Bronze Elite + PCP Saver Plus
Expanded Bronze · EPO · Oscar Insurance Company · Iowa
At age 40 it costs between $439.92 and $506.36 a month before any subsidy, depending on which county you live in — a marketplace plan is priced per rating area, not per state.
What CMS publishes about it
| Plan ID | 45819IA0010056 |
|---|---|
| Insurer | Oscar Insurance Company |
| Metal level | Expanded Bronze |
| Plan type | EPO |
| Deductible (individual) | $0 |
| Deductible (family) | $0 |
| Drug deductible | $7,000 |
| Most you could pay in a year | $10,600 |
| Family maximum | $21,200 |
| Primary care visit | $50 |
| Specialist visit | $125 |
| Emergency room | $2,500 |
| Inpatient stay | $3,000 Copay per Day |
| Generic drugs | $3 |
| Preferred brand drugs | $125 Copay after deductible |
| Specialty drugs | 50% Coinsurance after deductible |
| Adult dental included | No |
| Child dental included | No |
| Share of premium buying essential health benefits | 100.00% |
| Network directory | Who is in network |
| Summary of benefits | Summary of benefits and coverage |
| Drug list | Formulary |
| Customer service |
Where it is sold, and what it costs there
48 counties. The premium is the price before any tax credit; what you pay depends on your income.
| County | At 21 | At 30 | At 40 | At 50 | At 60 |
|---|---|---|---|---|---|
| Buena Vista County | $344.23 | $390.69 | $439.92 | $614.78 | $934.22 |
| Cherokee County | $344.23 | $390.69 | $439.92 | $614.78 | $934.22 |
| Ida County | $344.23 | $390.69 | $439.92 | $614.78 | $934.22 |
| Monona County | $344.23 | $390.69 | $439.92 | $614.78 | $934.22 |
| Palo Alto County | $344.23 | $390.69 | $439.92 | $614.78 | $934.22 |
| Sac County | $344.23 | $390.69 | $439.92 | $614.78 | $934.22 |
| Sioux County | $344.23 | $390.69 | $439.92 | $614.78 | $934.22 |
| Boone County | $351.35 | $398.77 | $449.01 | $627.49 | $953.54 |
| Calhoun County | $351.35 | $398.77 | $449.01 | $627.49 | $953.54 |
| Carroll County | $351.35 | $398.77 | $449.01 | $627.49 | $953.54 |
| Greene County | $351.35 | $398.77 | $449.01 | $627.49 | $953.54 |
| Grundy County | $351.35 | $398.77 | $449.01 | $627.49 | $953.54 |
| Marshall County | $351.35 | $398.77 | $449.01 | $627.49 | $953.54 |
| Poweshiek County | $351.35 | $398.77 | $449.01 | $627.49 | $953.54 |
| Benton County | $362.99 | $411.98 | $463.89 | $648.28 | $985.13 |
| Buchanan County | $362.99 | $411.98 | $463.89 | $648.28 | $985.13 |
| Cedar County | $362.99 | $411.98 | $463.89 | $648.28 | $985.13 |
| Clayton County | $362.99 | $411.98 | $463.89 | $648.28 | $985.13 |
| Delaware County | $362.99 | $411.98 | $463.89 | $648.28 | $985.13 |
| Iowa County | $362.99 | $411.98 | $463.89 | $648.28 | $985.13 |
| Jones County | $362.99 | $411.98 | $463.89 | $648.28 | $985.13 |
| Bremer County | $368.63 | $418.38 | $471.09 | $658.35 | $1,000.42 |
| Chickasaw County | $368.63 | $418.38 | $471.09 | $658.35 | $1,000.42 |
| Floyd County | $368.63 | $418.38 | $471.09 | $658.35 | $1,000.42 |
| Howard County | $368.63 | $418.38 | $471.09 | $658.35 | $1,000.42 |
| Humboldt County | $368.63 | $418.38 | $471.09 | $658.35 | $1,000.42 |
| Wright County | $368.63 | $418.38 | $471.09 | $658.35 | $1,000.42 |
| Adams County | $381.89 | $433.43 | $488.04 | $682.04 | $1,036.42 |
| Audubon County | $381.89 | $433.43 | $488.04 | $682.04 | $1,036.42 |
| Cass County | $381.89 | $433.43 | $488.04 | $682.04 | $1,036.42 |
| Clarke County | $381.89 | $433.43 | $488.04 | $682.04 | $1,036.42 |
| Decatur County | $381.89 | $433.43 | $488.04 | $682.04 | $1,036.42 |
| Guthrie County | $381.89 | $433.43 | $488.04 | $682.04 | $1,036.42 |
| Harrison County | $381.89 | $433.43 | $488.04 | $682.04 | $1,036.42 |
| Mills County | $381.89 | $433.43 | $488.04 | $682.04 | $1,036.42 |
| Montgomery County | $381.89 | $433.43 | $488.04 | $682.04 | $1,036.42 |
| Pottawattamie County | $381.89 | $433.43 | $488.04 | $682.04 | $1,036.42 |
| Ringgold County | $381.89 | $433.43 | $488.04 | $682.04 | $1,036.42 |
| Shelby County | $381.89 | $433.43 | $488.04 | $682.04 | $1,036.42 |
| Union County | $381.89 | $433.43 | $488.04 | $682.04 | $1,036.42 |
| Appanoose County | $396.22 | $449.70 | $506.36 | $707.63 | $1,075.32 |
| Jefferson County | $396.22 | $449.70 | $506.36 | $707.63 | $1,075.32 |
| Keokuk County | $396.22 | $449.70 | $506.36 | $707.63 | $1,075.32 |
| Lucas County | $396.22 | $449.70 | $506.36 | $707.63 | $1,075.32 |
| Mahaska County | $396.22 | $449.70 | $506.36 | $707.63 | $1,075.32 |
| Van Buren County | $396.22 | $449.70 | $506.36 | $707.63 | $1,075.32 |
| Wapello County | $396.22 | $449.70 | $506.36 | $707.63 | $1,075.32 |
| Wayne County | $396.22 | $449.70 | $506.36 | $707.63 | $1,075.32 |
Open enrollment for 2026 coverage runs 1 November 2025 to 15 January 2026 in most states. Outside that window you need a qualifying life event — losing other coverage, moving, marrying, having a child — to enrol.
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Premiums, deductibles, out-of-pocket maximums and cost sharing are reproduced from the HealthCare.gov Qualified Health Plan landscape file published by the Centers for Medicare & Medicaid Services for plan year 2026. Nothing on this page is calculated by us. This is not a complete list of your options and it is not advice: to see every plan and to enrol, use HealthCare.gov or call 1-800-318-2596.