Bronze Classic Standard
Expanded Bronze · EPO · Oscar Insurance Company · Iowa
At age 40 it costs between $401.22 and $461.82 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 | 45819IA0010065 |
|---|---|
| Insurer | Oscar Insurance Company |
| Metal level | Expanded Bronze |
| Plan type | EPO |
| Standardised design | Design 1 — a plan CMS defined the benefits of, so it can be compared like for like |
| Deductible (individual) | $7,500 |
| Deductible (family) | $15,000 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $10,000 |
| Family maximum | $20,000 |
| Primary care visit | $50 |
| Specialist visit | $100 |
| Emergency room | 50% Coinsurance after deductible |
| Inpatient stay | 50% Coinsurance after deductible |
| Generic drugs | $25 |
| Preferred brand drugs | $50 Copay after deductible |
| Specialty drugs | $500 Copay 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
75 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 | $313.96 | $356.33 | $401.22 | $560.71 | $852.05 |
| Cherokee County | $313.96 | $356.33 | $401.22 | $560.71 | $852.05 |
| Ida County | $313.96 | $356.33 | $401.22 | $560.71 | $852.05 |
| Monona County | $313.96 | $356.33 | $401.22 | $560.71 | $852.05 |
| Palo Alto County | $313.96 | $356.33 | $401.22 | $560.71 | $852.05 |
| Plymouth County | $313.96 | $356.33 | $401.22 | $560.71 | $852.05 |
| Sac County | $313.96 | $356.33 | $401.22 | $560.71 | $852.05 |
| Sioux County | $313.96 | $356.33 | $401.22 | $560.71 | $852.05 |
| Woodbury County | $313.96 | $356.33 | $401.22 | $560.71 | $852.05 |
| Dallas County | $318.31 | $361.27 | $406.79 | $568.49 | $863.87 |
| Jasper County | $318.31 | $361.27 | $406.79 | $568.49 | $863.87 |
| Madison County | $318.31 | $361.27 | $406.79 | $568.49 | $863.87 |
| Marion County | $318.31 | $361.27 | $406.79 | $568.49 | $863.87 |
| Polk County | $318.31 | $361.27 | $406.79 | $568.49 | $863.87 |
| Warren County | $318.31 | $361.27 | $406.79 | $568.49 | $863.87 |
| Boone County | $320.45 | $363.70 | $409.52 | $572.30 | $869.67 |
| Calhoun County | $320.45 | $363.70 | $409.52 | $572.30 | $869.67 |
| Carroll County | $320.45 | $363.70 | $409.52 | $572.30 | $869.67 |
| Greene County | $320.45 | $363.70 | $409.52 | $572.30 | $869.67 |
| Grundy County | $320.45 | $363.70 | $409.52 | $572.30 | $869.67 |
| Hamilton County | $320.45 | $363.70 | $409.52 | $572.30 | $869.67 |
| Hardin County | $320.45 | $363.70 | $409.52 | $572.30 | $869.67 |
| Marshall County | $320.45 | $363.70 | $409.52 | $572.30 | $869.67 |
| Poweshiek County | $320.45 | $363.70 | $409.52 | $572.30 | $869.67 |
| Tama County | $320.45 | $363.70 | $409.52 | $572.30 | $869.67 |
| Benton County | $331.07 | $375.75 | $423.09 | $591.27 | $898.49 |
| Black Hawk County | $331.07 | $375.75 | $423.09 | $591.27 | $898.49 |
| Buchanan County | $331.07 | $375.75 | $423.09 | $591.27 | $898.49 |
| Cedar County | $331.07 | $375.75 | $423.09 | $591.27 | $898.49 |
| Clayton County | $331.07 | $375.75 | $423.09 | $591.27 | $898.49 |
| Clinton County | $331.07 | $375.75 | $423.09 | $591.27 | $898.49 |
| Delaware County | $331.07 | $375.75 | $423.09 | $591.27 | $898.49 |
| Dubuque County | $331.07 | $375.75 | $423.09 | $591.27 | $898.49 |
| Iowa County | $331.07 | $375.75 | $423.09 | $591.27 | $898.49 |
| Jackson County | $331.07 | $375.75 | $423.09 | $591.27 | $898.49 |
| Jones County | $331.07 | $375.75 | $423.09 | $591.27 | $898.49 |
| Scott County | $331.07 | $375.75 | $423.09 | $591.27 | $898.49 |
| Bremer County | $336.21 | $381.58 | $429.66 | $600.44 | $912.43 |
| Butler County | $336.21 | $381.58 | $429.66 | $600.44 | $912.43 |
| Cerro Gordo County | $336.21 | $381.58 | $429.66 | $600.44 | $912.43 |
| Chickasaw County | $336.21 | $381.58 | $429.66 | $600.44 | $912.43 |
| Fayette County | $336.21 | $381.58 | $429.66 | $600.44 | $912.43 |
| Floyd County | $336.21 | $381.58 | $429.66 | $600.44 | $912.43 |
| Franklin County | $336.21 | $381.58 | $429.66 | $600.44 | $912.43 |
| Hancock County | $336.21 | $381.58 | $429.66 | $600.44 | $912.43 |
| Howard County | $336.21 | $381.58 | $429.66 | $600.44 | $912.43 |
| Humboldt County | $336.21 | $381.58 | $429.66 | $600.44 | $912.43 |
| Kossuth County | $336.21 | $381.58 | $429.66 | $600.44 | $912.43 |
| Mitchell County | $336.21 | $381.58 | $429.66 | $600.44 | $912.43 |
| Winnebago County | $336.21 | $381.58 | $429.66 | $600.44 | $912.43 |
| Worth County | $336.21 | $381.58 | $429.66 | $600.44 | $912.43 |
| Wright County | $336.21 | $381.58 | $429.66 | $600.44 | $912.43 |
| Adair County | $348.30 | $395.31 | $445.12 | $622.05 | $945.26 |
| Adams County | $348.30 | $395.31 | $445.12 | $622.05 | $945.26 |
| Audubon County | $348.30 | $395.31 | $445.12 | $622.05 | $945.26 |
| Cass County | $348.30 | $395.31 | $445.12 | $622.05 | $945.26 |
| Clarke County | $348.30 | $395.31 | $445.12 | $622.05 | $945.26 |
| Decatur County | $348.30 | $395.31 | $445.12 | $622.05 | $945.26 |
| Guthrie County | $348.30 | $395.31 | $445.12 | $622.05 | $945.26 |
| Harrison County | $348.30 | $395.31 | $445.12 | $622.05 | $945.26 |
| Mills County | $348.30 | $395.31 | $445.12 | $622.05 | $945.26 |
| Montgomery County | $348.30 | $395.31 | $445.12 | $622.05 | $945.26 |
| Pottawattamie County | $348.30 | $395.31 | $445.12 | $622.05 | $945.26 |
| Ringgold County | $348.30 | $395.31 | $445.12 | $622.05 | $945.26 |
| Shelby County | $348.30 | $395.31 | $445.12 | $622.05 | $945.26 |
| Union County | $348.30 | $395.31 | $445.12 | $622.05 | $945.26 |
| Appanoose County | $361.37 | $410.15 | $461.82 | $645.39 | $980.74 |
| Jefferson County | $361.37 | $410.15 | $461.82 | $645.39 | $980.74 |
| Keokuk County | $361.37 | $410.15 | $461.82 | $645.39 | $980.74 |
| Lucas County | $361.37 | $410.15 | $461.82 | $645.39 | $980.74 |
| Mahaska County | $361.37 | $410.15 | $461.82 | $645.39 | $980.74 |
| Monroe County | $361.37 | $410.15 | $461.82 | $645.39 | $980.74 |
| Van Buren County | $361.37 | $410.15 | $461.82 | $645.39 | $980.74 |
| Wapello County | $361.37 | $410.15 | $461.82 | $645.39 | $980.74 |
| Wayne County | $361.37 | $410.15 | $461.82 | $645.39 | $980.74 |
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.