Bronze Simple Breathe Easy with Enhanced COPD Benefits | MercyOne
Expanded Bronze · EPO · Oscar Insurance Company · Iowa
At age 40 it costs between $346.81 and $399.18 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 | 45819IA0010070 |
|---|---|
| Insurer | Oscar Insurance Company |
| Metal level | Expanded Bronze |
| Plan type | EPO |
| Deductible (individual) | $5,500 |
| Deductible (family) | $11,000 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $10,150 |
| Family maximum | $20,300 |
| Primary care visit | $50 |
| Specialist visit | $150 |
| Emergency room | 50% Coinsurance after deductible |
| Inpatient stay | 50% Coinsurance after deductible |
| Generic drugs | $3 |
| Preferred brand drugs | $75 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
27 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 |
|---|---|---|---|---|---|
| Plymouth County | $271.38 | $308 | $346.81 | $484.66 | $736.49 |
| Woodbury County | $271.38 | $308 | $346.81 | $484.66 | $736.49 |
| Dallas County | $275.14 | $312.27 | $351.62 | $491.38 | $746.70 |
| Jasper County | $275.14 | $312.27 | $351.62 | $491.38 | $746.70 |
| Madison County | $275.14 | $312.27 | $351.62 | $491.38 | $746.70 |
| Marion County | $275.14 | $312.27 | $351.62 | $491.38 | $746.70 |
| Polk County | $275.14 | $312.27 | $351.62 | $491.38 | $746.70 |
| Warren County | $275.14 | $312.27 | $351.62 | $491.38 | $746.70 |
| Hamilton County | $276.99 | $314.37 | $353.98 | $494.68 | $751.72 |
| Hardin County | $276.99 | $314.37 | $353.98 | $494.68 | $751.72 |
| Tama County | $276.99 | $314.37 | $353.98 | $494.68 | $751.72 |
| Black Hawk County | $286.16 | $324.78 | $365.70 | $511.07 | $776.62 |
| Clinton County | $286.16 | $324.78 | $365.70 | $511.07 | $776.62 |
| Dubuque County | $286.16 | $324.78 | $365.70 | $511.07 | $776.62 |
| Jackson County | $286.16 | $324.78 | $365.70 | $511.07 | $776.62 |
| Scott County | $286.16 | $324.78 | $365.70 | $511.07 | $776.62 |
| Butler County | $290.61 | $329.83 | $371.38 | $519.01 | $788.68 |
| Cerro Gordo County | $290.61 | $329.83 | $371.38 | $519.01 | $788.68 |
| Fayette County | $290.61 | $329.83 | $371.38 | $519.01 | $788.68 |
| Franklin County | $290.61 | $329.83 | $371.38 | $519.01 | $788.68 |
| Hancock County | $290.61 | $329.83 | $371.38 | $519.01 | $788.68 |
| Kossuth County | $290.61 | $329.83 | $371.38 | $519.01 | $788.68 |
| Mitchell County | $290.61 | $329.83 | $371.38 | $519.01 | $788.68 |
| Winnebago County | $290.61 | $329.83 | $371.38 | $519.01 | $788.68 |
| Worth County | $290.61 | $329.83 | $371.38 | $519.01 | $788.68 |
| Adair County | $301.06 | $341.69 | $384.74 | $537.68 | $817.05 |
| Monroe County | $312.36 | $354.52 | $399.18 | $557.86 | $847.72 |
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.