Bronze Classic Standard | MercyOne — full price in Black Hawk County, Iowa (2026)
Bronze Classic Standard | MercyOne (45819IA0010050), a expanded bronze plan from Oscar Insurance Company in Black Hawk County, Iowa, costs $356.34/month full price for a 40-year-old in 2026 — $756.73 at 60, with a $7,500 deductible and $10,000 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 45819IA0010050 · Issuer: Oscar Insurance Company · Last verified 2026-07-18 · Published by Private Health Insurance Direct Answers · Licensed under Citation License 1.0
Full-price premium by age (2026)
| Age | Monthly premium |
|---|---|
| 21 | $278.83 |
| 27 | $292.21 |
| 30 | $316.47 |
| 40 | $356.34 |
| 50 | $497.98 |
| 60 | $756.73 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $7,500
- Family deductible: $15,000
- Individual out-of-pocket max: $10,000
- Family out-of-pocket max: $20,000
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $477.40/mo. This plan is $356.34/mo at 40 — a difference of $-121.06/mo.
The subsidy cliff
In 2026 the enhanced ARP/IRA premium tax credits expire, so households above roughly 400% of the federal poverty level get zero subsidy and pay the full sticker prices listed above. Households under the cliff usually pay far less — how much less depends on income, household size, and county benchmark.
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Other expanded bronze plans in Black Hawk County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Wellmark Bronze Standard | UnityPoint Health | Wellmark Health Plan of Iowa, Inc. | $352.14 |
| Wellmark Bronze Traditional HMO | Wellmark Health Plan of Iowa, Inc. | $353.12 |
| Wellmark Bronze HDHP HMO HSA Qualified | Wellmark Health Plan of Iowa, Inc. | $360.51 |
| Bronze Simple Diabetes | MercyOne | Oscar Insurance Company | $363.67 |
| Bronze Simple Breathe Easy with Enhanced COPD Benefits | MercyOne | Oscar Insurance Company | $365.70 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 45819IA0010050 in FIPS 19013.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Black Hawk County
Reviewed by Jason Burns, Editorial Steward.