Inspire by Medica Bronze $0 Copay PCP Visits — full price in Buchanan County, Iowa (2026)
Inspire by Medica Bronze $0 Copay PCP Visits (93078IA0070074), a expanded bronze plan from Medica in Buchanan County, Iowa, costs $462.08/month full price for a 40-year-old in 2026 — $981.28 at 60, with a $7,500 deductible and $10,600 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 93078IA0070074 · Issuer: Medica · 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 | $361.56 |
| 27 | $378.92 |
| 30 | $410.37 |
| 40 | $462.08 |
| 50 | $645.75 |
| 60 | $981.28 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $7,500
- Family deductible: $15,000
- Individual out-of-pocket max: $10,600
- Family out-of-pocket max: $21,200
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $490.46/mo. This plan is $462.08/mo at 40 — a difference of $-28.38/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 Buchanan 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 |
| Wellmark Standard Bronze HMO | Wellmark Health Plan of Iowa, Inc. | $378.48 |
| Everyday Bronze | Ambetter Health | $381.76 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 93078IA0070074 in FIPS 19019.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Buchanan County
Reviewed by Jason Burns, Editorial Steward.