Bronze Simple Breathe Easy with Enhanced COPD Benefits | MercyOne — full price in Polk County, Iowa (2026)
Bronze Simple Breathe Easy with Enhanced COPD Benefits | MercyOne (45819IA0010070), a expanded bronze plan from Oscar Insurance Company in Polk County, Iowa, costs $351.62/month full price for a 40-year-old in 2026 — $746.70 at 60, with a $5,500 deductible and $10,150 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 45819IA0010070 · 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 | $275.14 |
| 27 | $288.34 |
| 30 | $312.27 |
| 40 | $351.62 |
| 50 | $491.38 |
| 60 | $746.70 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $5,500
- Family deductible: $11,000
- Individual out-of-pocket max: $10,150
- Family out-of-pocket max: $20,300
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $459.01/mo. This plan is $351.62/mo at 40 — a difference of $-107.39/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 Polk County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Bronze Classic Standard | MercyOne | Oscar Insurance Company | $342.61 |
| Bronze Simple Diabetes | MercyOne | Oscar Insurance Company | $349.66 |
| Wellmark Bronze Standard | UnityPoint Health | Wellmark Health Plan of Iowa, Inc. | $349.77 |
| Wellmark Bronze Traditional HMO | Wellmark Health Plan of Iowa, Inc. | $350.73 |
| Bronze Classic 4700 | MercyOne | Oscar Insurance Company | $352.83 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 45819IA0010070 in FIPS 19153.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Polk County
Reviewed by Jason Burns, Editorial Steward.