Inspire by Medica Expanded Bronze Standard — full price in Woodbury County, Iowa (2026)
Inspire by Medica Expanded Bronze Standard (93078IA0070073), a expanded bronze plan from Medica in Woodbury County, Iowa, costs $488.85/month full price for a 40-year-old in 2026 — $1038.14 at 60, with a $7,500 deductible and $10,000 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 93078IA0070073 · 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 | $382.51 |
| 27 | $400.87 |
| 30 | $434.15 |
| 40 | $488.85 |
| 50 | $683.17 |
| 60 | $1038.14 |
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 $452.73/mo. This plan is $488.85/mo at 40 — a difference of $36.12/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 Woodbury County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Bronze Classic Standard | MercyOne | Oscar Insurance Company | $337.92 |
| Bronze Simple Diabetes | MercyOne | Oscar Insurance Company | $344.88 |
| Bronze Simple Breathe Easy with Enhanced COPD Benefits | MercyOne | Oscar Insurance Company | $346.81 |
| Bronze Classic 4700 | MercyOne | Oscar Insurance Company | $348.00 |
| Bronze Simple Chronic Care CKM | MercyOne | Oscar Insurance Company | $352.97 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 93078IA0070073 in FIPS 19193.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Woodbury County
Reviewed by Jason Burns, Editorial Steward.