Wellmark Bronze Traditional HMO
Starting at
$351
/month before subsidy
Wellmark Bronze Traditional HMO is a 2026 Expanded_bronze HMO health insurance plan from Wellmark Health Plan of Iowa, Inc., sold on the ACA Marketplace in Iowa under plan ID 25896IA0370005. The monthly premium starts at $351 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $7,200 ($14,400 for a family), and the individual out-of-pocket maximum is $9,900 ($19,800 for a family). After the deductible, coinsurance is 50% for covered in-network care. The plan is HSA-eligible, so it can be paired with a Health Savings Account.
- Plan ID
- 25896IA0370005
- Plan year
- 2026
- State
- Iowa
- Metal level
- Expanded_bronze
- Plan type
- HMO
- HSA-eligible
- Yes
Individual Deductible
$7,200
Family: $14,400
Out-of-Pocket Max
$9,900
Family: $19,800
Coinsurance
50%
You pay after deductible
Network Type
HMO
IAN001
Medical Services
Prescription Drugs
- Medical care
- Member experience
- Plan administration
How well doctors manage and coordinate care
Member-survey satisfaction with the plan
Customer service, billing, and access to information
Having a baby
Normal delivery
$7,870
your estimated cost
- Deductible
- $7,200
- Copays
- $10
- Coinsurance
- $600
Managing type 2 diabetes
A year of routine care
$5,020
your estimated cost
- Deductible
- $4,300
- Copays
- $700
- Coinsurance
- $0
A simple fracture
ER visit + follow-up
$2,800
your estimated cost
- Deductible
- $2,600
- Copays
- $200
- Coinsurance
- $0
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Review the plan details above to determine if this plan fits your healthcare needs and budget.
This summary is generated based on plan attributes for educational purposes only.
If you max out this year
$1,176/month
Annual Premium
$4,212
OOP Maximum
$9,900
💡 What this means:
With a $7,200 deductible, you pay 100% of costs until you've spent that much. After that, you pay 50% (coinsurance) until you hit $9,900 total. Then insurance covers everything else for the year.
More plans from Wellmark Health Plan of Iowa, Inc. in Iowa
- Wellmark Bronze HDHP HMO HSA Qualifiedfrom $358/mo
- Wellmark Bronze Standard | UnityPoint Healthfrom $350/mo
- Wellmark Standard Bronze HMOfrom $376/mo
- Wellmark Silver Primary Care | UnityPoint Healthfrom $487/mo
- Wellmark Silver Traditional HMOfrom $525/mo
- Wellmark Standard Silver HMOfrom $533/mo
- Wellmark Gold Primary Care | UnityPoint Healthfrom $432/mo
- Wellmark Gold Traditional HMOfrom $481/mo
Frequently asked questions about Wellmark Bronze Traditional HMO
How much does Wellmark Bronze Traditional HMO cost per month?
Wellmark Bronze Traditional HMO from Wellmark Health Plan of Iowa, Inc. starts at $351 per month before any subsidy in Iowa. Most Marketplace enrollees qualify for a premium tax credit that lowers what they actually pay — estimate your subsidy to see your net premium.
What is the deductible for Wellmark Bronze Traditional HMO?
The individual medical deductible is $7,200, and the family deductible is $14,400. You pay for covered care out of pocket until you meet the deductible, after which the plan shares costs with you.
What is the out-of-pocket maximum for Wellmark Bronze Traditional HMO?
The most you would pay in a year for covered in-network care is $9,900 for an individual and $19,800 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is Wellmark Bronze Traditional HMO HSA-eligible?
Yes. Wellmark Bronze Traditional HMO is a qualified high-deductible health plan, so you can pair it with a Health Savings Account (HSA) and pay for eligible medical expenses with pre-tax dollars.
What type of network does Wellmark Bronze Traditional HMO use?
Wellmark Bronze Traditional HMO is a HMO plan. HMO plans generally require you to use in-network providers and to get a referral to see a specialist, in exchange for lower costs.
Understand what you'd actually pay
- 2026 Federal Poverty Level (FPL) chart
The income table behind subsidy and Medicaid eligibility
- How ACA subsidies work
Premium tax credits and who qualifies
- The 2026 subsidy cliff
Why income near 400% FPL matters again this year
Important Notice
Plan details and costs shown are estimates for educational purposes only. Actual costs, coverage, and availability may vary. Always verify plan details and enroll through official channels at HealthCare.gov or your state marketplace.