UHC Bronze Value+ ($0 Virtual Urgent Care, Dental + Vision, No Referrals)
Starting at
$497
/month before subsidy
UHC Bronze Value+ ($0 Virtual Urgent Care, Dental + Vision, No Referrals) is a 2026 Expanded_bronze HMO health insurance plan from UnitedHealthcare, sold on the ACA Marketplace in Iowa under plan ID 56610IA0110001. The monthly premium starts at $497 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $8,000 ($16,000 for a family), and the individual out-of-pocket maximum is $10,600 ($21,200 for a family). After the deductible, coinsurance is 40% for covered in-network care. The plan is HSA-eligible, so it can be paired with a Health Savings Account.
- Plan ID
- 56610IA0110001
- Plan year
- 2026
- State
- Iowa
- Metal level
- Expanded_bronze
- Plan type
- HMO
- HSA-eligible
- Yes
Individual Deductible
$8,000
Family: $16,000
Out-of-Pocket Max
$10,600
Family: $21,200
Coinsurance
40%
You pay after deductible
Network Type
HMO
IAN011
Medical Services
Prescription Drugs
Having a baby
Normal delivery
$9,060
your estimated cost
- Deductible
- $8,000
- Copays
- $200
- Coinsurance
- $800
Managing type 2 diabetes
A year of routine care
$700
your estimated cost
- Deductible
- $500
- Copays
- $200
- Coinsurance
- $0
A simple fracture
ER visit + follow-up
$2,670
your estimated cost
- Deductible
- $2,600
- Copays
- $70
- 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
$1,380/month
Annual Premium
$5,964
OOP Maximum
$10,600
💡 What this means:
With a $8,000 deductible, you pay 100% of costs until you've spent that much. After that, you pay 40% (coinsurance) until you hit $10,600 total. Then insurance covers everything else for the year.
More plans from UnitedHealthcare in Iowa
- UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals)from $501/mo
- UHC Bronze Standard (No Referrals)from $482/mo
- UHC Bronze Value ($0 Virtual Urgent Care, No Referrals)from $480/mo
- UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals)from $623/mo
- UHC Silver Standard (No Referrals)from $616/mo
- UHC Silver Value ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals)from $615/mo
- UHC Silver Value+ ($0 Virtual Urgent Care, $3 Tier 2 Rx, Dental + Vision, No Referrals)from $632/mo
- UHC Gold Advantage ($0 Virtual Urgent Care, $1 Tier 2 Rx, No Referrals)from $610/mo
Frequently asked questions about UHC Bronze Value+ ($0 Virtual Urgent Care, Dental + Vision, No Referrals)
How much does UHC Bronze Value+ ($0 Virtual Urgent Care, Dental + Vision, No Referrals) cost per month?
UHC Bronze Value+ ($0 Virtual Urgent Care, Dental + Vision, No Referrals) from UnitedHealthcare starts at $497 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 UHC Bronze Value+ ($0 Virtual Urgent Care, Dental + Vision, No Referrals)?
The individual medical deductible is $8,000, and the family deductible is $16,000. 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 UHC Bronze Value+ ($0 Virtual Urgent Care, Dental + Vision, No Referrals)?
The most you would pay in a year for covered in-network care is $10,600 for an individual and $21,200 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is UHC Bronze Value+ ($0 Virtual Urgent Care, Dental + Vision, No Referrals) HSA-eligible?
Yes. UHC Bronze Value+ ($0 Virtual Urgent Care, Dental + Vision, No Referrals) 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 UHC Bronze Value+ ($0 Virtual Urgent Care, Dental + Vision, No Referrals) use?
UHC Bronze Value+ ($0 Virtual Urgent Care, Dental + Vision, No Referrals) 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.