Bronze Classic, Bronze, ST, INN, Circle, Dep29, Wellness Rewards
Starting at
$817
/month before subsidy
Bronze Classic, Bronze, ST, INN, Circle, Dep29, Wellness Rewards is a 2026 Expanded_bronze EPO health insurance plan from Issuer 74289, sold on the ACA Marketplace in New York under plan ID 74289NY2770011. The monthly premium starts at $817 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $4,125 ($4,125 for a family), and the individual out-of-pocket maximum is $10,150 ($10,150 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
- 74289NY2770011
- Plan year
- 2026
- State
- New York
- Metal level
- Expanded_bronze
- Plan type
- EPO
- HSA-eligible
- Yes
Individual Deductible
$4,125
Family: $4,125
Out-of-Pocket Max
$10,150
Family: $10,150
Coinsurance
50%
You pay after deductible
Network Type
EPO
NYN001
Medical Services
Prescription Drugs
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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
$1,663/month
Annual Premium
$9,804
OOP Maximum
$10,150
💡 What this means:
With a $4,125 deductible, you pay 100% of costs until you've spent that much. After that, you pay 50% (coinsurance) until you hit $10,150 total. Then insurance covers everything else for the year.
More plans from Issuer 74289 in New York
- Bronze Classic, Bronze, Child-Only, ST, INN, Circle, Wellness Rewards
- Bronze Classic, Bronze, ST, INN, Circle, Dep25, Wellness Rewardsfrom $813/mo
- Silver Classic, Silver, Child-Only, ST, INN, Circle, Wellness Rewards
- Silver Classic, Silver, ST, INN, Circle, Dep25, Wellness Rewardsfrom $1067/mo
- Silver Classic, Silver, ST, INN, Circle, Dep29, Wellness Rewardsfrom $1073/mo
- Silver Simple PCP Saver, Silver, NS, INN, Circle, Dep25, Wellness Rewardsfrom $1037/mo
- Silver Simple PCP Saver, Silver, NS, INN, Circle, Dep29, Wellness Rewardsfrom $1043/mo
- Gold Classic, Gold, Child-Only ST, INN, Circle, Wellness Rewards
Frequently asked questions about Bronze Classic, Bronze, ST, INN, Circle, Dep29, Wellness Rewards
How much does Bronze Classic, Bronze, ST, INN, Circle, Dep29, Wellness Rewards cost per month?
Bronze Classic, Bronze, ST, INN, Circle, Dep29, Wellness Rewards from Issuer 74289 starts at $817 per month before any subsidy in New York. 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 Bronze Classic, Bronze, ST, INN, Circle, Dep29, Wellness Rewards?
The individual medical deductible is $4,125, and the family deductible is $4,125. 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 Bronze Classic, Bronze, ST, INN, Circle, Dep29, Wellness Rewards?
The most you would pay in a year for covered in-network care is $10,150 for an individual and $10,150 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is Bronze Classic, Bronze, ST, INN, Circle, Dep29, Wellness Rewards HSA-eligible?
Yes. Bronze Classic, Bronze, ST, INN, Circle, Dep29, Wellness Rewards 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 Bronze Classic, Bronze, ST, INN, Circle, Dep29, Wellness Rewards use?
Bronze Classic, Bronze, ST, INN, Circle, Dep29, Wellness Rewards is a EPO plan. EPO plans cover in-network care only (except emergencies) and usually do not require referrals to see specialists.
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.