Bronze Classic 4700
Starting at
$368
/month before subsidy
Bronze Classic 4700 is a 2026 Expanded_bronze EPO health insurance plan from Oscar Insurance Company, sold on the ACA Marketplace in Michigan under plan ID 77739MI0070024. The monthly premium starts at $368 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $4,700 ($9,400 for a family), and the individual out-of-pocket maximum is $9,100 ($18,200 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
- 77739MI0070024
- Plan year
- 2026
- State
- Michigan
- Metal level
- Expanded_bronze
- Plan type
- EPO
- HSA-eligible
- Yes
Individual Deductible
$4,700
Family: $9,400
Out-of-Pocket Max
$9,100
Family: $18,200
Coinsurance
50%
You pay after deductible
Network Type
EPO
MIN001
Medical Services
Prescription Drugs
Having a baby
Normal delivery
$7,700
your estimated cost
- Deductible
- $4,700
- Copays
- $200
- Coinsurance
- $2,800
Managing type 2 diabetes
A year of routine care
$4,900
your estimated cost
- Deductible
- $4,200
- Copays
- $700
- Coinsurance
- $0
A simple fracture
ER visit + follow-up
$2,700
your estimated cost
- Deductible
- $2,200
- Copays
- $500
- Coinsurance
- $0
Enter your ZIP code first to search nearby doctors.
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
$1,126/month
Annual Premium
$4,416
OOP Maximum
$9,100
💡 What this means:
With a $4,700 deductible, you pay 100% of costs until you've spent that much. After that, you pay 50% (coinsurance) until you hit $9,100 total. Then insurance covers everything else for the year.
More plans from Oscar Insurance Company in Michigan
Frequently asked questions about Bronze Classic 4700
How much does Bronze Classic 4700 cost per month?
Bronze Classic 4700 from Oscar Insurance Company starts at $368 per month before any subsidy in Michigan. 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 4700?
The individual medical deductible is $4,700, and the family deductible is $9,400. 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 Bronze Classic 4700?
The most you would pay in a year for covered in-network care is $9,100 for an individual and $18,200 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is Bronze Classic 4700 HSA-eligible?
Yes. Bronze Classic 4700 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 4700 use?
Bronze Classic 4700 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.