CommunityCare Bronze IH223
Starting at
$493
/month before subsidy
CommunityCare Bronze IH223 is a 2026 Expanded_bronze HMO health insurance plan from CommunityCare, sold on the ACA Marketplace in Oklahoma under plan ID 98905OK0130045. The monthly premium starts at $493 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $5,000 ($14,100 for a family), and the individual out-of-pocket maximum is $7,500 ($15,000 for a family). After the deductible, coinsurance is 60% for covered in-network care. The plan is HSA-eligible, so it can be paired with a Health Savings Account.
- Plan ID
- 98905OK0130045
- Plan year
- 2026
- State
- Oklahoma
- Metal level
- Expanded_bronze
- Plan type
- HMO
- HSA-eligible
- Yes
Individual Deductible
$5,000
Family: $14,100
Out-of-Pocket Max
$7,500
Family: $15,000
Coinsurance
60%
You pay after deductible
Network Type
HMO
OKN001
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
$7,580
your estimated cost
- Deductible
- $5,000
- Copays
- $0
- Coinsurance
- $2,500
Managing type 2 diabetes
A year of routine care
$5,060
your estimated cost
- Deductible
- $5,000
- Copays
- $0
- Coinsurance
- $40
A simple fracture
ER visit + follow-up
$2,800
your estimated cost
- Deductible
- $2,800
- Copays
- $0
- 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
$1,118/month
Annual Premium
$5,916
OOP Maximum
$7,500
💡 What this means:
With a $5,000 deductible, you pay 100% of costs until you've spent that much. After that, you pay 60% (coinsurance) until you hit $7,500 total. Then insurance covers everything else for the year.
More plans from CommunityCare in Oklahoma
- CommunityCare Catastrophicfrom $299/mo
- CommunityCare Bronze IH224from $495/mo
- CommunityCare Expanded Bronze Standardizedfrom $485/mo
- Saint Francis Expanded Bronze Standardizedfrom $464/mo
- Ascension St. John Empower Silverfrom $574/mo
- Ascension St. John Empower Silver Standardizedfrom $596/mo
- CommunityCare Silver L21from $637/mo
- CommunityCare Silver SLIH223from $636/mo
Frequently asked questions about CommunityCare Bronze IH223
How much does CommunityCare Bronze IH223 cost per month?
CommunityCare Bronze IH223 from CommunityCare starts at $493 per month before any subsidy in Oklahoma. 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 CommunityCare Bronze IH223?
The individual medical deductible is $5,000, and the family deductible is $14,100. 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 CommunityCare Bronze IH223?
The most you would pay in a year for covered in-network care is $7,500 for an individual and $15,000 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is CommunityCare Bronze IH223 HSA-eligible?
Yes. CommunityCare Bronze IH223 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 CommunityCare Bronze IH223 use?
CommunityCare Bronze IH223 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.