Everyday Gold
Gold · HMO · Ambetter Health · Iowa
At age 40 it costs between $498.91 and $611.23 a month before any subsidy, depending on which county you live in — a marketplace plan is priced per rating area, not per state.
What CMS publishes about it
| Plan ID | 48286IA0010016 |
|---|---|
| Insurer | Ambetter Health |
| Metal level | Gold |
| Plan type | HMO |
| Deductible (individual) | $800 |
| Deductible (family) | $1,600 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $7,250 |
| Family maximum | $14,500 |
| Primary care visit | $35 |
| Specialist visit | $55 |
| Emergency room | 35% Coinsurance after deductible |
| Inpatient stay | 35% Coinsurance after deductible |
| Generic drugs | $3 |
| Preferred brand drugs | $60 |
| Specialty drugs | 50% Coinsurance after deductible |
| Adult dental included | No |
| Child dental included | No |
| Share of premium buying essential health benefits | 100.00% |
| Network directory | Who is in network |
| Summary of benefits | Summary of benefits and coverage |
| Drug list | Formulary |
| Customer service | 1-833-919-3213 · TTY 1-833-919-3213 |
Where it is sold, and what it costs there
58 counties. The premium is the price before any tax credit; what you pay depends on your income.
| County | At 21 | At 30 | At 40 | At 50 | At 60 |
|---|---|---|---|---|---|
| Boone County | $390.39 | $443.08 | $498.91 | $697.22 | $1,059.50 |
| Hardin County | $390.39 | $443.08 | $498.91 | $697.22 | $1,059.50 |
| Tama County | $390.39 | $443.08 | $498.91 | $697.22 | $1,059.50 |
| Jasper County | $401.91 | $456.15 | $513.63 | $717.79 | $1,090.75 |
| Madison County | $401.91 | $456.15 | $513.63 | $717.79 | $1,090.75 |
| Marion County | $401.91 | $456.15 | $513.63 | $717.79 | $1,090.75 |
| Polk County | $401.91 | $456.15 | $513.63 | $717.79 | $1,090.75 |
| Warren County | $401.91 | $456.15 | $513.63 | $717.79 | $1,090.75 |
| Benton County | $413.42 | $469.22 | $528.34 | $738.36 | $1,122 |
| Buchanan County | $413.42 | $469.22 | $528.34 | $738.36 | $1,122 |
| Cedar County | $413.42 | $469.22 | $528.34 | $738.36 | $1,122 |
| Clinton County | $413.42 | $469.22 | $528.34 | $738.36 | $1,122 |
| Dubuque County | $413.42 | $469.22 | $528.34 | $738.36 | $1,122 |
| Jackson County | $413.42 | $469.22 | $528.34 | $738.36 | $1,122 |
| Linn County | $413.42 | $469.22 | $528.34 | $738.36 | $1,122 |
| Scott County | $413.42 | $469.22 | $528.34 | $738.36 | $1,122 |
| Cherokee County | $424.94 | $482.29 | $543.06 | $758.92 | $1,153.26 |
| Crawford County | $424.94 | $482.29 | $543.06 | $758.92 | $1,153.26 |
| Ida County | $424.94 | $482.29 | $543.06 | $758.92 | $1,153.26 |
| Monona County | $424.94 | $482.29 | $543.06 | $758.92 | $1,153.26 |
| Palo Alto County | $424.94 | $482.29 | $543.06 | $758.92 | $1,153.26 |
| Sioux County | $424.94 | $482.29 | $543.06 | $758.92 | $1,153.26 |
| Woodbury County | $424.94 | $482.29 | $543.06 | $758.92 | $1,153.26 |
| Appanoose County | $440.60 | $500.07 | $563.08 | $786.90 | $1,195.77 |
| Davis County | $440.60 | $500.07 | $563.08 | $786.90 | $1,195.77 |
| Henry County | $440.60 | $500.07 | $563.08 | $786.90 | $1,195.77 |
| Jefferson County | $440.60 | $500.07 | $563.08 | $786.90 | $1,195.77 |
| Keokuk County | $440.60 | $500.07 | $563.08 | $786.90 | $1,195.77 |
| Lee County | $440.60 | $500.07 | $563.08 | $786.90 | $1,195.77 |
| Louisa County | $440.60 | $500.07 | $563.08 | $786.90 | $1,195.77 |
| Mahaska County | $440.60 | $500.07 | $563.08 | $786.90 | $1,195.77 |
| Monroe County | $440.60 | $500.07 | $563.08 | $786.90 | $1,195.77 |
| Van Buren County | $440.60 | $500.07 | $563.08 | $786.90 | $1,195.77 |
| Washington County | $440.60 | $500.07 | $563.08 | $786.90 | $1,195.77 |
| Wayne County | $440.60 | $500.07 | $563.08 | $786.90 | $1,195.77 |
| Butler County | $457.37 | $519.10 | $584.50 | $816.84 | $1,241.27 |
| Cerro Gordo County | $457.37 | $519.10 | $584.50 | $816.84 | $1,241.27 |
| Chickasaw County | $457.37 | $519.10 | $584.50 | $816.84 | $1,241.27 |
| Fayette County | $457.37 | $519.10 | $584.50 | $816.84 | $1,241.27 |
| Floyd County | $457.37 | $519.10 | $584.50 | $816.84 | $1,241.27 |
| Franklin County | $457.37 | $519.10 | $584.50 | $816.84 | $1,241.27 |
| Hancock County | $457.37 | $519.10 | $584.50 | $816.84 | $1,241.27 |
| Kossuth County | $457.37 | $519.10 | $584.50 | $816.84 | $1,241.27 |
| Winnebago County | $457.37 | $519.10 | $584.50 | $816.84 | $1,241.27 |
| Worth County | $457.37 | $519.10 | $584.50 | $816.84 | $1,241.27 |
| Adair County | $478.28 | $542.84 | $611.23 | $854.19 | $1,298.03 |
| Audubon County | $478.28 | $542.84 | $611.23 | $854.19 | $1,298.03 |
| Cass County | $478.28 | $542.84 | $611.23 | $854.19 | $1,298.03 |
| Decatur County | $478.28 | $542.84 | $611.23 | $854.19 | $1,298.03 |
| Fremont County | $478.28 | $542.84 | $611.23 | $854.19 | $1,298.03 |
| Mills County | $478.28 | $542.84 | $611.23 | $854.19 | $1,298.03 |
| Montgomery County | $478.28 | $542.84 | $611.23 | $854.19 | $1,298.03 |
| Page County | $478.28 | $542.84 | $611.23 | $854.19 | $1,298.03 |
| Pottawattamie County | $478.28 | $542.84 | $611.23 | $854.19 | $1,298.03 |
| Ringgold County | $478.28 | $542.84 | $611.23 | $854.19 | $1,298.03 |
| Shelby County | $478.28 | $542.84 | $611.23 | $854.19 | $1,298.03 |
| Taylor County | $478.28 | $542.84 | $611.23 | $854.19 | $1,298.03 |
| Union County | $478.28 | $542.84 | $611.23 | $854.19 | $1,298.03 |
Open enrollment for 2026 coverage runs 1 November 2025 to 15 January 2026 in most states. Outside that window you need a qualifying life event — losing other coverage, moving, marrying, having a child — to enrol.
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Premiums, deductibles, out-of-pocket maximums and cost sharing are reproduced from the HealthCare.gov Qualified Health Plan landscape file published by the Centers for Medicare & Medicaid Services for plan year 2026. Nothing on this page is calculated by us. This is not a complete list of your options and it is not advice: to see every plan and to enrol, use HealthCare.gov or call 1-800-318-2596.