Standard Gold
Gold · HMO · Ambetter Health · Iowa
At age 40 it costs between $491.15 and $601.72 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 | 48286IA0010017 |
|---|---|
| Insurer | Ambetter Health |
| Metal level | Gold |
| Plan type | HMO |
| Standardised design | Design 1 — a plan CMS defined the benefits of, so it can be compared like for like |
| Deductible (individual) | $2,000 |
| Deductible (family) | $4,000 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $8,200 |
| Family maximum | $16,400 |
| Primary care visit | $30 |
| Specialist visit | $60 |
| Emergency room | 25% Coinsurance after deductible |
| Inpatient stay | 25% Coinsurance after deductible |
| Generic drugs | $15 |
| Preferred brand drugs | $30 |
| Specialty drugs | $250 |
| 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 | $384.32 | $436.19 | $491.15 | $686.38 | $1,043.01 |
| Hardin County | $384.32 | $436.19 | $491.15 | $686.38 | $1,043.01 |
| Tama County | $384.32 | $436.19 | $491.15 | $686.38 | $1,043.01 |
| Jasper County | $395.66 | $449.06 | $505.63 | $706.62 | $1,073.78 |
| Madison County | $395.66 | $449.06 | $505.63 | $706.62 | $1,073.78 |
| Marion County | $395.66 | $449.06 | $505.63 | $706.62 | $1,073.78 |
| Polk County | $395.66 | $449.06 | $505.63 | $706.62 | $1,073.78 |
| Warren County | $395.66 | $449.06 | $505.63 | $706.62 | $1,073.78 |
| Benton County | $406.99 | $461.92 | $520.12 | $726.87 | $1,104.55 |
| Buchanan County | $406.99 | $461.92 | $520.12 | $726.87 | $1,104.55 |
| Cedar County | $406.99 | $461.92 | $520.12 | $726.87 | $1,104.55 |
| Clinton County | $406.99 | $461.92 | $520.12 | $726.87 | $1,104.55 |
| Dubuque County | $406.99 | $461.92 | $520.12 | $726.87 | $1,104.55 |
| Jackson County | $406.99 | $461.92 | $520.12 | $726.87 | $1,104.55 |
| Linn County | $406.99 | $461.92 | $520.12 | $726.87 | $1,104.55 |
| Scott County | $406.99 | $461.92 | $520.12 | $726.87 | $1,104.55 |
| Cherokee County | $418.33 | $474.79 | $534.61 | $747.12 | $1,135.31 |
| Crawford County | $418.33 | $474.79 | $534.61 | $747.12 | $1,135.31 |
| Ida County | $418.33 | $474.79 | $534.61 | $747.12 | $1,135.31 |
| Monona County | $418.33 | $474.79 | $534.61 | $747.12 | $1,135.31 |
| Palo Alto County | $418.33 | $474.79 | $534.61 | $747.12 | $1,135.31 |
| Sioux County | $418.33 | $474.79 | $534.61 | $747.12 | $1,135.31 |
| Woodbury County | $418.33 | $474.79 | $534.61 | $747.12 | $1,135.31 |
| Appanoose County | $433.75 | $492.29 | $554.32 | $774.66 | $1,177.17 |
| Davis County | $433.75 | $492.29 | $554.32 | $774.66 | $1,177.17 |
| Henry County | $433.75 | $492.29 | $554.32 | $774.66 | $1,177.17 |
| Jefferson County | $433.75 | $492.29 | $554.32 | $774.66 | $1,177.17 |
| Keokuk County | $433.75 | $492.29 | $554.32 | $774.66 | $1,177.17 |
| Lee County | $433.75 | $492.29 | $554.32 | $774.66 | $1,177.17 |
| Louisa County | $433.75 | $492.29 | $554.32 | $774.66 | $1,177.17 |
| Mahaska County | $433.75 | $492.29 | $554.32 | $774.66 | $1,177.17 |
| Monroe County | $433.75 | $492.29 | $554.32 | $774.66 | $1,177.17 |
| Van Buren County | $433.75 | $492.29 | $554.32 | $774.66 | $1,177.17 |
| Washington County | $433.75 | $492.29 | $554.32 | $774.66 | $1,177.17 |
| Wayne County | $433.75 | $492.29 | $554.32 | $774.66 | $1,177.17 |
| Butler County | $450.25 | $511.03 | $575.41 | $804.13 | $1,221.96 |
| Cerro Gordo County | $450.25 | $511.03 | $575.41 | $804.13 | $1,221.96 |
| Chickasaw County | $450.25 | $511.03 | $575.41 | $804.13 | $1,221.96 |
| Fayette County | $450.25 | $511.03 | $575.41 | $804.13 | $1,221.96 |
| Floyd County | $450.25 | $511.03 | $575.41 | $804.13 | $1,221.96 |
| Franklin County | $450.25 | $511.03 | $575.41 | $804.13 | $1,221.96 |
| Hancock County | $450.25 | $511.03 | $575.41 | $804.13 | $1,221.96 |
| Kossuth County | $450.25 | $511.03 | $575.41 | $804.13 | $1,221.96 |
| Winnebago County | $450.25 | $511.03 | $575.41 | $804.13 | $1,221.96 |
| Worth County | $450.25 | $511.03 | $575.41 | $804.13 | $1,221.96 |
| Adair County | $470.84 | $534.39 | $601.72 | $840.91 | $1,277.84 |
| Audubon County | $470.84 | $534.39 | $601.72 | $840.91 | $1,277.84 |
| Cass County | $470.84 | $534.39 | $601.72 | $840.91 | $1,277.84 |
| Decatur County | $470.84 | $534.39 | $601.72 | $840.91 | $1,277.84 |
| Fremont County | $470.84 | $534.39 | $601.72 | $840.91 | $1,277.84 |
| Mills County | $470.84 | $534.39 | $601.72 | $840.91 | $1,277.84 |
| Montgomery County | $470.84 | $534.39 | $601.72 | $840.91 | $1,277.84 |
| Page County | $470.84 | $534.39 | $601.72 | $840.91 | $1,277.84 |
| Pottawattamie County | $470.84 | $534.39 | $601.72 | $840.91 | $1,277.84 |
| Ringgold County | $470.84 | $534.39 | $601.72 | $840.91 | $1,277.84 |
| Shelby County | $470.84 | $534.39 | $601.72 | $840.91 | $1,277.84 |
| Taylor County | $470.84 | $534.39 | $601.72 | $840.91 | $1,277.84 |
| Union County | $470.84 | $534.39 | $601.72 | $840.91 | $1,277.84 |
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.