Focused Silver
Silver · HMO · Ambetter Health · Iowa
At age 40 it costs between $464.34 and $568.88 a month before any subsidy, depending on which county you live in — a marketplace plan is priced per rating area, not per state.
What this Silver plan costs if your income qualifies
Below certain incomes the marketplace improves a Silver plan's cost sharing automatically — you do not apply for it, and it happens on Silver and on no other metal level. The premium does not change; the deductible and what you pay at the doctor do.
| If your income is | Deductible | Most you could pay in a year | Primary care | Generic drugs |
|---|---|---|---|---|
| Above 250%, or not applied for | $6,300 | $8,400 | $40 | $3 |
| up to 150% of the federal poverty level | $0 | $1,500 | No Charge | No Charge |
| 150% to 200% | $0 | $3,350 | $20 | $3 |
| 200% to 250% | $5,150 | $7,200 | $35 | $3 |
CMS calls these cost-sharing reductions. The percentages are actuarial values, not discounts. HealthCare.gov works out which one you get from the income you report when you apply.
What CMS publishes about it
| Plan ID | 48286IA0010019 |
|---|---|
| Insurer | Ambetter Health |
| Metal level | Silver |
| Plan type | HMO |
| Deductible (individual) | $6,300 |
| Deductible (family) | $12,600 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $8,400 |
| Family maximum | $16,800 |
| Primary care visit | $40 |
| Specialist visit | $85 |
| Emergency room | 50% Coinsurance after deductible |
| Inpatient stay | 50% Coinsurance after deductible |
| Generic drugs | $3 |
| Preferred brand drugs | $75 |
| 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 | $363.34 | $412.38 | $464.34 | $648.91 | $986.08 |
| Hardin County | $363.34 | $412.38 | $464.34 | $648.91 | $986.08 |
| Tama County | $363.34 | $412.38 | $464.34 | $648.91 | $986.08 |
| Jasper County | $374.06 | $424.55 | $478.04 | $668.05 | $1,015.17 |
| Madison County | $374.06 | $424.55 | $478.04 | $668.05 | $1,015.17 |
| Marion County | $374.06 | $424.55 | $478.04 | $668.05 | $1,015.17 |
| Polk County | $374.06 | $424.55 | $478.04 | $668.05 | $1,015.17 |
| Warren County | $374.06 | $424.55 | $478.04 | $668.05 | $1,015.17 |
| Benton County | $384.78 | $436.71 | $491.73 | $687.19 | $1,044.26 |
| Buchanan County | $384.78 | $436.71 | $491.73 | $687.19 | $1,044.26 |
| Cedar County | $384.78 | $436.71 | $491.73 | $687.19 | $1,044.26 |
| Clinton County | $384.78 | $436.71 | $491.73 | $687.19 | $1,044.26 |
| Dubuque County | $384.78 | $436.71 | $491.73 | $687.19 | $1,044.26 |
| Jackson County | $384.78 | $436.71 | $491.73 | $687.19 | $1,044.26 |
| Linn County | $384.78 | $436.71 | $491.73 | $687.19 | $1,044.26 |
| Scott County | $384.78 | $436.71 | $491.73 | $687.19 | $1,044.26 |
| Cherokee County | $395.49 | $448.87 | $505.43 | $706.34 | $1,073.34 |
| Crawford County | $395.49 | $448.87 | $505.43 | $706.34 | $1,073.34 |
| Ida County | $395.49 | $448.87 | $505.43 | $706.34 | $1,073.34 |
| Monona County | $395.49 | $448.87 | $505.43 | $706.34 | $1,073.34 |
| Palo Alto County | $395.49 | $448.87 | $505.43 | $706.34 | $1,073.34 |
| Sioux County | $395.49 | $448.87 | $505.43 | $706.34 | $1,073.34 |
| Woodbury County | $395.49 | $448.87 | $505.43 | $706.34 | $1,073.34 |
| Appanoose County | $410.07 | $465.42 | $524.06 | $732.37 | $1,112.91 |
| Davis County | $410.07 | $465.42 | $524.06 | $732.37 | $1,112.91 |
| Henry County | $410.07 | $465.42 | $524.06 | $732.37 | $1,112.91 |
| Jefferson County | $410.07 | $465.42 | $524.06 | $732.37 | $1,112.91 |
| Keokuk County | $410.07 | $465.42 | $524.06 | $732.37 | $1,112.91 |
| Lee County | $410.07 | $465.42 | $524.06 | $732.37 | $1,112.91 |
| Louisa County | $410.07 | $465.42 | $524.06 | $732.37 | $1,112.91 |
| Mahaska County | $410.07 | $465.42 | $524.06 | $732.37 | $1,112.91 |
| Monroe County | $410.07 | $465.42 | $524.06 | $732.37 | $1,112.91 |
| Van Buren County | $410.07 | $465.42 | $524.06 | $732.37 | $1,112.91 |
| Washington County | $410.07 | $465.42 | $524.06 | $732.37 | $1,112.91 |
| Wayne County | $410.07 | $465.42 | $524.06 | $732.37 | $1,112.91 |
| Butler County | $425.68 | $483.13 | $544 | $760.24 | $1,155.26 |
| Cerro Gordo County | $425.68 | $483.13 | $544 | $760.24 | $1,155.26 |
| Chickasaw County | $425.68 | $483.13 | $544 | $760.24 | $1,155.26 |
| Fayette County | $425.68 | $483.13 | $544 | $760.24 | $1,155.26 |
| Floyd County | $425.68 | $483.13 | $544 | $760.24 | $1,155.26 |
| Franklin County | $425.68 | $483.13 | $544 | $760.24 | $1,155.26 |
| Hancock County | $425.68 | $483.13 | $544 | $760.24 | $1,155.26 |
| Kossuth County | $425.68 | $483.13 | $544 | $760.24 | $1,155.26 |
| Winnebago County | $425.68 | $483.13 | $544 | $760.24 | $1,155.26 |
| Worth County | $425.68 | $483.13 | $544 | $760.24 | $1,155.26 |
| Adair County | $445.14 | $505.22 | $568.88 | $795.01 | $1,208.09 |
| Audubon County | $445.14 | $505.22 | $568.88 | $795.01 | $1,208.09 |
| Cass County | $445.14 | $505.22 | $568.88 | $795.01 | $1,208.09 |
| Decatur County | $445.14 | $505.22 | $568.88 | $795.01 | $1,208.09 |
| Fremont County | $445.14 | $505.22 | $568.88 | $795.01 | $1,208.09 |
| Mills County | $445.14 | $505.22 | $568.88 | $795.01 | $1,208.09 |
| Montgomery County | $445.14 | $505.22 | $568.88 | $795.01 | $1,208.09 |
| Page County | $445.14 | $505.22 | $568.88 | $795.01 | $1,208.09 |
| Pottawattamie County | $445.14 | $505.22 | $568.88 | $795.01 | $1,208.09 |
| Ringgold County | $445.14 | $505.22 | $568.88 | $795.01 | $1,208.09 |
| Shelby County | $445.14 | $505.22 | $568.88 | $795.01 | $1,208.09 |
| Taylor County | $445.14 | $505.22 | $568.88 | $795.01 | $1,208.09 |
| Union County | $445.14 | $505.22 | $568.88 | $795.01 | $1,208.09 |
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.