Standard Silver
Silver · HMO · Ambetter Health · Iowa
At age 40 it costs between $459.22 and $562.60 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 | $6,000 | $8,900 | $40 | $20 |
| up to 150% of the federal poverty level | $0 | $2,200 | No Charge | No Charge |
| 150% to 200% | $700 | $3,300 | $20 | $10 |
| 200% to 250% | $3,000 | $7,400 | $40 | $20 |
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 | 48286IA0010020 |
|---|---|
| Insurer | Ambetter Health |
| Metal level | Silver |
| Plan type | HMO |
| Standardised design | Design 1 — a plan CMS defined the benefits of, so it can be compared like for like |
| Deductible (individual) | $6,000 |
| Deductible (family) | $12,000 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $8,900 |
| Family maximum | $17,800 |
| Primary care visit | $40 |
| Specialist visit | $80 |
| Emergency room | 40% Coinsurance after deductible |
| Inpatient stay | 40% Coinsurance after deductible |
| Generic drugs | $20 |
| Preferred brand drugs | $40 |
| Specialty drugs | $350 Copay 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 | $359.33 | $407.83 | $459.22 | $641.75 | $975.21 |
| Hardin County | $359.33 | $407.83 | $459.22 | $641.75 | $975.21 |
| Tama County | $359.33 | $407.83 | $459.22 | $641.75 | $975.21 |
| Jasper County | $369.93 | $419.86 | $472.76 | $660.68 | $1,003.97 |
| Madison County | $369.93 | $419.86 | $472.76 | $660.68 | $1,003.97 |
| Marion County | $369.93 | $419.86 | $472.76 | $660.68 | $1,003.97 |
| Polk County | $369.93 | $419.86 | $472.76 | $660.68 | $1,003.97 |
| Warren County | $369.93 | $419.86 | $472.76 | $660.68 | $1,003.97 |
| Benton County | $380.53 | $431.89 | $486.31 | $679.61 | $1,032.74 |
| Buchanan County | $380.53 | $431.89 | $486.31 | $679.61 | $1,032.74 |
| Cedar County | $380.53 | $431.89 | $486.31 | $679.61 | $1,032.74 |
| Clinton County | $380.53 | $431.89 | $486.31 | $679.61 | $1,032.74 |
| Dubuque County | $380.53 | $431.89 | $486.31 | $679.61 | $1,032.74 |
| Jackson County | $380.53 | $431.89 | $486.31 | $679.61 | $1,032.74 |
| Linn County | $380.53 | $431.89 | $486.31 | $679.61 | $1,032.74 |
| Scott County | $380.53 | $431.89 | $486.31 | $679.61 | $1,032.74 |
| Cherokee County | $391.13 | $443.92 | $499.85 | $698.54 | $1,061.50 |
| Crawford County | $391.13 | $443.92 | $499.85 | $698.54 | $1,061.50 |
| Ida County | $391.13 | $443.92 | $499.85 | $698.54 | $1,061.50 |
| Monona County | $391.13 | $443.92 | $499.85 | $698.54 | $1,061.50 |
| Palo Alto County | $391.13 | $443.92 | $499.85 | $698.54 | $1,061.50 |
| Sioux County | $391.13 | $443.92 | $499.85 | $698.54 | $1,061.50 |
| Woodbury County | $391.13 | $443.92 | $499.85 | $698.54 | $1,061.50 |
| Appanoose County | $405.55 | $460.29 | $518.28 | $724.29 | $1,100.64 |
| Davis County | $405.55 | $460.29 | $518.28 | $724.29 | $1,100.64 |
| Henry County | $405.55 | $460.29 | $518.28 | $724.29 | $1,100.64 |
| Jefferson County | $405.55 | $460.29 | $518.28 | $724.29 | $1,100.64 |
| Keokuk County | $405.55 | $460.29 | $518.28 | $724.29 | $1,100.64 |
| Lee County | $405.55 | $460.29 | $518.28 | $724.29 | $1,100.64 |
| Louisa County | $405.55 | $460.29 | $518.28 | $724.29 | $1,100.64 |
| Mahaska County | $405.55 | $460.29 | $518.28 | $724.29 | $1,100.64 |
| Monroe County | $405.55 | $460.29 | $518.28 | $724.29 | $1,100.64 |
| Van Buren County | $405.55 | $460.29 | $518.28 | $724.29 | $1,100.64 |
| Washington County | $405.55 | $460.29 | $518.28 | $724.29 | $1,100.64 |
| Wayne County | $405.55 | $460.29 | $518.28 | $724.29 | $1,100.64 |
| Butler County | $420.98 | $477.80 | $538 | $751.85 | $1,142.52 |
| Cerro Gordo County | $420.98 | $477.80 | $538 | $751.85 | $1,142.52 |
| Chickasaw County | $420.98 | $477.80 | $538 | $751.85 | $1,142.52 |
| Fayette County | $420.98 | $477.80 | $538 | $751.85 | $1,142.52 |
| Floyd County | $420.98 | $477.80 | $538 | $751.85 | $1,142.52 |
| Franklin County | $420.98 | $477.80 | $538 | $751.85 | $1,142.52 |
| Hancock County | $420.98 | $477.80 | $538 | $751.85 | $1,142.52 |
| Kossuth County | $420.98 | $477.80 | $538 | $751.85 | $1,142.52 |
| Winnebago County | $420.98 | $477.80 | $538 | $751.85 | $1,142.52 |
| Worth County | $420.98 | $477.80 | $538 | $751.85 | $1,142.52 |
| Adair County | $440.23 | $499.65 | $562.60 | $786.24 | $1,194.76 |
| Audubon County | $440.23 | $499.65 | $562.60 | $786.24 | $1,194.76 |
| Cass County | $440.23 | $499.65 | $562.60 | $786.24 | $1,194.76 |
| Decatur County | $440.23 | $499.65 | $562.60 | $786.24 | $1,194.76 |
| Fremont County | $440.23 | $499.65 | $562.60 | $786.24 | $1,194.76 |
| Mills County | $440.23 | $499.65 | $562.60 | $786.24 | $1,194.76 |
| Montgomery County | $440.23 | $499.65 | $562.60 | $786.24 | $1,194.76 |
| Page County | $440.23 | $499.65 | $562.60 | $786.24 | $1,194.76 |
| Pottawattamie County | $440.23 | $499.65 | $562.60 | $786.24 | $1,194.76 |
| Ringgold County | $440.23 | $499.65 | $562.60 | $786.24 | $1,194.76 |
| Shelby County | $440.23 | $499.65 | $562.60 | $786.24 | $1,194.76 |
| Taylor County | $440.23 | $499.65 | $562.60 | $786.24 | $1,194.76 |
| Union County | $440.23 | $499.65 | $562.60 | $786.24 | $1,194.76 |
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.