Standard Gold + Vision + Adult Dental
Gold · HMO · Ambetter Health · Iowa
At age 40 it costs between $511.96 and $627.22 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 | 48286IA0020017 |
|---|---|
| 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 | Yes |
| Child dental included | No |
| Share of premium buying essential health benefits | 95.93% |
| 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 | $400.61 | $454.68 | $511.96 | $715.46 | $1,087.22 |
| Hardin County | $400.61 | $454.68 | $511.96 | $715.46 | $1,087.22 |
| Tama County | $400.61 | $454.68 | $511.96 | $715.46 | $1,087.22 |
| Jasper County | $412.42 | $468.09 | $527.06 | $736.57 | $1,119.29 |
| Madison County | $412.42 | $468.09 | $527.06 | $736.57 | $1,119.29 |
| Marion County | $412.42 | $468.09 | $527.06 | $736.57 | $1,119.29 |
| Polk County | $412.42 | $468.09 | $527.06 | $736.57 | $1,119.29 |
| Warren County | $412.42 | $468.09 | $527.06 | $736.57 | $1,119.29 |
| Benton County | $424.24 | $481.50 | $542.16 | $757.67 | $1,151.36 |
| Buchanan County | $424.24 | $481.50 | $542.16 | $757.67 | $1,151.36 |
| Cedar County | $424.24 | $481.50 | $542.16 | $757.67 | $1,151.36 |
| Clinton County | $424.24 | $481.50 | $542.16 | $757.67 | $1,151.36 |
| Dubuque County | $424.24 | $481.50 | $542.16 | $757.67 | $1,151.36 |
| Jackson County | $424.24 | $481.50 | $542.16 | $757.67 | $1,151.36 |
| Linn County | $424.24 | $481.50 | $542.16 | $757.67 | $1,151.36 |
| Scott County | $424.24 | $481.50 | $542.16 | $757.67 | $1,151.36 |
| Cherokee County | $436.06 | $494.91 | $557.27 | $778.78 | $1,183.43 |
| Crawford County | $436.06 | $494.91 | $557.27 | $778.78 | $1,183.43 |
| Ida County | $436.06 | $494.91 | $557.27 | $778.78 | $1,183.43 |
| Monona County | $436.06 | $494.91 | $557.27 | $778.78 | $1,183.43 |
| Palo Alto County | $436.06 | $494.91 | $557.27 | $778.78 | $1,183.43 |
| Sioux County | $436.06 | $494.91 | $557.27 | $778.78 | $1,183.43 |
| Woodbury County | $436.06 | $494.91 | $557.27 | $778.78 | $1,183.43 |
| Appanoose County | $452.13 | $513.16 | $577.81 | $807.49 | $1,227.05 |
| Davis County | $452.13 | $513.16 | $577.81 | $807.49 | $1,227.05 |
| Henry County | $452.13 | $513.16 | $577.81 | $807.49 | $1,227.05 |
| Jefferson County | $452.13 | $513.16 | $577.81 | $807.49 | $1,227.05 |
| Keokuk County | $452.13 | $513.16 | $577.81 | $807.49 | $1,227.05 |
| Lee County | $452.13 | $513.16 | $577.81 | $807.49 | $1,227.05 |
| Louisa County | $452.13 | $513.16 | $577.81 | $807.49 | $1,227.05 |
| Mahaska County | $452.13 | $513.16 | $577.81 | $807.49 | $1,227.05 |
| Monroe County | $452.13 | $513.16 | $577.81 | $807.49 | $1,227.05 |
| Van Buren County | $452.13 | $513.16 | $577.81 | $807.49 | $1,227.05 |
| Washington County | $452.13 | $513.16 | $577.81 | $807.49 | $1,227.05 |
| Wayne County | $452.13 | $513.16 | $577.81 | $807.49 | $1,227.05 |
| Butler County | $469.33 | $532.68 | $599.80 | $838.21 | $1,273.74 |
| Cerro Gordo County | $469.33 | $532.68 | $599.80 | $838.21 | $1,273.74 |
| Chickasaw County | $469.33 | $532.68 | $599.80 | $838.21 | $1,273.74 |
| Fayette County | $469.33 | $532.68 | $599.80 | $838.21 | $1,273.74 |
| Floyd County | $469.33 | $532.68 | $599.80 | $838.21 | $1,273.74 |
| Franklin County | $469.33 | $532.68 | $599.80 | $838.21 | $1,273.74 |
| Hancock County | $469.33 | $532.68 | $599.80 | $838.21 | $1,273.74 |
| Kossuth County | $469.33 | $532.68 | $599.80 | $838.21 | $1,273.74 |
| Winnebago County | $469.33 | $532.68 | $599.80 | $838.21 | $1,273.74 |
| Worth County | $469.33 | $532.68 | $599.80 | $838.21 | $1,273.74 |
| Adair County | $490.79 | $557.04 | $627.22 | $876.54 | $1,331.99 |
| Audubon County | $490.79 | $557.04 | $627.22 | $876.54 | $1,331.99 |
| Cass County | $490.79 | $557.04 | $627.22 | $876.54 | $1,331.99 |
| Decatur County | $490.79 | $557.04 | $627.22 | $876.54 | $1,331.99 |
| Fremont County | $490.79 | $557.04 | $627.22 | $876.54 | $1,331.99 |
| Mills County | $490.79 | $557.04 | $627.22 | $876.54 | $1,331.99 |
| Montgomery County | $490.79 | $557.04 | $627.22 | $876.54 | $1,331.99 |
| Page County | $490.79 | $557.04 | $627.22 | $876.54 | $1,331.99 |
| Pottawattamie County | $490.79 | $557.04 | $627.22 | $876.54 | $1,331.99 |
| Ringgold County | $490.79 | $557.04 | $627.22 | $876.54 | $1,331.99 |
| Shelby County | $490.79 | $557.04 | $627.22 | $876.54 | $1,331.99 |
| Taylor County | $490.79 | $557.04 | $627.22 | $876.54 | $1,331.99 |
| Union County | $490.79 | $557.04 | $627.22 | $876.54 | $1,331.99 |
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.