Standard Silver + Vision + Adult Dental
Silver · HMO · Ambetter Health · Iowa
At age 40 it costs between $478.68 and $586.45 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 | 48286IA0020023 |
|---|---|
| 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 | 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 | $374.56 | $425.12 | $478.68 | $668.95 | $1,016.53 |
| Hardin County | $374.56 | $425.12 | $478.68 | $668.95 | $1,016.53 |
| Tama County | $374.56 | $425.12 | $478.68 | $668.95 | $1,016.53 |
| Jasper County | $385.61 | $437.66 | $492.80 | $688.68 | $1,046.52 |
| Madison County | $385.61 | $437.66 | $492.80 | $688.68 | $1,046.52 |
| Marion County | $385.61 | $437.66 | $492.80 | $688.68 | $1,046.52 |
| Polk County | $385.61 | $437.66 | $492.80 | $688.68 | $1,046.52 |
| Warren County | $385.61 | $437.66 | $492.80 | $688.68 | $1,046.52 |
| Benton County | $396.66 | $450.20 | $506.92 | $708.41 | $1,076.50 |
| Buchanan County | $396.66 | $450.20 | $506.92 | $708.41 | $1,076.50 |
| Cedar County | $396.66 | $450.20 | $506.92 | $708.41 | $1,076.50 |
| Clinton County | $396.66 | $450.20 | $506.92 | $708.41 | $1,076.50 |
| Dubuque County | $396.66 | $450.20 | $506.92 | $708.41 | $1,076.50 |
| Jackson County | $396.66 | $450.20 | $506.92 | $708.41 | $1,076.50 |
| Linn County | $396.66 | $450.20 | $506.92 | $708.41 | $1,076.50 |
| Scott County | $396.66 | $450.20 | $506.92 | $708.41 | $1,076.50 |
| Cherokee County | $407.71 | $462.74 | $521.04 | $728.15 | $1,106.49 |
| Crawford County | $407.71 | $462.74 | $521.04 | $728.15 | $1,106.49 |
| Ida County | $407.71 | $462.74 | $521.04 | $728.15 | $1,106.49 |
| Monona County | $407.71 | $462.74 | $521.04 | $728.15 | $1,106.49 |
| Palo Alto County | $407.71 | $462.74 | $521.04 | $728.15 | $1,106.49 |
| Sioux County | $407.71 | $462.74 | $521.04 | $728.15 | $1,106.49 |
| Woodbury County | $407.71 | $462.74 | $521.04 | $728.15 | $1,106.49 |
| Appanoose County | $422.74 | $479.79 | $540.24 | $754.99 | $1,147.28 |
| Davis County | $422.74 | $479.79 | $540.24 | $754.99 | $1,147.28 |
| Henry County | $422.74 | $479.79 | $540.24 | $754.99 | $1,147.28 |
| Jefferson County | $422.74 | $479.79 | $540.24 | $754.99 | $1,147.28 |
| Keokuk County | $422.74 | $479.79 | $540.24 | $754.99 | $1,147.28 |
| Lee County | $422.74 | $479.79 | $540.24 | $754.99 | $1,147.28 |
| Louisa County | $422.74 | $479.79 | $540.24 | $754.99 | $1,147.28 |
| Mahaska County | $422.74 | $479.79 | $540.24 | $754.99 | $1,147.28 |
| Monroe County | $422.74 | $479.79 | $540.24 | $754.99 | $1,147.28 |
| Van Buren County | $422.74 | $479.79 | $540.24 | $754.99 | $1,147.28 |
| Washington County | $422.74 | $479.79 | $540.24 | $754.99 | $1,147.28 |
| Wayne County | $422.74 | $479.79 | $540.24 | $754.99 | $1,147.28 |
| Butler County | $438.82 | $498.05 | $560.80 | $783.72 | $1,190.93 |
| Cerro Gordo County | $438.82 | $498.05 | $560.80 | $783.72 | $1,190.93 |
| Chickasaw County | $438.82 | $498.05 | $560.80 | $783.72 | $1,190.93 |
| Fayette County | $438.82 | $498.05 | $560.80 | $783.72 | $1,190.93 |
| Floyd County | $438.82 | $498.05 | $560.80 | $783.72 | $1,190.93 |
| Franklin County | $438.82 | $498.05 | $560.80 | $783.72 | $1,190.93 |
| Hancock County | $438.82 | $498.05 | $560.80 | $783.72 | $1,190.93 |
| Kossuth County | $438.82 | $498.05 | $560.80 | $783.72 | $1,190.93 |
| Winnebago County | $438.82 | $498.05 | $560.80 | $783.72 | $1,190.93 |
| Worth County | $438.82 | $498.05 | $560.80 | $783.72 | $1,190.93 |
| Adair County | $458.89 | $520.83 | $586.45 | $819.56 | $1,245.39 |
| Audubon County | $458.89 | $520.83 | $586.45 | $819.56 | $1,245.39 |
| Cass County | $458.89 | $520.83 | $586.45 | $819.56 | $1,245.39 |
| Decatur County | $458.89 | $520.83 | $586.45 | $819.56 | $1,245.39 |
| Fremont County | $458.89 | $520.83 | $586.45 | $819.56 | $1,245.39 |
| Mills County | $458.89 | $520.83 | $586.45 | $819.56 | $1,245.39 |
| Montgomery County | $458.89 | $520.83 | $586.45 | $819.56 | $1,245.39 |
| Page County | $458.89 | $520.83 | $586.45 | $819.56 | $1,245.39 |
| Pottawattamie County | $458.89 | $520.83 | $586.45 | $819.56 | $1,245.39 |
| Ringgold County | $458.89 | $520.83 | $586.45 | $819.56 | $1,245.39 |
| Shelby County | $458.89 | $520.83 | $586.45 | $819.56 | $1,245.39 |
| Taylor County | $458.89 | $520.83 | $586.45 | $819.56 | $1,245.39 |
| Union County | $458.89 | $520.83 | $586.45 | $819.56 | $1,245.39 |
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.