UHC Gold Standard (No Referrals)
Gold · HMO · UnitedHealthcare · Iowa
At age 40 it costs $588.01 a month before any subsidy.
What CMS publishes about it
| Plan ID | 56610IA0100007 |
|---|---|
| Insurer | UnitedHealthcare |
| 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 | Yes |
| 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 | 1-800-396-8535 |
Where it is sold, and what it costs there
17 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 |
|---|---|---|---|---|---|
| Adair County | $460.10 | $522.21 | $588.01 | $821.74 | $1,248.71 |
| Adams County | $460.10 | $522.21 | $588.01 | $821.74 | $1,248.71 |
| Audubon County | $460.10 | $522.21 | $588.01 | $821.74 | $1,248.71 |
| Cass County | $460.10 | $522.21 | $588.01 | $821.74 | $1,248.71 |
| Clarke County | $460.10 | $522.21 | $588.01 | $821.74 | $1,248.71 |
| Decatur County | $460.10 | $522.21 | $588.01 | $821.74 | $1,248.71 |
| Fremont County | $460.10 | $522.21 | $588.01 | $821.74 | $1,248.71 |
| Guthrie County | $460.10 | $522.21 | $588.01 | $821.74 | $1,248.71 |
| Harrison County | $460.10 | $522.21 | $588.01 | $821.74 | $1,248.71 |
| Mills County | $460.10 | $522.21 | $588.01 | $821.74 | $1,248.71 |
| Montgomery County | $460.10 | $522.21 | $588.01 | $821.74 | $1,248.71 |
| Page County | $460.10 | $522.21 | $588.01 | $821.74 | $1,248.71 |
| Pottawattamie County | $460.10 | $522.21 | $588.01 | $821.74 | $1,248.71 |
| Ringgold County | $460.10 | $522.21 | $588.01 | $821.74 | $1,248.71 |
| Shelby County | $460.10 | $522.21 | $588.01 | $821.74 | $1,248.71 |
| Taylor County | $460.10 | $522.21 | $588.01 | $821.74 | $1,248.71 |
| Union County | $460.10 | $522.21 | $588.01 | $821.74 | $1,248.71 |
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.