Medica Insure Silver $0 Copay PCP Visits
Silver · EPO · Medica · Iowa
At age 40 it costs between $715.20 and $1,021.89 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 | $3,500 | $10,450 | No Charge | $25 |
| up to 150% of the federal poverty level | $0 | $2,050 | No Charge | $10 |
| 150% to 200% | $850 | $3,350 | No Charge | $10 |
| 200% to 250% | $2,400 | $8,450 | No Charge | $25 |
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 | 93078IA0060047 |
|---|---|
| Insurer | Medica |
| Metal level | Silver |
| Plan type | EPO |
| Deductible (individual) | $3,500 |
| Deductible (family) | $7,000 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $10,450 |
| Family maximum | $20,900 |
| Primary care visit | No Charge |
| Specialist visit | $80 |
| Emergency room | 40% Coinsurance after deductible |
| Inpatient stay | 40% Coinsurance after deductible |
| Generic drugs | $25 |
| Preferred brand drugs | $125 |
| Specialty drugs | 60% 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 | 1-888-592-8211 · TTY 1-888-516-4692 |
Where it is sold, and what it costs there
68 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 |
|---|---|---|---|---|---|
| Jasper County | $559.63 | $635.18 | $715.20 | $999.50 | $1,518.83 |
| Madison County | $559.63 | $635.18 | $715.20 | $999.50 | $1,518.83 |
| Marion County | $559.63 | $635.18 | $715.20 | $999.50 | $1,518.83 |
| Appanoose County | $626.71 | $711.32 | $800.94 | $1,119.31 | $1,700.89 |
| Davis County | $626.71 | $711.32 | $800.94 | $1,119.31 | $1,700.89 |
| Des Moines County | $626.71 | $711.32 | $800.94 | $1,119.31 | $1,700.89 |
| Henry County | $626.71 | $711.32 | $800.94 | $1,119.31 | $1,700.89 |
| Jefferson County | $626.71 | $711.32 | $800.94 | $1,119.31 | $1,700.89 |
| Keokuk County | $626.71 | $711.32 | $800.94 | $1,119.31 | $1,700.89 |
| Lee County | $626.71 | $711.32 | $800.94 | $1,119.31 | $1,700.89 |
| Louisa County | $626.71 | $711.32 | $800.94 | $1,119.31 | $1,700.89 |
| Lucas County | $626.71 | $711.32 | $800.94 | $1,119.31 | $1,700.89 |
| Mahaska County | $626.71 | $711.32 | $800.94 | $1,119.31 | $1,700.89 |
| Monroe County | $626.71 | $711.32 | $800.94 | $1,119.31 | $1,700.89 |
| Van Buren County | $626.71 | $711.32 | $800.94 | $1,119.31 | $1,700.89 |
| Wapello County | $626.71 | $711.32 | $800.94 | $1,119.31 | $1,700.89 |
| Washington County | $626.71 | $711.32 | $800.94 | $1,119.31 | $1,700.89 |
| Wayne County | $626.71 | $711.32 | $800.94 | $1,119.31 | $1,700.89 |
| Calhoun County | $661.70 | $751.03 | $845.65 | $1,181.80 | $1,795.85 |
| Carroll County | $661.70 | $751.03 | $845.65 | $1,181.80 | $1,795.85 |
| Hamilton County | $661.70 | $751.03 | $845.65 | $1,181.80 | $1,795.85 |
| Hardin County | $661.70 | $751.03 | $845.65 | $1,181.80 | $1,795.85 |
| Poweshiek County | $661.70 | $751.03 | $845.65 | $1,181.80 | $1,795.85 |
| Story County | $661.70 | $751.03 | $845.65 | $1,181.80 | $1,795.85 |
| Webster County | $661.70 | $751.03 | $845.65 | $1,181.80 | $1,795.85 |
| Clinton County | $662.99 | $752.49 | $847.30 | $1,184.09 | $1,799.35 |
| Johnson County | $662.99 | $752.49 | $847.30 | $1,184.09 | $1,799.35 |
| Adair County | $670.45 | $760.96 | $856.83 | $1,197.42 | $1,819.59 |
| Adams County | $670.45 | $760.96 | $856.83 | $1,197.42 | $1,819.59 |
| Audubon County | $670.45 | $760.96 | $856.83 | $1,197.42 | $1,819.59 |
| Clarke County | $670.45 | $760.96 | $856.83 | $1,197.42 | $1,819.59 |
| Decatur County | $670.45 | $760.96 | $856.83 | $1,197.42 | $1,819.59 |
| Fremont County | $670.45 | $760.96 | $856.83 | $1,197.42 | $1,819.59 |
| Guthrie County | $670.45 | $760.96 | $856.83 | $1,197.42 | $1,819.59 |
| Page County | $670.45 | $760.96 | $856.83 | $1,197.42 | $1,819.59 |
| Ringgold County | $670.45 | $760.96 | $856.83 | $1,197.42 | $1,819.59 |
| Taylor County | $670.45 | $760.96 | $856.83 | $1,197.42 | $1,819.59 |
| Union County | $670.45 | $760.96 | $856.83 | $1,197.42 | $1,819.59 |
| Buena Vista County | $693.02 | $786.58 | $885.68 | $1,237.74 | $1,880.86 |
| Cherokee County | $693.02 | $786.58 | $885.68 | $1,237.74 | $1,880.86 |
| Clay County | $693.02 | $786.58 | $885.68 | $1,237.74 | $1,880.86 |
| Crawford County | $693.02 | $786.58 | $885.68 | $1,237.74 | $1,880.86 |
| Dickinson County | $693.02 | $786.58 | $885.68 | $1,237.74 | $1,880.86 |
| Ida County | $693.02 | $786.58 | $885.68 | $1,237.74 | $1,880.86 |
| Lyon County | $693.02 | $786.58 | $885.68 | $1,237.74 | $1,880.86 |
| Monona County | $693.02 | $786.58 | $885.68 | $1,237.74 | $1,880.86 |
| O'Brien County | $693.02 | $786.58 | $885.68 | $1,237.74 | $1,880.86 |
| Osceola County | $693.02 | $786.58 | $885.68 | $1,237.74 | $1,880.86 |
| Palo Alto County | $693.02 | $786.58 | $885.68 | $1,237.74 | $1,880.86 |
| Plymouth County | $693.02 | $786.58 | $885.68 | $1,237.74 | $1,880.86 |
| Pocahontas County | $693.02 | $786.58 | $885.68 | $1,237.74 | $1,880.86 |
| Sac County | $693.02 | $786.58 | $885.68 | $1,237.74 | $1,880.86 |
| Sioux County | $693.02 | $786.58 | $885.68 | $1,237.74 | $1,880.86 |
| Allamakee County | $799.60 | $907.54 | $1,021.89 | $1,428.08 | $2,170.11 |
| Cerro Gordo County | $799.60 | $907.54 | $1,021.89 | $1,428.08 | $2,170.11 |
| Chickasaw County | $799.60 | $907.54 | $1,021.89 | $1,428.08 | $2,170.11 |
| Emmet County | $799.60 | $907.54 | $1,021.89 | $1,428.08 | $2,170.11 |
| Floyd County | $799.60 | $907.54 | $1,021.89 | $1,428.08 | $2,170.11 |
| Franklin County | $799.60 | $907.54 | $1,021.89 | $1,428.08 | $2,170.11 |
| Hancock County | $799.60 | $907.54 | $1,021.89 | $1,428.08 | $2,170.11 |
| Howard County | $799.60 | $907.54 | $1,021.89 | $1,428.08 | $2,170.11 |
| Humboldt County | $799.60 | $907.54 | $1,021.89 | $1,428.08 | $2,170.11 |
| Kossuth County | $799.60 | $907.54 | $1,021.89 | $1,428.08 | $2,170.11 |
| Mitchell County | $799.60 | $907.54 | $1,021.89 | $1,428.08 | $2,170.11 |
| Winnebago County | $799.60 | $907.54 | $1,021.89 | $1,428.08 | $2,170.11 |
| Winneshiek County | $799.60 | $907.54 | $1,021.89 | $1,428.08 | $2,170.11 |
| Worth County | $799.60 | $907.54 | $1,021.89 | $1,428.08 | $2,170.11 |
| Wright County | $799.60 | $907.54 | $1,021.89 | $1,428.08 | $2,170.11 |
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.