Inspire by Medica Gold $0 Copay PCP Visits
Gold · EPO · Medica · Iowa
At age 40 it costs between $542.96 and $775.78 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 | 93078IA0070045 |
|---|---|
| Insurer | Medica |
| Metal level | Gold |
| Plan type | EPO |
| Deductible (individual) | $1,500 |
| Deductible (family) | $3,000 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $8,800 |
| Family maximum | $17,600 |
| Primary care visit | No Charge |
| Specialist visit | $75 |
| Emergency room | 30% Coinsurance after deductible |
| Inpatient stay | 30% Coinsurance after deductible |
| Generic drugs | $15 |
| Preferred brand drugs | $75 |
| 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
25 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 |
|---|---|---|---|---|---|
| Dallas County | $424.85 | $482.20 | $542.96 | $758.78 | $1,153.04 |
| Polk County | $424.85 | $482.20 | $542.96 | $758.78 | $1,153.04 |
| Warren County | $424.85 | $482.20 | $542.96 | $758.78 | $1,153.04 |
| Muscatine County | $475.78 | $540.01 | $608.04 | $849.74 | $1,291.26 |
| Boone County | $502.34 | $570.15 | $641.99 | $897.18 | $1,363.35 |
| Greene County | $502.34 | $570.15 | $641.99 | $897.18 | $1,363.35 |
| Grundy County | $502.34 | $570.15 | $641.99 | $897.18 | $1,363.35 |
| Marshall County | $502.34 | $570.15 | $641.99 | $897.18 | $1,363.35 |
| Tama County | $502.34 | $570.15 | $641.99 | $897.18 | $1,363.35 |
| Benton County | $503.32 | $571.26 | $643.24 | $898.92 | $1,366 |
| Black Hawk County | $503.32 | $571.26 | $643.24 | $898.92 | $1,366 |
| Buchanan County | $503.32 | $571.26 | $643.24 | $898.92 | $1,366 |
| Cedar County | $503.32 | $571.26 | $643.24 | $898.92 | $1,366 |
| Clayton County | $503.32 | $571.26 | $643.24 | $898.92 | $1,366 |
| Delaware County | $503.32 | $571.26 | $643.24 | $898.92 | $1,366 |
| Dubuque County | $503.32 | $571.26 | $643.24 | $898.92 | $1,366 |
| Iowa County | $503.32 | $571.26 | $643.24 | $898.92 | $1,366 |
| Jackson County | $503.32 | $571.26 | $643.24 | $898.92 | $1,366 |
| Jones County | $503.32 | $571.26 | $643.24 | $898.92 | $1,366 |
| Linn County | $503.32 | $571.26 | $643.24 | $898.92 | $1,366 |
| Scott County | $503.32 | $571.26 | $643.24 | $898.92 | $1,366 |
| Woodbury County | $526.12 | $597.14 | $672.38 | $939.65 | $1,427.88 |
| Bremer County | $607.03 | $688.97 | $775.78 | $1,084.15 | $1,647.47 |
| Butler County | $607.03 | $688.97 | $775.78 | $1,084.15 | $1,647.47 |
| Fayette County | $607.03 | $688.97 | $775.78 | $1,084.15 | $1,647.47 |
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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When this plan’s price or benefits change.
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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.