Inspire by Medica Silver Standard
Silver · EPO · Medica · Iowa
At age 40 it costs between $577.15 and $824.64 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 | 93078IA0070057 |
|---|---|
| Insurer | Medica |
| Metal level | Silver |
| Plan type | EPO |
| 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 | 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 | $451.61 | $512.57 | $577.15 | $806.57 | $1,225.66 |
| Polk County | $451.61 | $512.57 | $577.15 | $806.57 | $1,225.66 |
| Warren County | $451.61 | $512.57 | $577.15 | $806.57 | $1,225.66 |
| Muscatine County | $505.74 | $574.02 | $646.34 | $903.26 | $1,372.58 |
| Boone County | $533.98 | $606.06 | $682.42 | $953.68 | $1,449.21 |
| Greene County | $533.98 | $606.06 | $682.42 | $953.68 | $1,449.21 |
| Grundy County | $533.98 | $606.06 | $682.42 | $953.68 | $1,449.21 |
| Marshall County | $533.98 | $606.06 | $682.42 | $953.68 | $1,449.21 |
| Tama County | $533.98 | $606.06 | $682.42 | $953.68 | $1,449.21 |
| Benton County | $535.02 | $607.24 | $683.75 | $955.54 | $1,452.03 |
| Black Hawk County | $535.02 | $607.24 | $683.75 | $955.54 | $1,452.03 |
| Buchanan County | $535.02 | $607.24 | $683.75 | $955.54 | $1,452.03 |
| Cedar County | $535.02 | $607.24 | $683.75 | $955.54 | $1,452.03 |
| Clayton County | $535.02 | $607.24 | $683.75 | $955.54 | $1,452.03 |
| Delaware County | $535.02 | $607.24 | $683.75 | $955.54 | $1,452.03 |
| Dubuque County | $535.02 | $607.24 | $683.75 | $955.54 | $1,452.03 |
| Iowa County | $535.02 | $607.24 | $683.75 | $955.54 | $1,452.03 |
| Jackson County | $535.02 | $607.24 | $683.75 | $955.54 | $1,452.03 |
| Jones County | $535.02 | $607.24 | $683.75 | $955.54 | $1,452.03 |
| Linn County | $535.02 | $607.24 | $683.75 | $955.54 | $1,452.03 |
| Scott County | $535.02 | $607.24 | $683.75 | $955.54 | $1,452.03 |
| Woodbury County | $559.25 | $634.75 | $714.73 | $998.83 | $1,517.81 |
| Bremer County | $645.26 | $732.37 | $824.64 | $1,152.43 | $1,751.23 |
| Butler County | $645.26 | $732.37 | $824.64 | $1,152.43 | $1,751.23 |
| Fayette County | $645.26 | $732.37 | $824.64 | $1,152.43 | $1,751.23 |
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.