Inspire by Medica Gold $0 Copay PCP Visits — full price in Butler County, Iowa (2026)
Inspire by Medica Gold $0 Copay PCP Visits (93078IA0070045), a gold plan from Medica in Butler County, Iowa, costs $775.78/month full price for a 40-year-old in 2026 — $1647.47 at 60, with a $1,500 deductible and $8,800 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 93078IA0070045 · Issuer: Medica · Last verified 2026-07-18 · Published by Private Health Insurance Direct Answers · Licensed under Citation License 1.0
Full-price premium by age (2026)
| Age | Monthly premium |
|---|---|
| 21 | $607.03 |
| 27 | $636.16 |
| 30 | $688.97 |
| 40 | $775.78 |
| 50 | $1084.15 |
| 60 | $1647.47 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $1,500
- Family deductible: $3,000
- Individual out-of-pocket max: $8,800
- Family out-of-pocket max: $17,600
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $484.81/mo. This plan is $775.78/mo at 40 — a difference of $290.97/mo.
The subsidy cliff
In 2026 the enhanced ARP/IRA premium tax credits expire, so households above roughly 400% of the federal poverty level get zero subsidy and pay the full sticker prices listed above. Households under the cliff usually pay far less — how much less depends on income, household size, and county benchmark.
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Other gold plans in Butler County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Gold Classic Standard | MercyOne | Oscar Insurance Company | $465.56 |
| Wellmark Gold Primary Care | UnityPoint Health | Wellmark Health Plan of Iowa, Inc. | $477.64 |
| Gold Elite | MercyOne | Oscar Insurance Company | $494.18 |
| Wellmark Gold Traditional HMO | Wellmark Health Plan of Iowa, Inc. | $531.41 |
| Wellmark Standard Gold HMO | Wellmark Health Plan of Iowa, Inc. | $540.90 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 93078IA0070045 in FIPS 19023.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Butler County
Reviewed by Jason Burns, Editorial Steward.