ConnectPlus $1800 — full price in Clay County, Iowa (2026)
ConnectPlus $1800 (74980IA0020022), a gold plan from Avera Health Plans in Clay County, Iowa, costs $580.65/month full price for a 40-year-old in 2026 — $1233.10 at 60, with a $1,800 deductible and $9,000 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 74980IA0020022 · Issuer: Avera Health Plans · 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 | $454.35 |
| 27 | $476.15 |
| 30 | $515.68 |
| 40 | $580.65 |
| 50 | $811.46 |
| 60 | $1233.10 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $1,800
- Family deductible: $3,600
- Individual out-of-pocket max: $9,000
- Family out-of-pocket max: $18,000
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $570.88/mo. This plan is $580.65/mo at 40 — a difference of $9.77/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 Clay County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Wellmark Gold Traditional HMO | Wellmark Health Plan of Iowa, Inc. | $560.15 |
| Wellmark Standard Gold HMO | Wellmark Health Plan of Iowa, Inc. | $570.15 |
| ConnectPlus Standard $2000 | Avera Health Plans | $590.25 |
| ConnectPlus MyWeighForward $2000 | Avera Health Plans | $607.08 |
| ConnectPlus $0 Gold | Avera Health Plans | $611.84 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 74980IA0020022 in FIPS 19041.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Clay County
Reviewed by Jason Burns, Editorial Steward.