ConnectPlus $0 Gold — full price in Emmet County, Iowa (2026)
ConnectPlus $0 Gold (74980IA0020021), a gold plan from Avera Health Plans in Emmet County, Iowa, costs $620.59/month full price for a 40-year-old in 2026 — $1317.91 at 60, with a $0 deductible and $8,500 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 74980IA0020021 · 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 | $485.60 |
| 27 | $508.90 |
| 30 | $551.15 |
| 40 | $620.59 |
| 50 | $867.27 |
| 60 | $1317.91 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $0
- Family deductible: $0
- Individual out-of-pocket max: $8,500
- Family out-of-pocket max: $17,000
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $579.05/mo. This plan is $620.59/mo at 40 — a difference of $41.54/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 Emmet County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Wellmark Gold Traditional HMO | Wellmark Health Plan of Iowa, Inc. | $531.41 |
| Wellmark Standard Gold HMO | Wellmark Health Plan of Iowa, Inc. | $540.90 |
| ConnectPlus $1800 | Avera Health Plans | $588.96 |
| ConnectPlus Standard $2000 | Avera Health Plans | $598.69 |
| ConnectPlus MyWeighForward $2000 | Avera Health Plans | $615.77 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 74980IA0020021 in FIPS 19063.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Emmet County
Reviewed by Jason Burns, Editorial Steward.