Inspire by Medica Silver $0 Copay PCP Visits — full price in Grundy County, Iowa (2026)
Inspire by Medica Silver $0 Copay PCP Visits (93078IA0070047), a silver plan from Medica in Grundy County, Iowa, costs $652.32/month full price for a 40-year-old in 2026 — $1385.29 at 60, with a $3,500 deductible and $10,450 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 93078IA0070047 · 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 | $510.42 |
| 27 | $534.92 |
| 30 | $579.33 |
| 40 | $652.32 |
| 50 | $911.61 |
| 60 | $1385.29 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $3,500
- Family deductible: $7,000
- Individual out-of-pocket max: $10,450
- Family out-of-pocket max: $20,900
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $525.00/mo. This plan is $652.32/mo at 40 — a difference of $127.32/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 silver plans in Grundy County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Wellmark Silver Primary Care | UnityPoint Health | Wellmark Health Plan of Iowa, Inc. | $487.15 |
| Wellmark Silver Traditional HMO | Wellmark Health Plan of Iowa, Inc. | $525.00 |
| Wellmark Standard Silver HMO | Wellmark Health Plan of Iowa, Inc. | $532.69 |
| Silver Simple PCP Saver | Oscar Insurance Company | $559.24 |
| Silver Classic Standard | Oscar Insurance Company | $559.85 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 93078IA0070047 in FIPS 19075.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Grundy County
Reviewed by Jason Burns, Editorial Steward.