Wellmark Standard Gold HMO — full price in Mitchell County, Iowa (2026)
Wellmark Standard Gold HMO (25896IA0370014), a gold plan from Wellmark Health Plan of Iowa, Inc. in Mitchell County, Iowa, costs $540.90/month full price for a 40-year-old in 2026 — $1148.67 at 60, with a $2,000 deductible and $8,200 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 25896IA0370014 · Issuer: Wellmark Health Plan of Iowa, Inc. · 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 | $423.24 |
| 27 | $443.55 |
| 30 | $480.38 |
| 40 | $540.90 |
| 50 | $755.90 |
| 60 | $1148.67 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $2,000
- Family deductible: $4,000
- Individual out-of-pocket max: $8,200
- Family out-of-pocket max: $16,400
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $484.81/mo. This plan is $540.90/mo at 40 — a difference of $56.09/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.
Not affiliated with the U.S. government. Informational only — see the full disclaimer in the footer.
Other gold plans in Mitchell County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Gold Classic Standard | MercyOne | Oscar Insurance Company | $465.56 |
| Gold Elite | MercyOne | Oscar Insurance Company | $494.18 |
| Wellmark Gold Traditional HMO | Wellmark Health Plan of Iowa, Inc. | $531.41 |
| Gold Classic Standard | Oscar Insurance Company | $556.02 |
| Medica Insure Gold $0 Copay PCP Visits | Medica | $1005.70 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 25896IA0370014 in FIPS 19131.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Mitchell County
Reviewed by Jason Burns, Editorial Steward.