Focused Silver — full price in Monona County, Iowa (2026)
Focused Silver (48286IA0010019), a silver plan from Ambetter Health in Monona County, Iowa, costs $505.43/month full price for a 40-year-old in 2026 — $1073.34 at 60, with a $6,300 deductible and $8,400 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 48286IA0010019 · Issuer: Ambetter Health · 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 | $395.49 |
| 27 | $414.47 |
| 30 | $448.87 |
| 40 | $505.43 |
| 50 | $706.34 |
| 60 | $1073.34 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $6,300
- Family deductible: $12,600
- Individual out-of-pocket max: $8,400
- Family out-of-pocket max: $16,800
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $505.43/mo. This plan is $505.43/mo at 40 — a difference of $0.00/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 Monona County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Standard Silver | Ambetter Health | $499.85 |
| Standard Silver + Vision + Adult Dental | Ambetter Health | $521.04 |
| Focused Silver + Vision + Adult Dental | Ambetter Health | $526.85 |
| Silver Simple PCP Saver | Oscar Insurance Company | $547.92 |
| Silver Classic Standard | Oscar Insurance Company | $548.51 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 48286IA0010019 in FIPS 19133.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Monona County
Reviewed by Jason Burns, Editorial Steward.