Standard Silver + Vision + Adult Dental — full price in Montgomery County, Iowa (2026)
Standard Silver + Vision + Adult Dental (48286IA0020023), a silver plan from Ambetter Health in Montgomery County, Iowa, costs $586.45/month full price for a 40-year-old in 2026 — $1245.39 at 60, with a $6,000 deductible and $8,900 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 48286IA0020023 · 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 | $458.89 |
| 27 | $480.90 |
| 30 | $520.83 |
| 40 | $586.45 |
| 50 | $819.56 |
| 60 | $1245.39 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $6,000
- Family deductible: $12,000
- Individual out-of-pocket max: $8,900
- Family out-of-pocket max: $17,800
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $568.88/mo. This plan is $586.45/mo at 40 — a difference of $17.57/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 Montgomery County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Standard Silver | Ambetter Health | $562.60 |
| Focused Silver | Ambetter Health | $568.88 |
| Focused Silver + Vision + Adult Dental | Ambetter Health | $592.99 |
| Silver Simple PCP Saver | Oscar Insurance Company | $607.85 |
| Silver Classic Standard | Oscar Insurance Company | $608.52 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 48286IA0020023 in FIPS 19137.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Montgomery County
Reviewed by Jason Burns, Editorial Steward.