ConnectPlus $4500 — full price in O'Brien County, Iowa (2026)
ConnectPlus $4500 (74980IA0020028), a silver plan from Avera Health Plans in O'Brien County, Iowa, costs $570.88/month full price for a 40-year-old in 2026 — $1212.34 at 60, with a $4,500 deductible and $10,600 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 74980IA0020028 · 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 | $446.71 |
| 27 | $468.14 |
| 30 | $507.00 |
| 40 | $570.88 |
| 50 | $797.80 |
| 60 | $1212.34 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $4,500
- Family deductible: $9,000
- Individual out-of-pocket max: $10,600
- Family out-of-pocket max: $21,200
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $570.88/mo. This plan is $570.88/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.
Not affiliated with the U.S. government. Informational only — see the full disclaimer in the footer.
Other silver plans in O'Brien County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| ConnectPlus Standard $6000 | Avera Health Plans | $558.96 |
| ConnectPlus MyWeighForward $6000 | Avera Health Plans | $574.76 |
| Wellmark Silver Traditional HMO | Wellmark Health Plan of Iowa, Inc. | $611.94 |
| Wellmark Standard Silver HMO | Wellmark Health Plan of Iowa, Inc. | $620.90 |
| ConnectPlus $0 Silver | Avera Health Plans | $629.64 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 74980IA0020028 in FIPS 19141.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in O'Brien County
Reviewed by Jason Burns, Editorial Steward.