Standard Silver — full price in Palo Alto County, Iowa (2026)
Standard Silver (48286IA0010020), a silver plan from Ambetter Health in Palo Alto County, Iowa, costs $499.85/month full price for a 40-year-old in 2026 — $1061.50 at 60, with a $6,000 deductible and $8,900 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 48286IA0010020 · 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 | $391.13 |
| 27 | $409.90 |
| 30 | $443.92 |
| 40 | $499.85 |
| 50 | $698.54 |
| 60 | $1061.50 |
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 $505.43/mo. This plan is $499.85/mo at 40 — a difference of $-5.58/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 Palo Alto County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Focused Silver | Ambetter Health | $505.43 |
| 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 48286IA0010020 in FIPS 19147.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Palo Alto County
Reviewed by Jason Burns, Editorial Steward.