Complete Gold + Vision + Adult Dental — full price in Palo Alto County, Iowa (2026)
Complete Gold + Vision + Adult Dental (48286IA0020015), a gold plan from Ambetter Health in Palo Alto County, Iowa, costs $586.51/month full price for a 40-year-old in 2026 — $1245.54 at 60, with a $1,450 deductible and $7,500 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 48286IA0020015 · 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 | $458.94 |
| 27 | $480.96 |
| 30 | $520.89 |
| 40 | $586.51 |
| 50 | $819.65 |
| 60 | $1245.54 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $1,450
- Family deductible: $2,900
- Individual out-of-pocket max: $7,500
- Family out-of-pocket max: $15,000
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $505.43/mo. This plan is $586.51/mo at 40 — a difference of $81.08/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 Palo Alto County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Gold Classic Standard | Oscar Insurance Company | $519.23 |
| Standard Gold | Ambetter Health | $534.61 |
| Everyday Gold | Ambetter Health | $543.06 |
| Standard Gold + Vision + Adult Dental | Ambetter Health | $557.27 |
| Wellmark Gold Traditional HMO | Wellmark Health Plan of Iowa, Inc. | $560.15 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 48286IA0020015 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.