Everyday Gold + Vision + Adult Dental — full price in Shelby County, Iowa (2026)
Everyday Gold + Vision + Adult Dental (48286IA0020016), a gold plan from Ambetter Health in Shelby County, Iowa, costs $637.14/month full price for a 40-year-old in 2026 — $1353.04 at 60, with a $800 deductible and $7,250 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 48286IA0020016 · 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 | $498.55 |
| 27 | $522.47 |
| 30 | $565.84 |
| 40 | $637.14 |
| 50 | $890.39 |
| 60 | $1353.04 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $800
- Family deductible: $1,600
- Individual out-of-pocket max: $7,250
- Family out-of-pocket max: $14,500
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $568.88/mo. This plan is $637.14/mo at 40 — a difference of $68.26/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 Shelby County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Wellmark Gold Traditional HMO | Wellmark Health Plan of Iowa, Inc. | $560.15 |
| Wellmark Standard Gold HMO | Wellmark Health Plan of Iowa, Inc. | $570.15 |
| Gold Classic Standard | Oscar Insurance Company | $576.03 |
| UHC Gold Standard (No Referrals) | UnitedHealthcare | $588.01 |
| Standard Gold | Ambetter Health | $601.72 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 48286IA0020016 in FIPS 19165.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Shelby County
Reviewed by Jason Burns, Editorial Steward.