Inspire by Medica Silver Standard — full price in Warren County, Iowa (2026)
Inspire by Medica Silver Standard (93078IA0070057), a silver plan from Medica in Warren County, Iowa, costs $577.15/month full price for a 40-year-old in 2026 — $1225.66 at 60, with a $6,000 deductible and $8,900 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 93078IA0070057 · Issuer: Medica · 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 | $451.61 |
| 27 | $473.28 |
| 30 | $512.57 |
| 40 | $577.15 |
| 50 | $806.57 |
| 60 | $1225.66 |
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 $459.01/mo. This plan is $577.15/mo at 40 — a difference of $118.14/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 Warren County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Silver Classic Standard | MercyOne | Oscar Insurance Company | $457.83 |
| Silver Simple PCP Saver | MercyOne | Oscar Insurance Company | $459.01 |
| Silver Simple Breathe Easy with Enhanced COPD Benefits | MercyOne | Oscar Insurance Company | $460.20 |
| Silver Classic | MercyOne | Oscar Insurance Company | $463.75 |
| Silver Simple Diabetes | MercyOne | Oscar Insurance Company | $466.96 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 93078IA0070057 in FIPS 19181.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Warren County
Reviewed by Jason Burns, Editorial Steward.