Streamlined Silver
Starting at
$471
/month before subsidy
Streamlined Silver is a 2027 Silver HMO health insurance plan from Ambetter Health, sold on the ACA Marketplace in Iowa under plan ID 48286IA0010025. The monthly premium starts at $471 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $4,700 ($9,400 for a family), and the individual out-of-pocket maximum is $11,300 ($22,600 for a family). After the deductible, coinsurance is 30% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 48286IA0010025
- Plan year
- 2027
- State
- Iowa
- Metal level
- Silver
- Plan type
- HMO
- HSA-eligible
- No
Individual Deductible
$4,700
Family: $9,400
Out-of-Pocket Max
$11,300
Family: $22,600
Coinsurance
30%
You pay after deductible
Network Type
HMO
IAN001
Medical Services
Prescription Drugs
Having a baby
Normal delivery
$6,560
your estimated cost
- Deductible
- $4,700
- Copays
- $600
- Coinsurance
- $1,200
Managing type 2 diabetes
A year of routine care
$4,420
your estimated cost
- Deductible
- $3,900
- Copays
- $500
- Coinsurance
- $0
A simple fracture
ER visit + follow-up
$2,700
your estimated cost
- Deductible
- $2,500
- Copays
- $200
- Coinsurance
- $0
Enter your ZIP code first to search nearby doctors.
This Silver HMO plan offers a balanced approach between monthly premiums and out-of-pocket costs, making it a popular choice for many families.
Consider this plan if you:
- Visit the doctor a few times per year
- Take regular prescription medications
- Want moderate protection against high medical bills
- May qualify for Cost-Sharing Reductions (CSR) to lower deductibles
This summary is generated based on plan attributes for educational purposes only.
If you max out this year
$1,413/month
Annual Premium
$5,652
OOP Maximum
$11,300
💡 What this means:
With a $4,700 deductible, you pay 100% of costs until you've spent that much. After that, you pay 30% (coinsurance) until you hit $11,300 total. Then insurance covers everything else for the year.
More plans from Ambetter Health in Iowa
- Elite Bronzefrom $466/mo
- Elite Bronze + Vision + Adult Dentalfrom $481/mo
- Everyday Bronzefrom $419/mo
- Everyday Bronze + Vision + Adult Dentalfrom $433/mo
- Signature Expanded Bronzefrom $413/mo
- Signature Expanded Bronze + Vision + Adult Dentalfrom $426/mo
- Focused Silverfrom $489/mo
- Focused Silver + Vision + Adult Dentalfrom $505/mo
Frequently asked questions about Streamlined Silver
How much does Streamlined Silver cost per month?
Streamlined Silver from Ambetter Health starts at $471 per month before any subsidy in Iowa. Most Marketplace enrollees qualify for a premium tax credit that lowers what they actually pay — estimate your subsidy to see your net premium.
What is the deductible for Streamlined Silver?
The individual medical deductible is $4,700, and the family deductible is $9,400. You pay for covered care out of pocket until you meet the deductible, after which the plan shares costs with you.
What is the out-of-pocket maximum for Streamlined Silver?
The most you would pay in a year for covered in-network care is $11,300 for an individual and $22,600 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is Streamlined Silver HSA-eligible?
No. Streamlined Silver is not classified as an HSA-eligible high-deductible health plan, so it cannot be paired with a Health Savings Account.
What type of network does Streamlined Silver use?
Streamlined Silver is a HMO plan. HMO plans generally require you to use in-network providers and to get a referral to see a specialist, in exchange for lower costs.
Understand what you'd actually pay
- 2026 Federal Poverty Level (FPL) chart
The income table behind subsidy and Medicaid eligibility
- How ACA subsidies work
Premium tax credits and who qualifies
- The 2026 subsidy cliff
Why income near 400% FPL matters again this year
- The SLCSP benchmark
The Silver plan that sets your subsidy and Form 1095-A
Important Notice
Plan details and costs shown are estimates for educational purposes only. Actual costs, coverage, and availability may vary. Always verify plan details and enroll through official channels at HealthCare.gov or your state marketplace.