Elite Bronze + Vision + Adult Dental
Starting at
$435
/month before subsidy
Elite Bronze + Vision + Adult Dental is a 2026 Expanded_bronze HMO health insurance plan from Ambetter Health, sold on the ACA Marketplace in Iowa under plan ID 48286IA0020013. The monthly premium starts at $435 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $0, and the individual out-of-pocket maximum is $10,500 ($21,000 for a family). After the deductible, coinsurance is 50% for covered in-network care. The plan is HSA-eligible, so it can be paired with a Health Savings Account.
- Plan ID
- 48286IA0020013
- Plan year
- 2026
- State
- Iowa
- Metal level
- Expanded_bronze
- Plan type
- HMO
- HSA-eligible
- Yes
Individual Deductible
$0
Family: $0
Out-of-Pocket Max
$10,500
Family: $21,000
Coinsurance
50%
You pay after deductible
Network Type
HMO
IAN001
Medical Services
Prescription Drugs
Having a baby
Normal delivery
$5,060
your estimated cost
- Deductible
- $0
- Copays
- $600
- Coinsurance
- $4,400
Managing type 2 diabetes
A year of routine care
$3,920
your estimated cost
- Deductible
- $0
- Copays
- $3,500
- Coinsurance
- $400
A simple fracture
ER visit + follow-up
$2,000
your estimated cost
- Deductible
- $0
- Copays
- $1,100
- Coinsurance
- $900
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Review the plan details above to determine if this plan fits your healthcare needs and budget.
This summary is generated based on plan attributes for educational purposes only.
If you max out this year
$1,310/month
Annual Premium
$5,220
OOP Maximum
$10,500
💡 What this means:
With a $0 deductible, you pay 100% of costs until you've spent that much. After that, you pay 50% (coinsurance) until you hit $10,500 total. Then insurance covers everything else for the year.
More plans from Ambetter Health in Iowa
- Elite Bronzefrom $418/mo
- Everyday Bronzefrom $360/mo
- Everyday Bronze + Vision + Adult Dentalfrom $376/mo
- Standard Expanded Bronzefrom $361/mo
- Standard Expanded Bronze + Vision + Adult Dentalfrom $377/mo
- Focused Silverfrom $464/mo
- Focused Silver + Vision + Adult Dentalfrom $484/mo
- Standard Silverfrom $459/mo
Frequently asked questions about Elite Bronze + Vision + Adult Dental
How much does Elite Bronze + Vision + Adult Dental cost per month?
Elite Bronze + Vision + Adult Dental from Ambetter Health starts at $435 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 Elite Bronze + Vision + Adult Dental?
The individual medical deductible is $0. 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 Elite Bronze + Vision + Adult Dental?
The most you would pay in a year for covered in-network care is $10,500 for an individual and $21,000 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is Elite Bronze + Vision + Adult Dental HSA-eligible?
Yes. Elite Bronze + Vision + Adult Dental is a qualified high-deductible health plan, so you can pair it with a Health Savings Account (HSA) and pay for eligible medical expenses with pre-tax dollars.
What type of network does Elite Bronze + Vision + Adult Dental use?
Elite Bronze + Vision + Adult Dental 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
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.