ConnectPlus $0 Silver
Starting at
$630
/month before subsidy
ConnectPlus $0 Silver is a 2026 Silver PPO health insurance plan from Avera Health Plans, sold on the ACA Marketplace in Iowa under plan ID 74980IA0020025. The monthly premium starts at $630 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 $10,600 ($21,200 for a family). After the deductible, coinsurance is 40% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 74980IA0020025
- Plan year
- 2026
- State
- Iowa
- Metal level
- Silver
- Plan type
- PPO
- HSA-eligible
- No
Individual Deductible
$0
Family: $0
Out-of-Pocket Max
$10,600
Family: $21,200
Coinsurance
40%
You pay after deductible
Network Type
PPO
IAN001
Medical Services
Prescription Drugs
Having a baby
Normal delivery
$6,060
your estimated cost
- Deductible
- $0
- Copays
- $4,400
- Coinsurance
- $1,600
Managing type 2 diabetes
A year of routine care
$2,020
your estimated cost
- Deductible
- $0
- Copays
- $1,400
- Coinsurance
- $600
A simple fracture
ER visit + follow-up
$1,700
your estimated cost
- Deductible
- $0
- Copays
- $1,400
- Coinsurance
- $300
Enter your ZIP code first to search nearby doctors.
This Silver PPO 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
$1,513/month
Annual Premium
$7,560
OOP Maximum
$10,600
💡 What this means:
With a $0 deductible, you pay 100% of costs until you've spent that much. After that, you pay 40% (coinsurance) until you hit $10,600 total. Then insurance covers everything else for the year.
More plans from Avera Health Plans in Iowa
- ConnectPlus $10,600 HSA Eligible HDHPfrom $354/mo
- ConnectPlus $6500 HSA Eligible HDHPfrom $432/mo
- ConnectPlus $7500 HSA Eligible HDHPfrom $454/mo
- ConnectPlus Standard $7500 HSA Eligible HDHPfrom $417/mo
- ConnectPlus $4500from $571/mo
- ConnectPlus MyWeighForward $6000from $575/mo
- ConnectPlus Standard $6000from $559/mo
- ConnectPlus $0 Goldfrom $612/mo
Frequently asked questions about ConnectPlus $0 Silver
How much does ConnectPlus $0 Silver cost per month?
ConnectPlus $0 Silver from Avera Health Plans starts at $630 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 ConnectPlus $0 Silver?
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 ConnectPlus $0 Silver?
The most you would pay in a year for covered in-network care is $10,600 for an individual and $21,200 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is ConnectPlus $0 Silver HSA-eligible?
No. ConnectPlus $0 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 ConnectPlus $0 Silver use?
ConnectPlus $0 Silver is a PPO plan. PPO plans let you see specialists without a referral and use out-of-network providers (at higher cost), offering the most flexibility.
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.