Planes del Mercado de Seguros Médicos de la ACA en el condado de Montgomery, Iowa (2026)
El condado de Montgomery, Iowa, tiene 57 planes del Mercado de Seguros Médicos de la ACA de 5 aseguradoras en 2026, con primas mensuales para una persona de 40 años de $399 a $896 y un plan de referencia (el segundo plan Plata de menor costo) de $569 al mes. Planes de 2027 para el condado de Montgomery ya están disponibles: para compararlos e inscribirse, sin costo para usted, llame a United Enrollment Services al 1-866-569-7273.
Actualizado el 23 de julio de 2026 · Responsable editorial: Jason Burns, Responsable editorial
Agente con licencia responsable: Heather Fabrizio, con licencia en Iowa (Licencia n.º 20983651)
Tabla de planes
| Aseguradora | Plan | Nivel de metal | 21 años | 40 años | 60 años | Deducible | Máximo de gastos de bolsillo |
|---|---|---|---|---|---|---|---|
| Oscar Insurance Company | Secure | Catastrófico | $311.96 | $398.68 | $846.64 | $10,600 | $10,600 |
| Wellmark Health Plan of Iowa, Inc. | Wellmark Bronze Traditional HMO | Bronce ampliado | $319.89 | $408.82 | $868.17 | $7,200 | $9,900 |
| Wellmark Health Plan of Iowa, Inc. | Wellmark Bronze HDHP HMO HSA Qualified | Bronce ampliado | $326.59 | $417.38 | $886.36 | $8,300 | $8,300 |
| Wellmark Health Plan of Iowa, Inc. | Wellmark Standard Bronze HMO | Bronce ampliado | $342.87 | $438.18 | $930.54 | $7,500 | $10,000 |
| Ambetter Health | Everyday Bronze | Bronce ampliado | $345.59 | $441.65 | $937.91 | $8,450 | $10,150 |
| Ambetter Health | Standard Expanded Bronze | Bronce ampliado | $346.28 | $442.54 | $939.79 | $7,500 | $10,000 |
| Oscar Insurance Company | Bronze Classic Standard | Bronce ampliado | $348.30 | $445.12 | $945.26 | $7,500 | $10,000 |
| Medica | Elevate by Medica Bronze Share | Bronce ampliado | $351.45 | $449.15 | $953.83 | $8,000 | $10,600 |
| Oscar Insurance Company | Bronze Classic 4700 | Bronce ampliado | $358.96 | $458.74 | $974.20 | $4,700 | $9,300 |
| Ambetter Health | Everyday Bronze + Vision + Adult Dental | Bronce ampliado | $360.24 | $460.37 | $977.66 | $8,450 | $10,150 |
| Ambetter Health | Standard Expanded Bronze + Vision + Adult Dental | Bronce ampliado | $360.96 | $461.29 | $979.61 | $7,500 | $10,000 |
| UnitedHealthcare | UHC Bronze Value ($0 Virtual Urgent Care, No Referrals) | Bronce ampliado | $375.79 | $480.26 | $1,019.89 | $8,000 | $10,600 |
| UnitedHealthcare | UHC Bronze Standard (No Referrals) | Bronce ampliado | $377.11 | $481.95 | $1,023.48 | $7,500 | $10,000 |
| Oscar Insurance Company | Bronze Elite + PCP Saver Plus | Bronce ampliado | $381.89 | $488.04 | $1,036.42 | $0 | $10,600 |
| Medica | Elevate by Medica Bronze $0 Copay PCP Visits | Bronce ampliado | $382.11 | $488.34 | $1,037.05 | $7,500 | $10,600 |
| Medica | Elevate by Medica Expanded Bronze Standard | Bronce ampliado | $386.73 | $494.25 | $1,049.60 | $7,500 | $10,000 |
| UnitedHealthcare | UHC Bronze Value+ ($0 Virtual Urgent Care, Dental + Vision, No Referrals) | Bronce ampliado | $389.15 | $497.33 | $1,056.14 | $8,000 | $10,600 |
| UnitedHealthcare | UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) | Bronce ampliado | $391.76 | $500.66 | $1,063.23 | $0 | $10,600 |
| Ambetter Health | Elite Bronze | Bronce ampliado | $400.49 | $511.81 | $1,086.90 | $0 | $10,500 |
| Ambetter Health | Elite Bronze + Vision + Adult Dental | Bronce ampliado | $417.46 | $533.50 | $1,132.96 | $0 | $10,500 |
| Medica | Medica Insure Expanded Bronze Standard | Bronce ampliado | $479.73 | $613.09 | $1,301.98 | $7,500 | $10,000 |
| Wellmark Health Plan of Iowa, Inc. | Wellmark Gold Traditional HMO | Oro | $438.30 | $560.15 | $1,189.55 | $1,750 | $7,500 |
| Wellmark Health Plan of Iowa, Inc. | Wellmark Standard Gold HMO | Oro | $446.13 | $570.15 | $1,210.79 | $2,000 | $8,200 |
| Oscar Insurance Company | Gold Classic Standard | Oro | $450.74 | $576.03 | $1,223.27 | $2,000 | $8,200 |
| UnitedHealthcare | UHC Gold Standard (No Referrals) | Oro | $460.10 | $588.01 | $1,248.71 | $2,000 | $8,200 |
| Ambetter Health | Standard Gold | Oro | $470.84 | $601.72 | $1,277.84 | $2,000 | $8,200 |
| UnitedHealthcare | UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals) | Oro | $472.10 | $603.34 | $1,281.27 | $0 | $9,000 |
| UnitedHealthcare | UHC Gold Advantage ($0 Virtual Urgent Care, $1 Tier 2 Rx, No Referrals) | Oro | $477.16 | $609.82 | $1,295.02 | $1,000 | $8,500 |
| Ambetter Health | Everyday Gold | Oro | $478.28 | $611.23 | $1,298.03 | $800 | $7,250 |
| Oscar Insurance Company | Gold Elite | Oro | $486.84 | $622.18 | $1,321.27 | $550 | $6,000 |
| UnitedHealthcare | UHC Gold Advantage+ ($0 Virtual Urgent Care, $1 Tier 2 Rx, Dental + Vision, No Referrals) | Oro | $490.52 | $626.89 | $1,331.28 | $1,000 | $8,500 |
| Ambetter Health | Standard Gold + Vision + Adult Dental | Oro | $490.79 | $627.22 | $1,331.99 | $2,000 | $8,200 |
| Ambetter Health | Complete Gold | Oro | $495.55 | $633.30 | $1,344.91 | $1,450 | $7,500 |
| Ambetter Health | Everyday Gold + Vision + Adult Dental | Oro | $498.55 | $637.14 | $1,353.04 | $800 | $7,250 |
| Ambetter Health | Complete Gold + Vision + Adult Dental | Oro | $516.55 | $660.14 | $1,401.90 | $1,450 | $7,500 |
| Medica | Elevate by Medica Gold $0 Copay PCP Visits | Oro | $531.92 | $679.80 | $1,443.64 | $1,500 | $8,800 |
| Medica | Elevate by Medica Gold Share | Oro | $547.83 | $700.13 | $1,486.82 | $2,500 | $5,900 |
| Medica | Elevate by Medica Gold Standard | Oro | $564.43 | $721.34 | $1,531.85 | $2,000 | $8,200 |
| Medica | Medica Insure Gold Standard | Oro | $700.15 | $894.79 | $1,900.21 | $2,000 | $8,200 |
| Ambetter Health | Standard Silver | Plata | $440.23 | $562.60 | $1,194.76 | $6,000 | $8,900 |
| Ambetter Health | Focused Silver | Plata | $445.14 | $568.88 | $1,208.09 | $6,300 | $8,400 |
| Ambetter Health | Standard Silver + Vision + Adult Dental | Plata | $458.89 | $586.45 | $1,245.39 | $6,000 | $8,900 |
| Ambetter Health | Focused Silver + Vision + Adult Dental | Plata | $464.01 | $592.99 | $1,259.28 | $6,300 | $8,400 |
| Oscar Insurance Company | Silver Simple PCP Saver | Plata | $475.64 | $607.85 | $1,290.86 | $5,000 | $8,500 |
| Oscar Insurance Company | Silver Classic Standard | Plata | $476.16 | $608.52 | $1,292.26 | $6,000 | $8,900 |
| Wellmark Health Plan of Iowa, Inc. | Wellmark Silver Traditional HMO | Plata | $478.83 | $611.94 | $1,299.54 | $5,000 | $7,500 |
| UnitedHealthcare | UHC Silver Value ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals) | Plata | $481.11 | $614.86 | $1,305.73 | $3,500 | $10,600 |
| UnitedHealthcare | UHC Silver Standard (No Referrals) | Plata | $481.96 | $615.94 | $1,308.04 | $6,000 | $8,900 |
| Oscar Insurance Company | Silver Classic | Plata | $482.38 | $616.47 | $1,309.15 | $5,000 | $8,000 |
| Wellmark Health Plan of Iowa, Inc. | Wellmark Standard Silver HMO | Plata | $485.84 | $620.90 | $1,318.57 | $6,000 | $8,900 |
| Oscar Insurance Company | Silver Simple Diabetes | Plata | $485.87 | $620.93 | $1,318.62 | $6,500 | $10,000 |
| UnitedHealthcare | UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) | Plata | $487.72 | $623.31 | $1,323.68 | $0 | $10,150 |
| UnitedHealthcare | UHC Silver Value+ ($0 Virtual Urgent Care, $3 Tier 2 Rx, Dental + Vision, No Referrals) | Plata | $494.47 | $631.93 | $1,341.99 | $3,500 | $10,600 |
| Medica | Elevate by Medica Silver $0 Copay PCP Visits | Plata | $540.48 | $690.74 | $1,466.87 | $3,500 | $10,450 |
| Medica | Elevate by Medica Silver Share | Plata | $556.71 | $711.47 | $1,510.90 | $3,525 | $8,850 |
| Medica | Elevate by Medica Silver Standard | Plata | $565.42 | $722.61 | $1,534.56 | $6,000 | $8,900 |
| Medica | Medica Insure Silver Standard | Plata | $701.39 | $896.37 | $1,903.57 | $6,000 | $8,900 |
Reducciones de costos compartidos (CSR)
Los planes Plata de este condado tienen los costos compartidos estándar que se muestran arriba. Si los ingresos de su hogar están entre el 100% y el 250% del nivel federal de pobreza, HealthCare.gov aplica automáticamente variantes de los planes Plata con reducciones de costos compartidos (CSR) que bajan los deducibles, los copagos y el máximo anual de gastos de bolsillo; el nombre del plan no cambia, pero sí las cifras de su Resumen de Beneficios.
Contexto de los subsidios para 2026
Los créditos tributarios ampliados para la prima de la American Rescue Plan Act y la Inflation Reduction Act vencieron el 31 de diciembre de 2025, por lo que en el año del plan 2026 vuelve la estructura de subsidios de la ACA anterior a 2021: los hogares con ingresos superiores al 400% del nivel federal de pobreza no reciben crédito tributario para la prima, y los hogares de menores ingresos pagan una parte mayor de la prima del plan de referencia (consulte el informe del Congressional Research Service R48290 y el seguimiento de primas 2026 de KFF). Estas cifras describen las reglas; nada en esta página es una recomendación.
Fuentes
- PY2026 QHP Landscape, Individual Market Medical — archivo de uso público de CMS, publicado en mayo de 2026. Todas las cifras de planes, primas, deducibles y gastos de bolsillo de esta página provienen de este archivo.
- HealthCare.gov — Mercado de Seguros Médicos federal oficial donde se venden estos planes.