Health Insurance Plans in Iowa
Browse ACA Marketplace plans available to Iowa residents on the federal exchange. 56 plans available for 2026. Starting from $304/month.
Lowest Monthly Premium
$304/mo
Before subsidies · 30-year-old
Avg Bronze Premium
$339/mo
21 plans available
Avg Silver (Benchmark)
$455/mo
Basis for APTC subsidy calculation
Plans by Metal Tier
Average premiums for a 30-year-old individual in Des Moines, IA
Lowest monthly premium, highest cost-sharing. Best if you're healthy and rarely use care.
$339/mo avg
from $304 – $454
Mid-range premiums with moderate cost-sharing. Qualifies for Cost-Sharing Reductions (CSR) if income-eligible.
$455/mo avg
from $407 – $664
Higher premiums, lower cost-sharing. Best if you use healthcare regularly.
$468/mo avg
from $384 – $663
Lowest-Premium Plans Available
Sample plans near Des Moines — enter your ZIP for exact results
Bronze Classic Standard | MercyOne
Oscar Insurance Company
$304/mo
Ded: $7,500
Bronze Simple Diabetes | MercyOne
Oscar Insurance Company
$311/mo
Ded: $5,500
Wellmark Bronze Standard | UnityPoint Health
Wellmark Health Plan of Iowa, Inc.
$311/mo
Ded: $7,500
Wellmark Bronze Traditional HMO
Wellmark Health Plan of Iowa, Inc.
$311/mo
Ded: $7,200
Bronze Simple Breathe Easy with Enhanced COPD Benefits | MercyOne
Oscar Insurance Company
$312/mo
Ded: $5,500
Bronze Classic 4700 | MercyOne
Oscar Insurance Company
$313/mo
Ded: $4,700
Bronze Simple Chronic Care CKM | MercyOne
Oscar Insurance Company
$318/mo
Ded: $5,500
Wellmark Bronze HDHP HMO HSA Qualified
Wellmark Health Plan of Iowa, Inc.
$318/mo
Ded: $8,300
Inspire by Medica Bronze Share
Medica
$319/mo
Ded: $8,000
Everyday Bronze
Ambetter Health
$330/mo
Ded: $8,450
Prices shown are for a 30-year-old near Des Moines without subsidies. Your actual premium depends on your age, ZIP code, household size, and income.Get your personalized price →
Frequently Asked Questions
How many ACA plans are available in Iowa?
Approximately 56 ACA Marketplace plans are available in Iowa for 2026. The exact count varies by county — some areas have more insurer competition than others.
What is the cheapest health insurance plan in Iowa?
For a 30-year-old without subsidies, the cheapest plan near Des Moines starts at about $304/month. Bronze plans have the lowest premiums. If your income qualifies for the Advance Premium Tax Credit (APTC), you could pay significantly less — or nothing at all.
Does Iowa use HealthCare.gov?
Yes — Iowa is a federal marketplace state, so residents shop for ACA plans at HealthCare.gov. Policymage uses the same underlying federal marketplace data to let you compare plans before enrolling.
What is the Silver benchmark plan and why does it matter?
The Silver benchmark plan in Iowa averages $455/month. This benchmark is used by the federal government to calculate your APTC subsidy amount — it's the second-lowest-cost Silver plan in your county. Even if you choose a Bronze or Gold plan, your subsidy is based on the Silver benchmark.
Find Plans in Iowa
Enter your ZIP code to see all plans available in your county with your exact premium after subsidies.