Deductible · ind / family
$7,500 / $15,000
Out-of-pocket max · ind / family
$10,600 / $21,200
Iowa Health Insurance Plans
2026 Subsidy-eligible and Off-Exchange plans
137 plans across the state
Obamacare (On-Exchange) plans
Subsidy-eligible plans sold through the federal Marketplace. Prices shown are before any tax credit.
Deductible · ind / family
$7,500 / $15,000
Out-of-pocket max · ind / family
$10,000 / $20,000
Deductible · ind / family
$8,000 / $16,000
Out-of-pocket max · ind / family
$10,600 / $21,200
Deductible · ind / family
$7,500 / $15,000
Out-of-pocket max · ind / family
$10,600 / $21,200
Deductible · ind / family
$7,500 / $15,000
Out-of-pocket max · ind / family
$10,000 / $20,000
Deductible · ind / family
$8,300 / $16,600
Out-of-pocket max · ind / family
$8,300 / $16,600
Deductible · ind / family
$7,500 / $15,000
Out-of-pocket max · ind / family
$10,000 / $20,000
Deductible · ind / family
$7,500 / $15,000
Out-of-pocket max · ind / family
$10,600 / $21,200
Deductible · ind / family
$0 / $0
Out-of-pocket max · ind / family
$10,600 / $21,200
Deductible · ind / family
$6,500 / $13,000
Out-of-pocket max · ind / family
$10,600 / $21,200
Deductible · ind / family
$7,500 / $15,000
Out-of-pocket max · ind / family
$10,000 / $20,000
Medica with CHI Health Bronze Share + Adult Eye Exam
by Medica Insurance Company
Bronze HSA eligible EPO
Deductible · ind / family
$8,000 / $16,000
Out-of-pocket max · ind / family
$10,600 / $21,200
Deductible · ind / family
$4,700 / $9,400
Out-of-pocket max · ind / family
$9,300 / $18,600
Deductible · ind / family
$7,500 / $15,000
Out-of-pocket max · ind / family
$10,000 / $20,000
Deductible · ind / family
$8,450 / $16,900
Out-of-pocket max · ind / family
$10,150 / $20,300
Deductible · ind / family
$7,500 / $15,000
Out-of-pocket max · ind / family
$10,000 / $20,000
Deductible · ind / family
$7,200 / $14,400
Out-of-pocket max · ind / family
$9,900 / $19,800
Deductible · ind / family
$4,700 / $9,400
Out-of-pocket max · ind / family
$9,300 / $18,600
Deductible · ind / family
$5,500 / $11,000
Out-of-pocket max · ind / family
$10,150 / $20,300
Deductible · ind / family
$7,500 / $15,000
Out-of-pocket max · ind / family
$10,000 / $20,000
Deductible · ind / family
$8,000 / $16,000
Out-of-pocket max · ind / family
$10,600 / $21,200
Deductible · ind / family
$7,500 / $15,000
Out-of-pocket max · ind / family
$10,000 / $20,000
UHC Bronze Value+ ($0 Virtual Urgent Care, Dental + Vision, No Referrals)
by UnitedHealthcare
Bronze HSA eligible HMO
Deductible · ind / family
$8,000 / $16,000
Out-of-pocket max · ind / family
$10,600 / $21,200
Deductible · ind / family
$0 / $0
Out-of-pocket max · ind / family
$10,500 / $21,000
UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals)
by UnitedHealthcare
Bronze HSA eligible HMO
Deductible · ind / family
$0 / $0
Out-of-pocket max · ind / family
$10,600 / $21,200
Deductible · ind / family
$8,000 / $16,000
Out-of-pocket max · ind / family
$10,600 / $21,200
Deductible · ind / family
$8,000 / $16,000
Out-of-pocket max · ind / family
$10,600 / $21,200
Deductible · ind / family
$8,450 / $16,900
Out-of-pocket max · ind / family
$10,150 / $20,300
Deductible · ind / family
$0 / $0
Out-of-pocket max · ind / family
$10,500 / $21,000
Deductible · ind / family
$7,500 / $15,000
Out-of-pocket max · ind / family
$7,500 / $15,000
Deductible · ind / family
$7,500 / $15,000
Out-of-pocket max · ind / family
$10,000 / $20,000
Deductible · ind / family
$0 / $0
Out-of-pocket max · ind / family
$10,600 / $21,200
Bronze Simple Breathe Easy with Enhanced COPD Benefits | MercyOne
by Oscar Insurance Company
Bronze HSA eligible EPO
Deductible · ind / family
$5,500 / $11,000
Out-of-pocket max · ind / family
$10,150 / $20,300
Deductible · ind / family
$5,500 / $11,000
Out-of-pocket max · ind / family
$10,150 / $20,300
Deductible · ind / family
$8,000 / $16,000
Out-of-pocket max · ind / family
$10,600 / $21,200
Deductible · ind / family
$7,500 / $15,000
Out-of-pocket max · ind / family
$10,000 / $20,000
Deductible · ind / family
$7,500 / $15,000
Out-of-pocket max · ind / family
$10,600 / $21,200
Deductible · ind / family
$7,500 / $15,000
Out-of-pocket max · ind / family
$10,000 / $20,000
Deductible · ind / family
$7,500 / $15,000
Out-of-pocket max · ind / family
$10,000 / $20,000
Medica with CHI Health Bronze $0 Copay PCP Visits + Adult Eye Exam
by Medica Insurance Company
Bronze HSA eligible EPO
Deductible · ind / family
$7,500 / $15,000
Out-of-pocket max · ind / family
$10,600 / $21,200
Medica with CHI Health Expanded Bronze Standard + Adult Eye Exam
by Medica Insurance Company
Bronze HSA eligible EPO
Deductible · ind / family
$7,500 / $15,000
Out-of-pocket max · ind / family
$10,000 / $20,000
Deductible · ind / family
$6,500 / $13,000
Out-of-pocket max · ind / family
$10,000 / $20,000
Deductible · ind / family
$3,525 / $7,050
Out-of-pocket max · ind / family
$8,850 / $17,700
Deductible · ind / family
$3,500 / $7,000
Out-of-pocket max · ind / family
$10,450 / $20,900
Deductible · ind / family
$6,000 / $12,000
Out-of-pocket max · ind / family
$8,900 / $17,800
Deductible · ind / family
$4,500 / $9,000
Out-of-pocket max · ind / family
$10,600 / $21,200
Deductible · ind / family
$6,000 / $12,000
Out-of-pocket max · ind / family
$8,900 / $17,800
Deductible · ind / family
$6,000 / $12,000
Out-of-pocket max · ind / family
$8,900 / $17,800
Deductible · ind / family
$5,700 / $11,400
Out-of-pocket max · ind / family
$8,000 / $16,000
Deductible · ind / family
$6,000 / $12,000
Out-of-pocket max · ind / family
$8,900 / $17,800
Deductible · ind / family
$6,500 / $13,000
Out-of-pocket max · ind / family
$10,000 / $20,000
Deductible · ind / family
$6,000 / $12,000
Out-of-pocket max · ind / family
$8,900 / $17,800
UHC Silver Value+ ($0 Virtual Urgent Care, $3 Tier 2 Rx, Dental + Vision, No Referrals)
by UnitedHealthcare
Silver HMO
Deductible · ind / family
$3,500 / $7,000
Out-of-pocket max · ind / family
$10,600 / $21,200
Deductible · ind / family
$5,000 / $10,000
Out-of-pocket max · ind / family
$8,000 / $16,000
Deductible · ind / family
$3,500 / $7,000
Out-of-pocket max · ind / family
$10,600 / $21,200
Deductible · ind / family
$3,500 / $7,000
Out-of-pocket max · ind / family
$10,450 / $20,900
Deductible · ind / family
$3,525 / $7,050
Out-of-pocket max · ind / family
$8,850 / $17,700
Deductible · ind / family
$5,000 / $10,000
Out-of-pocket max · ind / family
$7,500 / $15,000
Deductible · ind / family
$6,000 / $12,000
Out-of-pocket max · ind / family
$8,900 / $17,800
Deductible · ind / family
$5,000 / $10,000
Out-of-pocket max · ind / family
$8,500 / $17,000
Deductible · ind / family
$6,000 / $12,000
Out-of-pocket max · ind / family
$8,900 / $17,800
Deductible · ind / family
$6,000 / $12,000
Out-of-pocket max · ind / family
$8,900 / $17,800
Deductible · ind / family
$6,000 / $12,000
Out-of-pocket max · ind / family
$8,900 / $17,800
Deductible · ind / family
$3,500 / $7,000
Out-of-pocket max · ind / family
$10,450 / $20,900
Deductible · ind / family
$5,000 / $10,000
Out-of-pocket max · ind / family
$8,500 / $17,000
Medica with CHI Health Silver $0 Copay PCP Visits + Adult Eye Exam
by Medica Insurance Company
Silver EPO
Deductible · ind / family
$3,500 / $7,000
Out-of-pocket max · ind / family
$10,450 / $20,900
Deductible · ind / family
$3,525 / $7,050
Out-of-pocket max · ind / family
$8,850 / $17,700
Deductible · ind / family
$6,000 / $12,000
Out-of-pocket max · ind / family
$8,900 / $17,800
Deductible · ind / family
$6,000 / $12,000
Out-of-pocket max · ind / family
$10,150 / $20,300
Deductible · ind / family
$0 / $0
Out-of-pocket max · ind / family
$10,600 / $21,200
Silver Simple Breathe Easy with Enhanced COPD Benefits | MercyOne
by Oscar Insurance Company
Silver EPO
Deductible · ind / family
$6,200 / $12,400
Out-of-pocket max · ind / family
$9,600 / $19,200
Deductible · ind / family
$3,525 / $7,050
Out-of-pocket max · ind / family
$8,850 / $17,700
Deductible · ind / family
$5,000 / $10,000
Out-of-pocket max · ind / family
$8,000 / $16,000
Deductible · ind / family
$5,900 / $11,800
Out-of-pocket max · ind / family
$10,150 / $20,300
Deductible · ind / family
$3,525 / $7,050
Out-of-pocket max · ind / family
$8,850 / $17,700
Deductible · ind / family
$3,500 / $7,000
Out-of-pocket max · ind / family
$10,450 / $20,900
Deductible · ind / family
$6,000 / $12,000
Out-of-pocket max · ind / family
$8,900 / $17,800
Deductible · ind / family
$6,000 / $12,000
Out-of-pocket max · ind / family
$8,900 / $17,800
UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals)
by UnitedHealthcare
Silver HMO
Deductible · ind / family
$0 / $0
Out-of-pocket max · ind / family
$10,150 / $20,300
Deductible · ind / family
$6,300 / $12,600
Out-of-pocket max · ind / family
$8,400 / $16,800
Deductible · ind / family
$6,300 / $12,600
Out-of-pocket max · ind / family
$8,400 / $16,800
Deductible · ind / family
$6,000 / $12,000
Out-of-pocket max · ind / family
$8,900 / $17,800
Deductible · ind / family
$2,000 / $4,000
Out-of-pocket max · ind / family
$8,200 / $16,400
Deductible · ind / family
$2,500 / $5,000
Out-of-pocket max · ind / family
$5,900 / $11,800
Deductible · ind / family
$2,500 / $5,000
Out-of-pocket max · ind / family
$5,900 / $11,800
Deductible · ind / family
$1,500 / $3,000
Out-of-pocket max · ind / family
$8,800 / $17,600
Deductible · ind / family
$1,500 / $3,000
Out-of-pocket max · ind / family
$8,800 / $17,600
Deductible · ind / family
$2,000 / $4,000
Out-of-pocket max · ind / family
$8,200 / $16,400
Deductible · ind / family
$2,500 / $5,000
Out-of-pocket max · ind / family
$5,900 / $11,800
Deductible · ind / family
$2,500 / $5,000
Out-of-pocket max · ind / family
$5,900 / $11,800
Deductible · ind / family
$2,000 / $4,000
Out-of-pocket max · ind / family
$8,200 / $16,400
Deductible · ind / family
$1,450 / $2,900
Out-of-pocket max · ind / family
$7,500 / $15,000
UHC Gold Advantage+ ($0 Virtual Urgent Care, $1 Tier 2 Rx, Dental + Vision, No Referrals)
by UnitedHealthcare
Gold HMO
Deductible · ind / family
$1,000 / $2,000
Out-of-pocket max · ind / family
$8,500 / $17,000
Deductible · ind / family
$2,000 / $4,000
Out-of-pocket max · ind / family
$8,200 / $16,400
Deductible · ind / family
$1,450 / $2,900
Out-of-pocket max · ind / family
$7,500 / $15,000
Deductible · ind / family
$2,300 / $4,600
Out-of-pocket max · ind / family
$8,000 / $16,000
Deductible · ind / family
$2,000 / $4,000
Out-of-pocket max · ind / family
$8,200 / $16,400
Deductible · ind / family
$2,000 / $4,000
Out-of-pocket max · ind / family
$8,200 / $16,400
Deductible · ind / family
$2,000 / $4,000
Out-of-pocket max · ind / family
$8,200 / $16,400
Deductible · ind / family
$2,000 / $4,000
Out-of-pocket max · ind / family
$8,200 / $16,400
Deductible · ind / family
$1,800 / $3,600
Out-of-pocket max · ind / family
$9,000 / $18,000
Deductible · ind / family
$2,000 / $4,000
Out-of-pocket max · ind / family
$8,200 / $16,400
Deductible · ind / family
$2,000 / $4,000
Out-of-pocket max · ind / family
$8,200 / $16,400
Deductible · ind / family
$550 / $1,100
Out-of-pocket max · ind / family
$6,000 / $12,000
Deductible · ind / family
$800 / $1,600
Out-of-pocket max · ind / family
$7,250 / $14,500
Deductible · ind / family
$1,500 / $3,000
Out-of-pocket max · ind / family
$8,800 / $17,600
Deductible · ind / family
$2,500 / $5,000
Out-of-pocket max · ind / family
$5,900 / $11,800
Deductible · ind / family
$550 / $1,100
Out-of-pocket max · ind / family
$6,000 / $12,000
Deductible · ind / family
$2,000 / $4,000
Out-of-pocket max · ind / family
$8,200 / $16,400
Deductible · ind / family
$2,000 / $4,000
Out-of-pocket max · ind / family
$8,200 / $16,400
Deductible · ind / family
$1,500 / $3,000
Out-of-pocket max · ind / family
$8,800 / $17,600
UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals)
by UnitedHealthcare
Gold HMO
Deductible · ind / family
$0 / $0
Out-of-pocket max · ind / family
$9,000 / $18,000
Deductible · ind / family
$1,750 / $3,500
Out-of-pocket max · ind / family
$7,500 / $15,000
Deductible · ind / family
$2,000 / $4,000
Out-of-pocket max · ind / family
$8,200 / $16,400
Deductible · ind / family
$0 / $0
Out-of-pocket max · ind / family
$8,500 / $17,000
Deductible · ind / family
$1,000 / $2,000
Out-of-pocket max · ind / family
$8,500 / $17,000
Deductible · ind / family
$800 / $1,600
Out-of-pocket max · ind / family
$7,250 / $14,500
Deductible · ind / family
$1,500 / $3,000
Out-of-pocket max · ind / family
$8,800 / $17,600
Deductible · ind / family
$10,600 / $21,200
Out-of-pocket max · ind / family
$10,600 / $21,200
Deductible · ind / family
$10,600 / $21,200
Out-of-pocket max · ind / family
$10,600 / $21,200
Deductible · ind / family
$10,600 / $21,200
Out-of-pocket max · ind / family
$10,600 / $21,200
Off-Exchange plans
Plans sold directly by the carriers, outside the federal Marketplace. These are not eligible for a subsidy tax credit.
Hy-Vee Health Bronze 3000 with $0 Visits, $0 Select Generics, $0 Routine Labs at Hy-Vee Health Exemplar Care
by Oscar Insurance Company
Bronze EPO
Deductible · ind / family
$3,000 / $6,000
Out-of-pocket max · ind / family
$10,150 / $20,300
Hy-Vee Health Bronze 9000 with $0 Visits, $0 Select Generics, $0 Routine Labs at Hy-Vee Health Exemplar Care
by Oscar Insurance Company
Bronze EPO
Deductible · ind / family
$9,000 / $18,000
Out-of-pocket max · ind / family
$10,150 / $20,300
Deductible · ind / family
$8,300 / $16,600
Out-of-pocket max · ind / family
$8,300 / $16,600
Deductible · ind / family
$6,000 / $12,000
Out-of-pocket max · ind / family
$8,900 / $17,800
Deductible · ind / family
$4,500 / $9,000
Out-of-pocket max · ind / family
$10,600 / $21,200
Deductible · ind / family
$0 / $0
Out-of-pocket max · ind / family
$10,600 / $21,200
UHC Silver-X Standard $6,000 Indiv Ded (No Referrals) (Off-Exchange Only)
by UnitedHealthcare
Silver HMO
Deductible · ind / family
$6,000 / $12,000
Out-of-pocket max · ind / family
$8,900 / $17,800
UHC Silver-X Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) (Off-Exchange Only)
by UnitedHealthcare
Silver HMO
Deductible · ind / family
$0 / $0
Out-of-pocket max · ind / family
$10,150 / $20,300
Deductible · ind / family
$6,000 / $12,000
Out-of-pocket max · ind / family
$8,900 / $17,800
Deductible · ind / family
$6,000 / $12,000
Out-of-pocket max · ind / family
$8,300 / $16,600
UHC Silver-X Value $3,500 Indiv Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals) (Off-Exchange Only)
by UnitedHealthcare
Silver HMO
Deductible · ind / family
$3,500 / $7,000
Out-of-pocket max · ind / family
$10,600 / $21,200
Hy-Vee Health Silver 5750 with $0 Visits, $0 Select Generics, $0 Routine Labs at Hy-Vee Health Exemplar Care
by Oscar Insurance Company
Silver EPO
Deductible · ind / family
$5,750 / $11,500
Out-of-pocket max · ind / family
$9,750 / $19,500
Deductible · ind / family
$6,300 / $12,600
Out-of-pocket max · ind / family
$10,600 / $21,200
Hy-Vee Health Silver 0 with $0 Visits, $0 Select Generics, $0 Routine Labs at Hy-Vee Health Exemplar Care
by Oscar Insurance Company
Silver EPO
Deductible · ind / family
$0 / $0
Out-of-pocket max · ind / family
$10,600 / $21,200
Hy-Vee Health Gold 3000 with $0 Visits, $0 Select Generics, $0 Routine Labs at Hy-Vee Health Exemplar Care
by Oscar Insurance Company
Gold EPO
Deductible · ind / family
$3,000 / $6,000
Out-of-pocket max · ind / family
$8,000 / $16,000
Hy-Vee Health Gold 1500 with $0 Visits, $0 Select Generics, $0 Routine Labs at Hy-Vee Health Exemplar Care
by Oscar Insurance Company
Gold EPO
Deductible · ind / family
$1,500 / $3,000
Out-of-pocket max · ind / family
$8,000 / $16,000
Frequently asked questions
What are Obamacare health insurance plans?
Obamacare plans are eligible for reduced costs through a subsidy tax credit. They're offered only through the federal marketplace (healthcare.gov) or a state's own exchange — but certified brokers, agents, and web brokers can help you enroll and apply for a subsidy.
What are Off-Exchange health insurance plans?
Off-Exchange plans are available outside the federal marketplaces and existed before Obamacare. You can enroll through a broker, agent, web broker, or directly with the insurance company.
What's the difference between Obamacare and Off-Exchange plans?
The main difference is that only Obamacare plans are eligible for a subsidy tax credit. Otherwise, plan design, coverage, and rates are similar, and both must follow federal regulations.
How do I choose the plan that's best for me and my family?
Understand a few key concepts first — premium price, out-of-pocket costs, deductibles, and metal levels. Our choosing-a-plan FAQ explains each one.