2026 plan year · Iowa
2026 health insurance plans in Adams County, IA
38 Marketplace plans from 4 insurers. Premiums below are full monthly prices before tax credits. Use the age columns to see how price changes with age.
- $609benchmark silver (age 40)
- $409cheapest bronze (age 40)
- 4insurers
- +30.1%benchmark change vs. 2025
Expanded Bronze plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Wellmark Bronze Traditional HMO Wellmark Health Plan of Iowa, Inc. · HMO | $320 | $409 | $868 | $7,200 | $9,900 | $75 |
| Wellmark Bronze HDHP HMO HSA Qualified Wellmark Health Plan of Iowa, Inc. · HMO | $327 | $417 | $886 | $8,300 | $8,300 | No Charge after Deductible |
| Wellmark Standard Bronze HMO Wellmark Health Plan of Iowa, Inc. · HMO | $343 | $438 | $931 | $7,500 | $10,000 | $50 |
| Bronze Classic Standard Oscar Insurance Company · EPO | $348 | $445 | $945 | $7,500 | $10,000 | $50 |
| Bronze Classic 4700 Oscar Insurance Company · EPO | $359 | $459 | $974 | $4,700 | $9,300 | $70 |
| UHC Bronze Value ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare · HMO | $376 | $480 | $1,020 | $8,000 | $10,600 | $30 |
| UHC Bronze Standard (No Referrals) UnitedHealthcare · HMO | $377 | $482 | $1,023 | $7,500 | $10,000 | $50 |
| Bronze Elite + PCP Saver Plus Oscar Insurance Company · EPO | $382 | $488 | $1,036 | $0 | $10,600 | $50 |
| UHC Bronze Value+ ($0 Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare · HMO | $389 | $497 | $1,056 | $8,000 | $10,600 | $30 |
| UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare · HMO | $392 | $501 | $1,063 | $0 | $10,600 | $40 |
| Medica Insure Bronze Share Medica · EPO | $436 | $557 | $1,183 | $8,000 | $10,600 | $50 |
| Medica Insure Bronze $0 Copay PCP Visits Medica · EPO | $474 | $606 | $1,286 | $7,500 | $10,600 | No Charge |
| Medica Insure Expanded Bronze Standard Medica · EPO | $480 | $613 | $1,302 | $7,500 | $10,000 | $50 |
Silver plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Silver Simple PCP Saver Oscar Insurance Company · EPO | $476 | $608 | $1,291 | $5,000 | $8,500 | $25 |
| Silver Classic Standard Oscar Insurance Company · EPO | $476 | $609 | $1,292 | $6,000 | $8,900 | $40 |
| Wellmark Silver Traditional HMO Wellmark Health Plan of Iowa, Inc. · HMO | $479 | $612 | $1,300 | $5,000 | $7,500 | $45 |
| UHC Silver Value ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals) UnitedHealthcare · HMO | $481 | $615 | $1,306 | $3,500 | $10,600 | $45 |
| UHC Silver Standard (No Referrals) UnitedHealthcare · HMO | $482 | $616 | $1,308 | $6,000 | $8,900 | $40 |
| Silver Classic Oscar Insurance Company · EPO | $482 | $616 | $1,309 | $5,000 | $8,000 | $65 |
| Wellmark Standard Silver HMO Wellmark Health Plan of Iowa, Inc. · HMO | $486 | $621 | $1,319 | $6,000 | $8,900 | $40 |
| Silver Simple Diabetes Oscar Insurance Company · EPO | $486 | $621 | $1,319 | $6,500 | $10,000 | No Charge |
| UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare · HMO | $488 | $623 | $1,324 | $0 | $10,150 | $30 |
| UHC Silver Value+ ($0 Virtual Urgent Care, $3 Tier 2 Rx, Dental + Vision, No Referrals) UnitedHealthcare · HMO | $494 | $632 | $1,342 | $3,500 | $10,600 | $45 |
| Medica Insure Silver $0 Copay PCP Visits Medica · EPO | $670 | $857 | $1,820 | $3,500 | $10,450 | No Charge |
| Medica Insure Silver Share Medica · EPO | $691 | $883 | $1,874 | $3,525 | $8,850 | $30 |
| Medica Insure Silver Standard Medica · EPO | $701 | $896 | $1,904 | $6,000 | $8,900 | $40 |
Gold plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Wellmark Gold Traditional HMO Wellmark Health Plan of Iowa, Inc. · HMO | $438 | $560 | $1,190 | $1,750 | $7,500 | $15 |
| Wellmark Standard Gold HMO Wellmark Health Plan of Iowa, Inc. · HMO | $446 | $570 | $1,211 | $2,000 | $8,200 | $30 |
| Gold Classic Standard Oscar Insurance Company · EPO | $451 | $576 | $1,223 | $2,000 | $8,200 | $30 |
| UHC Gold Standard (No Referrals) UnitedHealthcare · HMO | $460 | $588 | $1,249 | $2,000 | $8,200 | $30 |
| UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals) UnitedHealthcare · HMO | $472 | $603 | $1,281 | $0 | $9,000 | $20 |
| UHC Gold Advantage ($0 Virtual Urgent Care, $1 Tier 2 Rx, No Referrals) UnitedHealthcare · HMO | $477 | $610 | $1,295 | $1,000 | $8,500 | $10 |
| Gold Elite Oscar Insurance Company · EPO | $487 | $622 | $1,321 | $550 | $6,000 | $25 |
| UHC Gold Advantage+ ($0 Virtual Urgent Care, $1 Tier 2 Rx, Dental + Vision, No Referrals) UnitedHealthcare · HMO | $491 | $627 | $1,331 | $1,000 | $8,500 | $10 |
| Medica Insure Gold $0 Copay PCP Visits Medica · EPO | $660 | $843 | $1,791 | $1,500 | $8,800 | No Charge |
| Medica Insure Gold Share Medica · EPO | $680 | $868 | $1,844 | $2,500 | $5,900 | $30 |
| Medica Insure Gold Standard Medica · EPO | $700 | $895 | $1,900 | $2,000 | $8,200 | $30 |
Catastrophic plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Secure Oscar Insurance Company · EPO | $312 | $399 | $847 | $10,600 | $10,600 | No Charge after Deductible |
Care quality in Adams County
Marketplace plans use networks. Check that the hospitals and doctors you'd want are in network, and how they're rated.
Turning 65?
Marketplace plans are for people who aren't on Medicare. See Medicare Advantage plans in Adams County.
Frequently asked questions
How many Marketplace health plans are available in Adams County, IA for 2026?
38 plans from 4 insurers: Medica, Oscar Insurance Company, UnitedHealthcare, Wellmark Health Plan of Iowa, Inc..
What is the benchmark silver plan premium in Adams County, IA?
For 2026, the second-lowest-cost silver plan costs $609 a month for a 40-year-old before tax credits, up 30.1% from 2025. Tax credits are calculated from this plan, so most people who qualify pay much less.
What is the cheapest health plan in Adams County, IA?
The lowest bronze premium for a 40-year-old is $409 a month before tax credits. Bronze plans have low premiums but high deductibles.