2026 plan year · Iowa
2026 health insurance plans in Benton County, IA
48 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.
- $490benchmark silver (age 40)
- $352cheapest bronze (age 40)
- 4insurers
- +18%benchmark change vs. 2025
Expanded Bronze plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Wellmark Bronze Standard | UnityPoint Health Wellmark Health Plan of Iowa, Inc. · HMO | $276 | $352 | $748 | $7,500 | $10,000 | $50 |
| Wellmark Bronze Traditional HMO Wellmark Health Plan of Iowa, Inc. · HMO | $276 | $353 | $750 | $7,200 | $9,900 | $75 |
| Wellmark Bronze HDHP HMO HSA Qualified Wellmark Health Plan of Iowa, Inc. · HMO | $282 | $361 | $766 | $8,300 | $8,300 | No Charge after Deductible |
| Wellmark Standard Bronze HMO Wellmark Health Plan of Iowa, Inc. · HMO | $296 | $378 | $804 | $7,500 | $10,000 | $50 |
| Everyday Bronze Ambetter Health · HMO | $299 | $382 | $811 | $8,450 | $10,150 | $40 |
| Standard Expanded Bronze Ambetter Health · HMO | $299 | $383 | $812 | $7,500 | $10,000 | $50 |
| Everyday Bronze + Vision + Adult Dental Ambetter Health · HMO | $311 | $398 | $845 | $8,450 | $10,150 | $40 |
| Standard Expanded Bronze + Vision + Adult Dental Ambetter Health · HMO | $312 | $399 | $847 | $7,500 | $10,000 | $50 |
| Bronze Classic Standard Oscar Insurance Company · EPO | $331 | $423 | $898 | $7,500 | $10,000 | $50 |
| Inspire by Medica Bronze Share Medica · EPO | $333 | $425 | $903 | $8,000 | $10,600 | $50 |
| Bronze Classic 4700 Oscar Insurance Company · EPO | $341 | $436 | $926 | $4,700 | $9,300 | $70 |
| Elite Bronze Ambetter Health · HMO | $346 | $442 | $940 | $0 | $10,500 | $60 |
| Elite Bronze + Vision + Adult Dental Ambetter Health · HMO | $361 | $461 | $979 | $0 | $10,500 | $60 |
| Inspire by Medica Bronze $0 Copay PCP Visits Medica · EPO | $362 | $462 | $981 | $7,500 | $10,600 | No Charge |
| Bronze Elite + PCP Saver Plus Oscar Insurance Company · EPO | $363 | $464 | $985 | $0 | $10,600 | $50 |
| Inspire by Medica Expanded Bronze Standard Medica · EPO | $366 | $468 | $993 | $7,500 | $10,000 | $50 |
| Medica Insure Expanded Bronze Standard Medica · EPO | $474 | $606 | $1,287 | $7,500 | $10,000 | $50 |
Silver plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Standard Silver Ambetter Health · HMO | $381 | $486 | $1,033 | $6,000 | $8,900 | $40 |
| Wellmark Silver Primary Care | UnityPoint Health Wellmark Health Plan of Iowa, Inc. · HMO | $384 | $490 | $1,042 | $5,700 | $8,000 | $10 |
| Focused Silver Ambetter Health · HMO | $385 | $492 | $1,044 | $6,300 | $8,400 | $40 |
| Standard Silver + Vision + Adult Dental Ambetter Health · HMO | $397 | $507 | $1,077 | $6,000 | $8,900 | $40 |
| Focused Silver + Vision + Adult Dental Ambetter Health · HMO | $401 | $513 | $1,089 | $6,300 | $8,400 | $40 |
| Wellmark Silver Traditional HMO Wellmark Health Plan of Iowa, Inc. · HMO | $414 | $529 | $1,122 | $5,000 | $7,500 | $45 |
| Wellmark Standard Silver HMO Wellmark Health Plan of Iowa, Inc. · HMO | $420 | $536 | $1,139 | $6,000 | $8,900 | $40 |
| Silver Simple PCP Saver Oscar Insurance Company · EPO | $452 | $578 | $1,227 | $5,000 | $8,500 | $25 |
| Silver Classic Standard Oscar Insurance Company · EPO | $453 | $578 | $1,228 | $6,000 | $8,900 | $40 |
| Silver Classic Oscar Insurance Company · EPO | $459 | $586 | $1,244 | $5,000 | $8,000 | $65 |
| Silver Simple Diabetes Oscar Insurance Company · EPO | $462 | $590 | $1,253 | $6,500 | $10,000 | No Charge |
| Inspire by Medica Silver $0 Copay PCP Visits Medica · EPO | $511 | $654 | $1,388 | $3,500 | $10,450 | No Charge |
| Inspire by Medica Silver Share Medica · EPO | $527 | $673 | $1,430 | $3,525 | $8,850 | $30 |
| Inspire by Medica Silver Standard Medica · EPO | $535 | $684 | $1,452 | $6,000 | $8,900 | $40 |
| Medica Insure Silver Standard Medica · EPO | $694 | $886 | $1,882 | $6,000 | $8,900 | $40 |
Gold plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Wellmark Gold Primary Care | UnityPoint Health Wellmark Health Plan of Iowa, Inc. · HMO | $340 | $435 | $924 | $2,300 | $8,000 | $5 |
| Wellmark Gold Traditional HMO Wellmark Health Plan of Iowa, Inc. · HMO | $379 | $484 | $1,027 | $1,750 | $7,500 | $15 |
| Wellmark Standard Gold HMO Wellmark Health Plan of Iowa, Inc. · HMO | $385 | $492 | $1,046 | $2,000 | $8,200 | $30 |
| Standard Gold Ambetter Health · HMO | $407 | $520 | $1,105 | $2,000 | $8,200 | $30 |
| Everyday Gold Ambetter Health · HMO | $413 | $528 | $1,122 | $800 | $7,250 | $35 |
| Standard Gold + Vision + Adult Dental Ambetter Health · HMO | $424 | $542 | $1,151 | $2,000 | $8,200 | $30 |
| Complete Gold Ambetter Health · HMO | $428 | $547 | $1,163 | $1,450 | $7,500 | $15 |
| Gold Classic Standard Oscar Insurance Company · EPO | $428 | $548 | $1,163 | $2,000 | $8,200 | $30 |
| Everyday Gold + Vision + Adult Dental Ambetter Health · HMO | $431 | $551 | $1,170 | $800 | $7,250 | $35 |
| Complete Gold + Vision + Adult Dental Ambetter Health · HMO | $447 | $571 | $1,212 | $1,450 | $7,500 | $15 |
| Gold Elite Oscar Insurance Company · EPO | $463 | $591 | $1,256 | $550 | $6,000 | $25 |
| Inspire by Medica Gold $0 Copay PCP Visits Medica · EPO | $503 | $643 | $1,366 | $1,500 | $8,800 | No Charge |
| Inspire by Medica Gold Share Medica · EPO | $518 | $662 | $1,407 | $2,500 | $5,900 | $30 |
| Inspire by Medica Gold Standard Medica · EPO | $534 | $683 | $1,449 | $2,000 | $8,200 | $30 |
| Medica Insure Gold Standard Medica · EPO | $692 | $885 | $1,879 | $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 | $297 | $379 | $805 | $10,600 | $10,600 | No Charge after Deductible |
Care quality in Benton 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 Benton County.
Frequently asked questions
How many Marketplace health plans are available in Benton County, IA for 2026?
48 plans from 4 insurers: Ambetter Health, Medica, Oscar Insurance Company, Wellmark Health Plan of Iowa, Inc..
What is the benchmark silver plan premium in Benton County, IA?
For 2026, the second-lowest-cost silver plan costs $490 a month for a 40-year-old before tax credits, up 18% from 2025. Tax credits are calculated from this plan, so most people who qualify pay much less.
What is the cheapest health plan in Benton County, IA?
The lowest bronze premium for a 40-year-old is $352 a month before tax credits. Bronze plans have low premiums but high deductibles.