2026 plan year · Iowa
2026 health insurance plans in Cerro Gordo County, IA
52 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.
- $485benchmark silver (age 40)
- $362cheapest bronze (age 40)
- 4insurers
- +13%benchmark change vs. 2025
Expanded Bronze plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Bronze Classic Standard | MercyOne Oscar Insurance Company · EPO | $283 | $362 | $768 | $7,500 | $10,000 | $50 |
| Bronze Simple Diabetes | MercyOne Oscar Insurance Company · EPO | $289 | $369 | $784 | $5,500 | $10,150 | $50 |
| Bronze Simple Breathe Easy with Enhanced COPD Benefits | MercyOne Oscar Insurance Company · EPO | $291 | $371 | $789 | $5,500 | $10,150 | $50 |
| Bronze Classic 4700 | MercyOne Oscar Insurance Company · EPO | $292 | $373 | $791 | $4,700 | $9,300 | $70 |
| Bronze Simple Chronic Care CKM | MercyOne Oscar Insurance Company · EPO | $296 | $378 | $803 | $5,500 | $10,150 | $50 |
| Wellmark Bronze Traditional HMO Wellmark Health Plan of Iowa, Inc. · HMO | $303 | $388 | $824 | $7,200 | $9,900 | $75 |
| Bronze Elite + PCP Saver Plus | MercyOne Oscar Insurance Company · EPO | $310 | $396 | $841 | $0 | $10,600 | $50 |
| Wellmark Bronze HDHP HMO HSA Qualified Wellmark Health Plan of Iowa, Inc. · HMO | $310 | $396 | $841 | $8,300 | $8,300 | No Charge after Deductible |
| Wellmark Standard Bronze HMO Wellmark Health Plan of Iowa, Inc. · HMO | $325 | $416 | $883 | $7,500 | $10,000 | $50 |
| Everyday Bronze Ambetter Health · HMO | $330 | $422 | $897 | $8,450 | $10,150 | $40 |
| Standard Expanded Bronze Ambetter Health · HMO | $331 | $423 | $899 | $7,500 | $10,000 | $50 |
| Bronze Classic Standard Oscar Insurance Company · EPO | $336 | $430 | $912 | $7,500 | $10,000 | $50 |
| Everyday Bronze + Vision + Adult Dental Ambetter Health · HMO | $344 | $440 | $935 | $8,450 | $10,150 | $40 |
| Standard Expanded Bronze + Vision + Adult Dental Ambetter Health · HMO | $345 | $441 | $937 | $7,500 | $10,000 | $50 |
| Elite Bronze Ambetter Health · HMO | $383 | $489 | $1,039 | $0 | $10,500 | $60 |
| Elite Bronze + Vision + Adult Dental Ambetter Health · HMO | $399 | $510 | $1,083 | $0 | $10,500 | $60 |
| Medica Insure Bronze Share Medica · EPO | $520 | $664 | $1,411 | $8,000 | $10,600 | $50 |
| Medica Insure Bronze $0 Copay PCP Visits Medica · EPO | $565 | $722 | $1,534 | $7,500 | $10,600 | No Charge |
| Medica Insure Expanded Bronze Standard Medica · EPO | $572 | $731 | $1,553 | $7,500 | $10,000 | $50 |
Silver plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Silver Classic Standard | MercyOne Oscar Insurance Company · EPO | $378 | $484 | $1,027 | $6,000 | $8,900 | $40 |
| Silver Simple PCP Saver | MercyOne Oscar Insurance Company · EPO | $379 | $485 | $1,030 | $5,000 | $8,500 | $25 |
| Silver Simple Breathe Easy with Enhanced COPD Benefits | MercyOne Oscar Insurance Company · EPO | $380 | $486 | $1,032 | $6,200 | $9,600 | No Charge |
| Silver Classic | MercyOne Oscar Insurance Company · EPO | $383 | $490 | $1,040 | $5,000 | $8,000 | $65 |
| Silver Simple Diabetes | MercyOne Oscar Insurance Company · EPO | $386 | $493 | $1,047 | $6,500 | $10,000 | No Charge |
| Silver Simple Chronic Care CKM | MercyOne Oscar Insurance Company · EPO | $389 | $498 | $1,057 | $5,900 | $10,150 | No Charge |
| Silver Simple Women's Health with Menopause Benefits | MercyOne Oscar Insurance Company · EPO | $391 | $500 | $1,061 | $6,000 | $10,150 | No Charge |
| Standard Silver Ambetter Health · HMO | $421 | $538 | $1,143 | $6,000 | $8,900 | $40 |
| Focused Silver Ambetter Health · HMO | $426 | $544 | $1,155 | $6,300 | $8,400 | $40 |
| Standard Silver + Vision + Adult Dental Ambetter Health · HMO | $439 | $561 | $1,191 | $6,000 | $8,900 | $40 |
| Focused Silver + Vision + Adult Dental Ambetter Health · HMO | $444 | $567 | $1,204 | $6,300 | $8,400 | $40 |
| Wellmark Silver Traditional HMO Wellmark Health Plan of Iowa, Inc. · HMO | $454 | $581 | $1,233 | $5,000 | $7,500 | $45 |
| Silver Classic Standard Oscar Insurance Company · EPO | $460 | $587 | $1,247 | $6,000 | $8,900 | $40 |
| Wellmark Standard Silver HMO Wellmark Health Plan of Iowa, Inc. · HMO | $461 | $589 | $1,251 | $6,000 | $8,900 | $40 |
| Medica Insure Silver $0 Copay PCP Visits Medica · EPO | $800 | $1,022 | $2,170 | $3,500 | $10,450 | No Charge |
| Medica Insure Silver Share Medica · EPO | $824 | $1,053 | $2,235 | $3,525 | $8,850 | $30 |
| Medica Insure Silver Standard Medica · EPO | $837 | $1,069 | $2,270 | $6,000 | $8,900 | $40 |
Gold plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Gold Classic Standard | MercyOne Oscar Insurance Company · EPO | $364 | $466 | $989 | $2,000 | $8,200 | $30 |
| Gold Elite | MercyOne Oscar Insurance Company · EPO | $387 | $494 | $1,049 | $550 | $6,000 | $25 |
| Wellmark Gold Traditional HMO Wellmark Health Plan of Iowa, Inc. · HMO | $416 | $531 | $1,129 | $1,750 | $7,500 | $15 |
| Wellmark Standard Gold HMO Wellmark Health Plan of Iowa, Inc. · HMO | $423 | $541 | $1,149 | $2,000 | $8,200 | $30 |
| Gold Classic Standard Oscar Insurance Company · EPO | $435 | $556 | $1,181 | $2,000 | $8,200 | $30 |
| Standard Gold Ambetter Health · HMO | $450 | $575 | $1,222 | $2,000 | $8,200 | $30 |
| Everyday Gold Ambetter Health · HMO | $457 | $585 | $1,241 | $800 | $7,250 | $35 |
| Standard Gold + Vision + Adult Dental Ambetter Health · HMO | $469 | $600 | $1,274 | $2,000 | $8,200 | $30 |
| Complete Gold Ambetter Health · HMO | $474 | $606 | $1,286 | $1,450 | $7,500 | $15 |
| Everyday Gold + Vision + Adult Dental Ambetter Health · HMO | $477 | $609 | $1,294 | $800 | $7,250 | $35 |
| Complete Gold + Vision + Adult Dental Ambetter Health · HMO | $494 | $631 | $1,341 | $1,450 | $7,500 | $15 |
| Medica Insure Gold $0 Copay PCP Visits Medica · EPO | $787 | $1,006 | $2,136 | $1,500 | $8,800 | No Charge |
| Medica Insure Gold Share Medica · EPO | $810 | $1,036 | $2,200 | $2,500 | $5,900 | $30 |
| Medica Insure Gold Standard Medica · EPO | $835 | $1,067 | $2,266 | $2,000 | $8,200 | $30 |
Catastrophic plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Secure | MercyOne Oscar Insurance Company · EPO | $252 | $322 | $683 | $10,600 | $10,600 | No Charge after Deductible |
| Secure Oscar Insurance Company · EPO | $301 | $385 | $817 | $10,600 | $10,600 | No Charge after Deductible |
Care quality in Cerro Gordo 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 Cerro Gordo County.
Frequently asked questions
How many Marketplace health plans are available in Cerro Gordo County, IA for 2026?
52 plans from 4 insurers: Ambetter Health, Medica, Oscar Insurance Company, Wellmark Health Plan of Iowa, Inc..
What is the benchmark silver plan premium in Cerro Gordo County, IA?
For 2026, the second-lowest-cost silver plan costs $485 a month for a 40-year-old before tax credits, up 13% from 2025. Tax credits are calculated from this plan, so most people who qualify pay much less.
What is the cheapest health plan in Cerro Gordo County, IA?
The lowest bronze premium for a 40-year-old is $362 a month before tax credits. Bronze plans have low premiums but high deductibles.