2026 plan year · Iowa
2026 health insurance plans in Clay County, IA
28 Marketplace plans from 3 insurers. Premiums below are full monthly prices before tax credits. Use the age columns to see how price changes with age.
- $571benchmark silver (age 40)
- $409cheapest bronze (age 40)
- 3insurers
- +7.4%benchmark change vs. 2025
Insurer changes from 2025
- New here: Avera Health Plans.
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 |
| ConnectPlus Standard $7500 HSA Eligible HDHP Avera Health Plans · PPO | $326 | $417 | $886 | $7,500 | $10,000 | $50 |
| Wellmark Bronze HDHP HMO HSA Qualified Wellmark Health Plan of Iowa, Inc. · HMO | $327 | $417 | $886 | $8,300 | $8,300 | No Charge after Deductible |
| ConnectPlus $6500 HSA Eligible HDHP Avera Health Plans · PPO | $338 | $432 | $918 | $6,500 | $10,600 | $60 |
| Wellmark Standard Bronze HMO Wellmark Health Plan of Iowa, Inc. · HMO | $343 | $438 | $931 | $7,500 | $10,000 | $50 |
| ConnectPlus $7500 HSA Eligible HDHP Avera Health Plans · PPO | $355 | $454 | $964 | $7,500 | $7,500 | No Charge after Deductible |
| Medica Insure Bronze Share Medica · EPO | $451 | $576 | $1,223 | $8,000 | $10,600 | $50 |
| Medica Insure Bronze $0 Copay PCP Visits Medica · EPO | $490 | $626 | $1,330 | $7,500 | $10,600 | No Charge |
| Medica Insure Expanded Bronze Standard Medica · EPO | $496 | $634 | $1,346 | $7,500 | $10,000 | $50 |
Silver plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| ConnectPlus Standard $6000 Avera Health Plans · PPO | $437 | $559 | $1,187 | $6,000 | $8,900 | $40 |
| ConnectPlus $4500 Avera Health Plans · PPO | $447 | $571 | $1,212 | $4,500 | $10,600 | $45 |
| ConnectPlus MyWeighForward $6000 Avera Health Plans · PPO | $450 | $575 | $1,221 | $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 |
| Wellmark Standard Silver HMO Wellmark Health Plan of Iowa, Inc. · HMO | $486 | $621 | $1,319 | $6,000 | $8,900 | $40 |
| ConnectPlus $0 Silver Avera Health Plans · PPO | $493 | $630 | $1,337 | $0 | $10,600 | $50 |
| Medica Insure Silver $0 Copay PCP Visits Medica · EPO | $693 | $886 | $1,881 | $3,500 | $10,450 | No Charge |
| Medica Insure Silver Share Medica · EPO | $714 | $912 | $1,937 | $3,525 | $8,850 | $30 |
| Medica Insure Silver Standard Medica · EPO | $725 | $927 | $1,968 | $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 |
| ConnectPlus $1800 Avera Health Plans · PPO | $454 | $581 | $1,233 | $1,800 | $9,000 | $25 |
| ConnectPlus Standard $2000 Avera Health Plans · PPO | $462 | $590 | $1,253 | $2,000 | $8,200 | $30 |
| ConnectPlus MyWeighForward $2000 Avera Health Plans · PPO | $475 | $607 | $1,289 | $2,000 | $8,200 | $30 |
| ConnectPlus $0 Gold Avera Health Plans · PPO | $479 | $612 | $1,299 | $0 | $8,500 | $20 |
| Medica Insure Gold $0 Copay PCP Visits Medica · EPO | $682 | $872 | $1,851 | $1,500 | $8,800 | No Charge |
| Medica Insure Gold Share Medica · EPO | $702 | $898 | $1,906 | $2,500 | $5,900 | $30 |
| Medica Insure Gold Standard Medica · EPO | $724 | $925 | $1,964 | $2,000 | $8,200 | $30 |
Catastrophic plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| ConnectPlus $10,600 HSA Eligible HDHP Avera Health Plans · PPO | $277 | $354 | $751 | $10,600 | $10,600 | No Charge after Deductible |
Care quality in Clay 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 Clay County.
Frequently asked questions
How many Marketplace health plans are available in Clay County, IA for 2026?
28 plans from 3 insurers: Avera Health Plans, Medica, Wellmark Health Plan of Iowa, Inc..
What is the benchmark silver plan premium in Clay County, IA?
For 2026, the second-lowest-cost silver plan costs $571 a month for a 40-year-old before tax credits, up 7.4% from 2025. Tax credits are calculated from this plan, so most people who qualify pay much less.
What is the cheapest health plan in Clay 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.