2026 plan year · Iowa
2026 health insurance plans in Humboldt County, IA
26 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.
- $587benchmark silver (age 40)
- $388cheapest bronze (age 40)
- 3insurers
- +24.1%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 | $303 | $388 | $824 | $7,200 | $9,900 | $75 |
| 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 |
| Bronze Classic Standard Oscar Insurance Company · EPO | $336 | $430 | $912 | $7,500 | $10,000 | $50 |
| Bronze Classic 4700 Oscar Insurance Company · EPO | $347 | $443 | $940 | $4,700 | $9,300 | $70 |
| Bronze Elite + PCP Saver Plus Oscar Insurance Company · EPO | $369 | $471 | $1,000 | $0 | $10,600 | $50 |
| 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 |
|---|---|---|---|---|---|---|
| Wellmark Silver Traditional HMO Wellmark Health Plan of Iowa, Inc. · HMO | $454 | $581 | $1,233 | $5,000 | $7,500 | $45 |
| Silver Simple PCP Saver Oscar Insurance Company · EPO | $459 | $587 | $1,246 | $5,000 | $8,500 | $25 |
| 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 |
| Silver Classic Oscar Insurance Company · EPO | $466 | $595 | $1,264 | $5,000 | $8,000 | $65 |
| Silver Simple Diabetes Oscar Insurance Company · EPO | $469 | $599 | $1,273 | $6,500 | $10,000 | No Charge |
| 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 |
|---|---|---|---|---|---|---|
| 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 |
| Gold Elite Oscar Insurance Company · EPO | $470 | $601 | $1,275 | $550 | $6,000 | $25 |
| 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 Oscar Insurance Company · EPO | $301 | $385 | $817 | $10,600 | $10,600 | No Charge after Deductible |
Care quality in Humboldt 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 Humboldt County.
Frequently asked questions
How many Marketplace health plans are available in Humboldt County, IA for 2026?
26 plans from 3 insurers: Medica, Oscar Insurance Company, Wellmark Health Plan of Iowa, Inc..
What is the benchmark silver plan premium in Humboldt County, IA?
For 2026, the second-lowest-cost silver plan costs $587 a month for a 40-year-old before tax credits, up 24.1% from 2025. Tax credits are calculated from this plan, so most people who qualify pay much less.
What is the cheapest health plan in Humboldt County, IA?
The lowest bronze premium for a 40-year-old is $388 a month before tax credits. Bronze plans have low premiums but high deductibles.