Short answer: Iowa uses HealthCare.gov. For 2027, 5 insurers sell marketplace plans across its 99 counties; every 2027 marketplace plan in Iowa is an EPO or an HMO, so routine care is covered inside the plan’s network only. The cheapest Silver plan for a 40-year-old runs from $471 a month (Dallas County) to $604 (O'Brien County) before any tax credit, and the cheapest Gold costs less than the cheapest Silver in 77 of 99 counties. Open Enrollment for 2027 coverage runs November 1, 2026 to January 15, 2027; pick a plan by December 15 for a January 1 start.
- 5insurers selling Iowa marketplace plans for 2027
- $536a month: the typical county’s cheapest 2027 Silver plan for a 40-year-old
- 0 of 99counties with a marketplace PPO plan for 2027
- 77 of 99counties where the cheapest Gold beats the cheapest Silver
Who Sells Marketplace Plans in Iowa for 2027
Wellmark (all 99 counties), Oscar (78), Ambetter (73), UnitedHealthcare (17) and Avera Health Plans (7).
Lowest 2027 Prices by Metro
| Area | Bronze | Silver | Gold | Silver deductible |
|---|---|---|---|---|
| Des Moines (Polk County) | $356 | $471 | $465 | $4,700 |
| Cedar Rapids (Linn County) | $360 | $493 | $471 | $5,700 |
| Davenport (Scott County) | $360 | $493 | $471 | $5,700 |
| Iowa City (Johnson County) | $361 | $536 | $519 | $5,000 |
| Waterloo (Black Hawk County) | $360 | $493 | $471 | $5,700 |
Lowest monthly price in each metal tier for a 40-year-old, before any tax credit, from the CMS plan year 2027 landscape file. The deductible is the cheapest Silver plan’s.
Every Iowa County
| County | Rating area | Insurers | Plans | Lowest Silver, age 40 | Lowest Bronze, age 40 |
|---|---|---|---|---|---|
| Adair | 4 | 4 | 55 | $535 | $407 |
| Adams | 4 | 3 | 31 | $604 | $407 |
| Allamakee | 7 | 2 | 24 | $556 | $391 |
| Appanoose | 5 | 3 | 33 | $536 | $361 |
| Audubon | 4 | 4 | 48 | $600 | $407 |
| Benton | 6 | 3 | 36 | $493 | $360 |
| Black Hawk | 6 | 3 | 43 | $493 | $360 |
| Boone | 1 | 3 | 36 | $476 | $366 |
| Bremer | 7 | 2 | 19 | $534 | $390 |
| Buchanan | 6 | 3 | 36 | $493 | $360 |
| Buena Vista | 3 | 3 | 33 | $525 | $407 |
| Butler | 7 | 3 | 43 | $509 | $390 |
| Calhoun | 1 | 2 | 16 | $545 | $367 |
| Carroll | 1 | 2 | 16 | $545 | $367 |
| Cass | 4 | 4 | 48 | $600 | $407 |
| Cedar | 6 | 3 | 36 | $493 | $360 |
| Cerro Gordo | 7 | 3 | 40 | $509 | $391 |
| Cherokee | 3 | 3 | 33 | $525 | $407 |
| Chickasaw | 7 | 3 | 33 | $556 | $391 |
| Clarke | 4 | 3 | 31 | $604 | $407 |
| Clay | 3 | 3 | 34 | $525 | $407 |
| Clayton | 6 | 3 | 33 | $536 | $361 |
| Clinton | 6 | 3 | 40 | $495 | $361 |
| Crawford | 3 | 2 | 24 | $525 | $407 |
| Dallas | 2 | 3 | 43 | $471 | $356 |
| Davis | 5 | 2 | 24 | $536 | $361 |
| Decatur | 4 | 4 | 48 | $600 | $407 |
| Delaware | 6 | 3 | 36 | $493 | $360 |
| Des Moines | 5 | 2 | 24 | $536 | $361 |
| Dickinson | 3 | 3 | 34 | $525 | $407 |
| Dubuque | 6 | 2 | 26 | $493 | $360 |
| Emmet | 7 | 2 | 17 | $581 | $391 |
| Fayette | 7 | 3 | 40 | $509 | $391 |
| Floyd | 7 | 3 | 33 | $556 | $391 |
| Franklin | 7 | 3 | 40 | $509 | $391 |
| Fremont | 4 | 3 | 39 | $600 | $407 |
| Greene | 1 | 2 | 16 | $545 | $367 |
| Grundy | 1 | 2 | 19 | $501 | $366 |
| Guthrie | 4 | 3 | 31 | $604 | $407 |
| Hamilton | 1 | 3 | 40 | $476 | $367 |
| Hancock | 7 | 3 | 40 | $509 | $391 |
| Hardin | 1 | 3 | 40 | $476 | $367 |
| Harrison | 4 | 3 | 31 | $604 | $407 |
| Henry | 5 | 2 | 24 | $536 | $361 |
| Howard | 7 | 3 | 33 | $556 | $391 |
| Humboldt | 7 | 2 | 16 | $581 | $391 |
| Ida | 3 | 3 | 33 | $525 | $407 |
| Iowa | 6 | 2 | 16 | $536 | $361 |
| Jackson | 6 | 3 | 43 | $493 | $360 |
| Jasper | 2 | 3 | 43 | $471 | $356 |
| Jefferson | 5 | 3 | 33 | $536 | $361 |
| Johnson | 6 | 3 | 33 | $536 | $361 |
| Jones | 6 | 2 | 19 | $493 | $360 |
| Keokuk | 5 | 3 | 33 | $536 | $361 |
| Kossuth | 7 | 3 | 40 | $509 | $391 |
| Lee | 5 | 2 | 24 | $536 | $361 |
| Linn | 6 | 3 | 36 | $493 | $360 |
| Louisa | 5 | 2 | 24 | $536 | $361 |
| Lucas | 5 | 2 | 16 | $536 | $361 |
| Lyon | 3 | 2 | 17 | $604 | $407 |
| Madison | 2 | 3 | 40 | $471 | $357 |
| Mahaska | 5 | 3 | 33 | $536 | $361 |
| Marion | 2 | 3 | 40 | $471 | $357 |
| Marshall | 1 | 2 | 19 | $501 | $366 |
| Mills | 4 | 4 | 48 | $600 | $407 |
| Mitchell | 7 | 3 | 40 | $509 | $391 |
| Monona | 3 | 3 | 33 | $525 | $407 |
| Monroe | 5 | 3 | 40 | $536 | $361 |
| Montgomery | 4 | 4 | 48 | $600 | $407 |
| Muscatine | 5 | 1 | 10 | $493 | $360 |
| O'Brien | 3 | 2 | 17 | $604 | $407 |
| Osceola | 3 | 3 | 34 | $525 | $407 |
| Page | 4 | 3 | 39 | $600 | $407 |
| Palo Alto | 3 | 3 | 33 | $525 | $407 |
| Plymouth | 3 | 2 | 16 | $595 | $407 |
| Pocahontas | 3 | 2 | 24 | $525 | $407 |
| Polk | 2 | 3 | 43 | $471 | $356 |
| Pottawattamie | 4 | 4 | 48 | $600 | $407 |
| Poweshiek | 1 | 2 | 19 | $501 | $366 |
| Ringgold | 4 | 4 | 48 | $600 | $407 |
| Sac | 3 | 2 | 16 | $595 | $407 |
| Scott | 6 | 3 | 43 | $493 | $360 |
| Shelby | 4 | 4 | 48 | $600 | $407 |
| Sioux | 3 | 4 | 43 | $525 | $407 |
| Story | 1 | 2 | 16 | $545 | $367 |
| Tama | 1 | 3 | 43 | $476 | $366 |
| Taylor | 4 | 3 | 39 | $600 | $407 |
| Union | 4 | 4 | 48 | $600 | $407 |
| Van Buren | 5 | 3 | 33 | $536 | $361 |
| Wapello | 5 | 3 | 33 | $536 | $361 |
| Warren | 2 | 3 | 43 | $471 | $356 |
| Washington | 5 | 2 | 24 | $536 | $361 |
| Wayne | 5 | 3 | 33 | $536 | $361 |
| Webster | 1 | 1 | 7 | $545 | $367 |
| Winnebago | 7 | 3 | 40 | $509 | $391 |
| Winneshiek | 7 | 2 | 24 | $556 | $391 |
| Woodbury | 3 | 2 | 19 | $555 | $405 |
| Worth | 7 | 3 | 40 | $509 | $391 |
| Wright | 7 | 2 | 16 | $581 | $391 |
Open Enrollment 2027 in Iowa
Iowa sells its plans through HealthCare.gov. Open Enrollment for 2027 coverage runs November 1, 2026 to January 15, 2027; a plan picked by December 15 starts January 1. Outside those dates, a qualifying event such as a move into Iowa, losing other coverage, marriage or a new child opens a 60-day window.
The 2027 Tax-Credit Line in Iowa
For 2027 coverage the premium tax credit stops at 400% of the poverty line: $63,840 of income for one person, $132,000 for a family of four. Below it the benchmark Silver plan costs no more than 10.22% of income; above it the prices in the tables are the prices. Gold costing less than Silver in 77 of 99 counties is the marketplace’s silver-loading at work: insurers price Silver for the cost-sharing help it carries, so a full-price buyer should look at Gold first, and a Bronze plan is HSA-qualified since 2026 (IRS Notice 2026-05).
Self-Employed and S Corp Owners in Iowa
Premiums paid for yourself are deductible: the self-employed health insurance deduction in Iowa and the S-corp health insurance deduction in Iowa walk through the federal rules, the Iowa tax treatment and 2027 prices, with a calculator.
Moving to Iowa
A plan from another state does not move with you; a new Iowa address opens a 60-day window. Moving to Iowa: health insurance after the move has the dates, the marketplace and where Iowa’s newcomers come from.
Common Questions
How many insurers sell marketplace health insurance in Iowa for 2027?
5, by brand: Wellmark, Oscar, Ambetter, UnitedHealthcare and Avera Health Plans.
Are there PPO plans on the Iowa marketplace for 2027?
No. Every 2027 marketplace plan in Iowa is an EPO or an HMO; routine care outside the network is not covered, emergencies are covered anywhere.
What does the cheapest Silver plan cost in Iowa?
For a 40-year-old before any tax credit, from $471 a month in Dallas County to $604 in O’Brien County for 2027; the typical county is $536.
When is Open Enrollment for 2027 coverage in Iowa?
November 1, 2026 to January 15, 2027 on HealthCare.gov. Pick a plan by December 15, 2026 for coverage that starts January 1, 2027.