Best Cheap Health Insurance in Iowa 2019

Find the Cheapest Health Insurance Quotes in Your Area

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People who live in Iowa can find cheap health insurance through their state exchange, but the best plan for you depends on where you live and your needs. We researched all health insurance plans in Iowa and found that in the majority of the state, either the Medica Insure Silver Copay or Inspire by Medica Silver Copay was the cheapest Silver health insurance policy. Although these plans may not be offered in every county, they offered some of the best health insurance premiums and coverage benefits in the parts of Iowa where they're available.

Cheapest Health Insurance Coverage by Metal Tier

We compared Iowa health insurance plans by metal tier and identified the cheapest plan in each category to help you find the best policy for your desired level of coverage. These policies aren't offered in every county, but we recommend using the table below to compare the differences between metal tiers. For instance, the Inspire by Medica Gold Copay Plus policy has a minimum monthly premium of $727 for a 40-year-old. The Gold health plan is $74 more expensive as compared to the Inspire by Medica Silver Copay plan, but the Gold policy offers lower out-of-pocket costs such as deductibles, copays and coinsurance.

Metal tierCheapest planDeductibleOut-of-pocket maximumMonthly cost for 40-year-old
CatastrophicInspire by Medica Catastrophic$7,350$7,350$392.42
BronzeInspire by Medica Bronze HSA$6,000$6,650$529.95
Expanded BronzeInspire by Medica Bronze HSA Plus$2,600$6,650$561.01
SilverInspire by Medica Silver Copay$3,500$7,000$653.28
GoldInspire by Medica Gold Copay Plus$1,000$5,000$726.56

Age and coverage tier are two important factors that affect your monthly premium. As age increases, premiums across all metal tiers increase. For higher-coverage tiers, it means higher rates but lower out-of-pocket costs if you were to use your insurance. For example, a 40-year-old would pay $920 less a month than a 60-year-old for a Gold plan in Iowa. But a 40-year-old with a Silver plan would pay $827 more on average than a 60-year-old.

Average Monthly Cost of Health Insurance Plans by Metal Tier in Iowa

Finding the Best Health Insurance Coverage in Iowa

The best cheap health insurance plans in Iowa change depending on your county and coverage needs. For example, Medica Insure Silver Copay and Inspire by Medica Silver Copay health plans aren't available in Harrison and Pottawattamie counties. In these regions, the Medica with CHI Health Silver Copay plan is the cheapest. No matter where you live, you will be able to choose from different metal tiers that offer varying levels of coverage and rates to fit your lifestyle.

In general, higher metal tier health plans, such as Gold policies, typically have higher monthly premiums. However, they provide lower out-of-pocket expenses, such as deductibles, copays and coinsurance, than Silver or Bronze policies. This means if you have high recurring medical costs that arise from chronic conditions or require regular medical attention, a higher metal tier health plan may be the best option for you. On the other hand, a lower metal tier policy may be the best option if you're young and healthy—and are willing to risk higher potential cost sharing in exchange for lower monthly rates.

Gold Plans: Best for High Expected Medical Costs

Gold health insurance plans are typically the best for those who expect to use their insurance often. These cover the most out-of-pocket costs, which means lower deductibles, copays and coinsurance. However, this usually means you'll pay a higher monthly premium than Silver (11% higher on average) and Bronze (34% higher on average) plans. Ultimately, these health plans are best if you have recurring or high expected medical costs, such as prescriptions or medical equipment, or you're concerned about paying out of pocket for an unexpected condition. On average, you can expect a Gold plan to cover roughly 80% of your health care expenses, while you pay the other 20%.

Silver Plans: Best for People With Low Income or Average Medical Costs

Silver policies give you the option of a middle ground between Gold and Bronze health insurance plans. Silver plans offer monthly premiums that fall between Gold and Bronze plans, but that means your out-of-pocket costs, like deductibles, copays and coinsurance, also fall in between both. If you are part of a lower-income household, you may qualify for cost-sharing reduction (CSR) subsidies with a Silver health plan, which would further lower your out-of-pocket expenses. Typical Silver plans cover about 70% of your health care costs while you pay 30%. But under CSR subsidies, you could qualify for a Silver plan that covers up to 94% of your health care costs.

Bronze and Catastrophic Plans: Best for Young, Healthy People

Catastrophic plans provide the least coverage, but they also have the lowest monthly rates. In order to qualify for a Catastrophic policy, you must be under 30 years old or qualify for an exemption. Bronze plans, on the other hand, are open to everyone and offer cheaper monthly premiums than higher metal tier plans. The lower rates mean reduced coverage, which translates to higher out-of-pocket costs. So, if you need medical care during the year, you would have to pay more yourself before coverage kicks in. Lastly, a tier between Silver and Bronze was introduced this year. This Expanded Bronze tier extends the coverage of a typical Bronze plan, which usually covers about 60% of your health care costs, to cover up to about 65% of your medical costs.

Best Cheap Health Insurance Companies in Iowa

Despite the wide range of policies available, Iowa only has one insurer on its health insurance marketplace—Medica Insurance Company. Although Iowa has one of the highest percentage of residents with health insurance coverage, it is one of nine states to only have one insurer on the state exchange. This will change when Wellmark joins the Iowa health insurance marketplace next year.

Cheapest Health Insurance Plan by County

We evaluated the most affordable Silver health insurance plans that are available through the Iowa exchange by county to help you find the best-priced health insurance in your location. Below, you can find the policy with the cheapest monthly premium as well as sample rates for an individual, couple and family of three in your county.

CountyCheapest Silver planSingle adult, age 40Couple, age 40Couple, age 40, and child
AdairMedica Insure Silver Copay$778$1,557$2,022
AdamsMedica Insure Silver Copay$778$1,557$2,022
AllamakeeMedica Insure Silver Copay$757$1,514$1,967
AppanooseMedica Insure Silver Copay$761$1,522$1,977
AudubonMedica Insure Silver Copay$778$1,557$2,022
BentonInspire by Medica Silver Copay$702$1,405$1,825
Black HawkInspire by Medica Silver Copay$702$1,405$1,825
BooneInspire by Medica Silver Copay$673$1,346$1,749
BremerInspire by Medica Silver Copay$681$1,363$1,770
BuchananInspire by Medica Silver Copay$702$1,405$1,825
Buena VistaMedica Insure Silver Copay$726$1,452$1,886
ButlerInspire by Medica Silver Copay$681$1,363$1,770
CalhounMedica Insure Silver Copay$748$1,496$1,944
CarrollMedica Insure Silver Copay$748$1,496$1,944
CassMedica Insure Silver Copay$778$1,557$2,022
CedarInspire by Medica Silver Copay$702$1,405$1,825
Cerro GordoMedica Insure Silver Copay$757$1,514$1,967
CherokeeMedica Insure Silver Copay$726$1,452$1,886
ChickasawMedica Insure Silver Copay$757$1,514$1,967
ClarkeMedica Insure Silver Copay$778$1,557$2,022
ClayMedica Insure Silver Copay$726$1,452$1,886
ClaytonInspire by Medica Silver Copay$702$1,405$1,825
ClintonMedica Insure Silver Copay$781$1,561$2,028
CrawfordMedica Insure Silver Copay$726$1,452$1,886
DallasInspire by Medica Silver Copay$656$1,312$1,705
DavisMedica Insure Silver Copay$761$1,522$1,977
DecaturMedica Insure Silver Copay$778$1,557$2,022
DelawareInspire by Medica Silver Copay$702$1,405$1,825
Des MoinesMedica Insure Silver Copay$761$1,522$1,977
DickinsonMedica Insure Silver Copay$726$1,452$1,886
DubuqueInspire by Medica Silver Copay$702$1,405$1,825
EmmetMedica Insure Silver Copay$757$1,514$1,967
FayetteInspire by Medica Silver Copay$681$1,363$1,770
FloydMedica Insure Silver Copay$757$1,514$1,967
FranklinMedica Insure Silver Copay$757$1,514$1,967
FremontMedica Insure Silver Copay$778$1,557$2,022
GreeneInspire by Medica Silver Copay$673$1,346$1,749
GrundyInspire by Medica Silver Copay$673$1,346$1,749
GuthrieMedica Insure Silver Copay$778$1,557$2,022
HamiltonMedica Insure Silver Copay$748$1,496$1,944
HancockMedica Insure Silver Copay$757$1,514$1,967
HardinMedica Insure Silver Copay$748$1,496$1,944
HarrisonMedica with CHI Health Silver Copay$700$1,401$1,820
HenryMedica Insure Silver Copay$761$1,522$1,977
HowardMedica Insure Silver Copay$757$1,514$1,967
HumboldtMedica Insure Silver Copay$757$1,514$1,967
IdaMedica Insure Silver Copay$726$1,452$1,886
IowaInspire by Medica Silver Copay$702$1,405$1,825
JacksonInspire by Medica Silver Copay$702$1,405$1,825
JasperMedica Insure Silver Copay$729$1,458$1,894
JeffersonMedica Insure Silver Copay$761$1,522$1,977
JohnsonMedica Insure Silver Copay$781$1,561$2,028
JonesInspire by Medica Silver Copay$702$1,405$1,825
KeokukMedica Insure Silver Copay$761$1,522$1,977
KossuthMedica Insure Silver Copay$757$1,514$1,967
LeeMedica Insure Silver Copay$761$1,522$1,977
LinnInspire by Medica Silver Copay$702$1,405$1,825
LouisaMedica Insure Silver Copay$761$1,522$1,977
LucasMedica Insure Silver Copay$761$1,522$1,977
LyonMedica Insure Silver Copay$726$1,452$1,886
MadisonMedica Insure Silver Copay$729$1,458$1,894
MahaskaMedica Insure Silver Copay$761$1,522$1,977
MarionMedica Insure Silver Copay$729$1,458$1,894
MarshallInspire by Medica Silver Copay$673$1,346$1,749
MillsMedica Insure Silver Copay$778$1,557$2,022
MitchellMedica Insure Silver Copay$757$1,514$1,967
MononaMedica Insure Silver Copay$726$1,452$1,886
MonroeMedica Insure Silver Copay$761$1,522$1,977
MontgomeryMedica Insure Silver Copay$778$1,557$2,022
MuscatineInspire by Medica Silver Copay$685$1,369$1,779
ObrienMedica Insure Silver Copay$726$1,452$1,886
OsceolaMedica Insure Silver Copay$726$1,452$1,886
PageMedica Insure Silver Copay$778$1,557$2,022
Palo AltoMedica Insure Silver Copay$726$1,452$1,886
PlymouthMedica Insure Silver Copay$726$1,452$1,886
PocahontasMedica Insure Silver Copay$726$1,452$1,886
PolkInspire by Medica Silver Copay$656$1,312$1,705
PottawattamieMedica with CHI Health Silver Copay$700$1,401$1,820
PoweshiekMedica Insure Silver Copay$748$1,496$1,944
RinggoldMedica Insure Silver Copay$778$1,557$2,022
SacMedica Insure Silver Copay$726$1,452$1,886
ScottInspire by Medica Silver Copay$702$1,405$1,825
ShelbyMedica Insure Silver Copay$778$1,557$2,022
SiouxMedica Insure Silver Copay$726$1,452$1,886
StoryMedica Insure Silver Copay$748$1,496$1,944
TamaInspire by Medica Silver Copay$673$1,346$1,749
TaylorMedica Insure Silver Copay$778$1,557$2,022
UnionMedica Insure Silver Copay$778$1,557$2,022
Van BurenMedica Insure Silver Copay$761$1,522$1,977
WapelloMedica Insure Silver Copay$761$1,522$1,977
WarrenInspire by Medica Silver Copay$656$1,312$1,705
WashingtonMedica Insure Silver Copay$761$1,522$1,977
WayneMedica Insure Silver Copay$761$1,522$1,977
WebsterMedica Insure Silver Copay$748$1,496$1,944
WinnebagoMedica Insure Silver Copay$757$1,514$1,967
WinneshiekMedica Insure Silver Copay$757$1,514$1,967
WoodburyInspire by Medica Silver Copay$653$1,307$1,698
WorthMedica Insure Silver Copay$757$1,514$1,967
WrightMedica Insure Silver Copay$757$1,514$1,967

Average Cost of Health Insurance by Family Size in Iowa

If you're looking for health insurance for your family, the size of your family and their ages will affect the cost of your policy. For children under the age of 15, the monthly rate remains flat, but once a child turns 15 years old, the monthly health plan premium will start increasing.

For example, the average cost of health insurance for a family of three, assuming two 40-year-old parents and a child, is $1,912 in Iowa with a Silver plan. For each additional child, the average cost of a Silver health plan increases by $441, so a family of four would cost an average of $2,353 per month for health coverage.

Family sizeAverage monthly cost of health plan
Single adult$736
Adult couple$1,472
Family of three (adult couple and a child)$1,912
Family of four (adult couple and two children)$2,353
Family of five (adult couple and three children)$2,794
Adults are assumed to be 40 years old. Sample rates are based on the average cost for a Silver plan in Iowa.

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Editorial Note: The editorial content on this page is not provided or commissioned by any financial institution. Any opinions, analyses, reviews, statements or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by any of these entities prior to publication.