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Marketplace health plans in Clay County, IA — 2027
What agents look up before working a county's individual market: plans by metal level, insurers, the benchmark silver premium, the lowest bronze premium, deductible and out-of-pocket floors, the population under 65, and what changed since last year.
In 2027, Clay County, Iowa has 34 Marketplace health plans from 3 insurers: 12 bronze, 11 silver, 11 gold. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $537.28 per month; the lowest bronze premium is $406.60.
What changed vs 2026
- Benchmark silver premium down $33.60 a month (−5.9%) from 2026
- 6 more plans than 2026
- Insurers entered: Ambetter Health
- Insurers exited: Medica
- Lowest bronze premium down $2.22 a month
Market snapshot
- Residents under 65
- 12,775
- Insurers
- 3
- Plans by metal level
- 12 bronze, 11 silver, 11 gold
- Benchmark silver premium, age 40, before subsidies
- $537.28/mo
- Lowest bronze premium, age 40, before subsidies
- $406.60/mo
- Lowest gold premium, age 40, before subsidies
- $582.56/mo
- Lowest silver deductible
- $0
- Lowest out-of-pocket maximum
- $7,250
Insurers in the county
- Ambetter Health — 17 plans (Bronze, Silver, Gold)
- Avera Health Plans — 10 plans (Bronze, Silver, Gold)
- Wellmark Health Plan of Iowa, Inc. — 7 plans (Bronze, Silver, Gold)
Lowest age-40 premium per metal level, before subsidies
| Metal level | Plan | Insurer | Plan type | Monthly premium, age 40 | Deductible | Out-of-pocket maximum | Plans at this level |
|---|---|---|---|---|---|---|---|
| Bronze | Wellmark Bronze Traditional HMO (25896IA0370005) | Wellmark Health Plan of Iowa, Inc. | HMO | $406.60 | $7,200 | $11,500 | 12 |
| Silver | Streamlined Silver (48286IA0010025) | Ambetter Health | HMO | $524.54 | $4,700 | $11,300 | 11 |
| Gold | Signature Gold (48286IA0010017) | Ambetter Health | HMO | $582.56 | $2,500 | $8,600 | 11 |
One plan per metal level shown, of 34 plans in the county.
Benchmark silver premium by age
The benchmark plan (Ambetter Health) at each age, individual, non-tobacco, before any premium tax credit.
| Age 21 | Age 27 | Age 30 | Age 40 | Age 50 | Age 60 |
|---|---|---|---|---|---|
| $420.42 | $440.59 | $477.16 | $537.28 | $750.85 | $1,140.99 |
Nearby counties
Agent Tools
Free tools for licensed agents working Clay County.
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Free tools for licensed insurance agents. Data from CMS public files; verify with plan documents before advising a client.
About this data
Premiums are individual, non-tobacco, age 40, before any premium tax credit, from the CMS QHP Landscape Individual Market Medical file for plan year 2027; population: U.S. Census Bureau ACS 5-year 2024.
This page summarizes publicly available CMS data. It does not recommend plans and is not an application. To check subsidy eligibility and enroll, use HealthCare.gov or talk to a licensed agent. HealthCare.gov plan preview.