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Marketplace health plans in Emmet County, IA — 2026
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 2026, Emmet County, Iowa has 28 Marketplace health plans from 3 insurers: 9 bronze, 9 silver, 9 gold, 1 catastrophic. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $579.05 per month; the lowest bronze premium is $387.84.
What changed vs 2025
- Benchmark silver premium up $74.82 a month (+14.8%) from 2025
- 12 more plans than 2025
- Insurers entered: Avera Health Plans
- Lowest bronze premium up $49.63 a month
Market snapshot
- Residents under 65
- 7,032
- Insurers
- 3
- Plans by metal level
- 9 bronze, 9 silver, 9 gold, 1 catastrophic
- Benchmark silver premium, age 40, before subsidies
- $579.05/mo
- Lowest bronze premium, age 40, before subsidies
- $387.84/mo
- Lowest gold premium, age 40, before subsidies
- $531.41/mo
- Lowest silver deductible
- $0
- Lowest out-of-pocket maximum
- $5,900
Insurers in the county
- Avera Health Plans — 12 plans (Catastrophic, Bronze, Silver, Gold)
- Medica — 9 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 |
|---|
| Catastrophic | ConnectPlus $10,600 HSA Eligible HDHP (74980IA0020032) | Avera Health Plans | PPO | $358.64 | $10,600 | $10,600 | 1 |
|---|
| Bronze | Wellmark Bronze Traditional HMO (25896IA0370005) | Wellmark Health Plan of Iowa, Inc. | HMO | $387.84 | $7,200 | $9,900 | 9 |
|---|
| Silver | ConnectPlus Standard $6000 (74980IA0020026) | Avera Health Plans | PPO | $566.96 | $6,000 | $8,900 | 9 |
|---|
| Gold | Wellmark Gold Traditional HMO (25896IA0370006) | Wellmark Health Plan of Iowa, Inc. | HMO | $531.41 | $1,750 | $7,500 | 9 |
|---|
One plan per metal level shown, of 28 plans in the county.
Benchmark silver premium by age
The benchmark plan (Avera Health Plans) at each age, individual, non-tobacco, before any premium tax credit.
| Age 21 | Age 27 | Age 30 | Age 40 | Age 50 | Age 60 |
|---|
| $453.10 | $474.84 | $514.25 | $579.05 | $809.22 | $1,229.69 |
Nearby counties
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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 2026; 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.