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Marketplace health plans in Franklin 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, Franklin County, Iowa has 40 Marketplace health plans from 3 insurers: 16 bronze, 11 silver, 13 gold. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $556.24 per month; the lowest bronze premium is $390.78.
What changed vs 2026
- Benchmark silver premium up $71.43 a month (+14.7%) from 2026
- 12 fewer plans than 2026
- Insurers exited: Medica
- Lowest bronze premium up $28.91 a month
Market snapshot
- Residents under 65
- 7,809
- Insurers
- 3
- Plans by metal level
- 16 bronze, 11 silver, 13 gold
- Benchmark silver premium, age 40, before subsidies
- $556.24/mo
- Lowest bronze premium, age 40, before subsidies
- $390.78/mo
- Lowest gold premium, age 40, before subsidies
- $495.09/mo
- Lowest silver deductible
- $4,700
- Lowest out-of-pocket maximum
- $7,250
Insurers in the county
- Ambetter Health — 17 plans (Bronze, Silver, Gold)
- Oscar Insurance Company — 16 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 | Bronze Classic Standard | MercyOne (45819IA0010050) | Oscar Insurance Company | EPO | $390.78 | $7,500 | $12,000 | 16 |
| Silver | Silver Simple PCP Saver | MercyOne (45819IA0010025) | Oscar Insurance Company | EPO | $508.79 | $5,750 | $10,000 | 11 |
| Gold | Gold Classic Standard | MercyOne (45819IA0010053) | Oscar Insurance Company | EPO | $495.09 | $2,500 | $8,600 | 13 |
One plan per metal level shown, of 40 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 |
|---|---|---|---|---|---|
| $435.26 | $456.14 | $494 | $556.24 | $777.35 | $1,181.26 |
Nearby counties
Agent Tools
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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.