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Marketplace health plans in Hardin 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, Hardin County, Iowa has 52 Marketplace health plans from 4 insurers: 19 bronze, 17 silver, 14 gold, 2 catastrophic. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $460.90 per month; the lowest bronze premium is $344.91.
What changed vs 2025
- Benchmark silver premium up $74.81 a month (+19.4%) from 2025
- 9 more plans than 2025
- Lowest bronze premium up $53.74 a month
Market snapshot
- Residents under 65
- 12,671
- Insurers
- 4
- Plans by metal level
- 19 bronze, 17 silver, 14 gold, 2 catastrophic
- Benchmark silver premium, age 40, before subsidies
- $460.90/mo
- Lowest bronze premium, age 40, before subsidies
- $344.91/mo
- Lowest gold premium, age 40, before subsidies
- $443.74/mo
- Lowest silver deductible
- $3,500
- Lowest out-of-pocket maximum
- $5,900
Insurers in the county
- Oscar Insurance Company — 20 plans (Catastrophic, Bronze, Silver, Gold)
- Ambetter Health — 16 plans (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 | Secure | MercyOne (45819IA0010011) | Oscar Insurance Company | EPO | $306.63 | $10,600 | $10,600 | 2 |
|---|
| Bronze | Bronze Classic Standard | MercyOne (45819IA0010050) | Oscar Insurance Company | EPO | $344.91 | $7,500 | $10,000 | 19 |
|---|
| Silver | Standard Silver (48286IA0010020) | Ambetter Health | HMO | $459.22 | $6,000 | $8,900 | 17 |
|---|
| Gold | Gold Classic Standard | MercyOne (45819IA0010053) | Oscar Insurance Company | EPO | $443.74 | $2,000 | $8,200 | 14 |
|---|
One plan per metal level shown, of 52 plans in the county.
Benchmark silver premium by age
The benchmark plan (Oscar Insurance Company) at each age, individual, non-tobacco, before any premium tax credit.
| Age 21 | Age 27 | Age 30 | Age 40 | Age 50 | Age 60 |
|---|
| $360.65 | $377.95 | $409.33 | $460.90 | $644.11 | $978.78 |
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.