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Marketplace health plans in Palo Alto 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, Palo Alto County, Iowa has 42 Marketplace health plans from 4 insurers: 15 bronze, 13 silver, 13 gold, 1 catastrophic. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $505.43 per month; the lowest bronze premium is $392.39.
What changed vs 2025
- Benchmark silver premium up $64.95 a month (+14.7%) from 2025
- 16 more plans than 2025
- Insurers entered: Ambetter Health
- Lowest bronze premium up $47.18 a month
Market snapshot
- Residents under 65
- 6,893
- Insurers
- 4
- Plans by metal level
- 15 bronze, 13 silver, 13 gold, 1 catastrophic
- Benchmark silver premium, age 40, before subsidies
- $505.43/mo
- Lowest bronze premium, age 40, before subsidies
- $392.39/mo
- Lowest gold premium, age 40, before subsidies
- $519.23/mo
- Lowest silver deductible
- $3,500
- Lowest out-of-pocket maximum
- $5,900
Insurers in the county
- Ambetter Health — 16 plans (Bronze, Silver, Gold)
- Oscar Insurance Company — 10 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 | Secure (45819IA0010058) | Oscar Insurance Company | EPO | $359.36 | $10,600 | $10,600 | 1 |
|---|
| Bronze | Everyday Bronze (48286IA0010012) | Ambetter Health | HMO | $392.39 | $8,450 | $10,150 | 15 |
|---|
| Silver | Standard Silver (48286IA0010020) | Ambetter Health | HMO | $499.85 | $6,000 | $8,900 | 13 |
|---|
| Gold | Gold Classic Standard (45819IA0010067) | Oscar Insurance Company | EPO | $519.23 | $2,000 | $8,200 | 13 |
|---|
One plan per metal level shown, of 42 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 |
|---|
| $395.49 | $414.47 | $448.87 | $505.43 | $706.34 | $1,073.34 |
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.