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Marketplace health plans in Sac 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, Sac County, Iowa has 26 Marketplace health plans from 3 insurers: 9 bronze, 9 silver, 7 gold, 1 catastrophic. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $548.51 per month; the lowest bronze premium is $401.22.
What changed vs 2025
- Benchmark silver premium up $108.03 a month (+24.5%) from 2025
- Lowest bronze premium up $56.01 a month
Market snapshot
- Residents under 65
- 7,338
- Insurers
- 3
- Plans by metal level
- 9 bronze, 9 silver, 7 gold, 1 catastrophic
- Benchmark silver premium, age 40, before subsidies
- $548.51/mo
- Lowest bronze premium, age 40, before subsidies
- $401.22/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
- 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 | Bronze Classic Standard (45819IA0010065) | Oscar Insurance Company | EPO | $401.22 | $7,500 | $10,000 | 9 |
|---|
| Silver | Silver Simple PCP Saver (45819IA0010061) | Oscar Insurance Company | EPO | $547.92 | $5,000 | $8,500 | 9 |
|---|
| Gold | Gold Classic Standard (45819IA0010067) | Oscar Insurance Company | EPO | $519.23 | $2,000 | $8,200 | 7 |
|---|
One plan per metal level shown, of 26 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 |
|---|
| $429.21 | $449.80 | $487.14 | $548.51 | $766.54 | $1,164.84 |
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.