What ACA marketplace plans are available in Waterloo, Iowa in 2026?
Waterloo, Iowa (population 67,008), covering ZIP codes 50701, 50702, 50703, 50704 sits in Black Hawk County, where 42 ACA marketplace plans from 3 insurers are available in 2026 with a benchmark (second-lowest-cost silver) plan at $477 per month for a 40-year-old. 2027 plans for Black Hawk County are now available — to compare them and enroll, call United Enrollment Services, a licensed insurance agency, at 1-866-401-4116.
Updated July 23, 2026 · Reviewed by Jason Burns, Editorial Steward
Reviewed by Heather Fabrizio, licensed in Iowa (License #20983651) · reviewed Jul 25, 2026
Three lowest-cost silver plans at age 40
- Oscar Insurance Company — Silver Classic Standard | MercyOne · $476.17/mo · deductible $6,000 · MOOP $8,900
- Oscar Insurance Company — Silver Simple PCP Saver | MercyOne · $477.40/mo · deductible $5,000 · MOOP $8,500
- Oscar Insurance Company — Silver Simple Breathe Easy with Enhanced COPD Benefits | MercyOne · $478.64/mo · deductible $6,200 · MOOP $9,600
See the Waterloo city page with stats and ZIP codes →
Source: PY2026 QHP Landscape, Individual Market Medical (CMS Public Use File, released May 2026).