ACA marketplace plans in Black Hawk County, Iowa (2026)
Black Hawk County, Iowa has 42 ACA marketplace plans from 3 insurers in 2026, with monthly premiums for a 40-year-old ranging from $317 to $886 and a benchmark (second-lowest-cost silver) plan at $477 per month.
Updated July 21, 2026 · Reviewed by Jason Burns, Editorial Steward
Plan table
| Issuer | Plan | Metal | Age 21 | Age 40 | Age 60 | Deductible | MOOP |
|---|---|---|---|---|---|---|---|
| Oscar Insurance Company | Secure | MercyOne | Catastrophic | $247.89 | $316.79 | $672.74 | $10,600 | $10,600 |
| Oscar Insurance Company | Secure | Catastrophic | $296.53 | $378.95 | $804.74 | $10,600 | $10,600 |
| Wellmark Health Plan of Iowa, Inc. | Wellmark Bronze Standard | UnityPoint Health | Expanded Bronze | $275.54 | $352.14 | $747.82 | $7,500 | $10,000 |
| Wellmark Health Plan of Iowa, Inc. | Wellmark Bronze Traditional HMO | Expanded Bronze | $276.30 | $353.12 | $749.89 | $7,200 | $9,900 |
| Oscar Insurance Company | Bronze Classic Standard | MercyOne | Expanded Bronze | $278.83 | $356.34 | $756.73 | $7,500 | $10,000 |
| Wellmark Health Plan of Iowa, Inc. | Wellmark Bronze HDHP HMO HSA Qualified | Expanded Bronze | $282.09 | $360.51 | $765.60 | $8,300 | $8,300 |
| Oscar Insurance Company | Bronze Simple Diabetes | MercyOne | Expanded Bronze | $284.57 | $363.67 | $772.30 | $5,500 | $10,150 |
| Oscar Insurance Company | Bronze Simple Breathe Easy with Enhanced COPD Benefits | MercyOne | Expanded Bronze | $286.16 | $365.70 | $776.62 | $5,500 | $10,150 |
| Oscar Insurance Company | Bronze Classic 4700 | MercyOne | Expanded Bronze | $287.15 | $366.97 | $779.30 | $4,700 | $9,300 |
| Oscar Insurance Company | Bronze Simple Chronic Care CKM | MercyOne | Expanded Bronze | $291.25 | $372.20 | $790.42 | $5,500 | $10,150 |
| Wellmark Health Plan of Iowa, Inc. | Wellmark Standard Bronze HMO | Expanded Bronze | $296.15 | $378.48 | $803.75 | $7,500 | $10,000 |
| Oscar Insurance Company | Bronze Elite + PCP Saver Plus | MercyOne | Expanded Bronze | $305.04 | $389.83 | $827.85 | $0 | $10,600 |
| Oscar Insurance Company | Bronze Classic Standard | Expanded Bronze | $331.07 | $423.09 | $898.49 | $7,500 | $10,000 |
| Medica | Inspire by Medica Bronze Share | Expanded Bronze | $332.55 | $424.99 | $902.53 | $8,000 | $10,600 |
| Medica | Inspire by Medica Bronze $0 Copay PCP Visits | Expanded Bronze | $361.56 | $462.08 | $981.28 | $7,500 | $10,600 |
| Medica | Inspire by Medica Expanded Bronze Standard | Expanded Bronze | $365.93 | $467.66 | $993.15 | $7,500 | $10,000 |
| Medica | Medica Insure Expanded Bronze Standard | Expanded Bronze | $474.39 | $606.27 | $1,287.49 | $7,500 | $10,000 |
| Wellmark Health Plan of Iowa, Inc. | Wellmark Gold Primary Care | UnityPoint Health | Gold | $340.28 | $434.87 | $923.51 | $2,300 | $8,000 |
| Oscar Insurance Company | Gold Classic Standard | MercyOne | Gold | $358.73 | $458.44 | $973.56 | $2,000 | $8,200 |
| Wellmark Health Plan of Iowa, Inc. | Wellmark Gold Traditional HMO | Gold | $378.58 | $483.83 | $1,027.48 | $1,750 | $7,500 |
| Oscar Insurance Company | Gold Elite | MercyOne | Gold | $380.78 | $486.62 | $1,033.41 | $550 | $6,000 |
| Wellmark Health Plan of Iowa, Inc. | Wellmark Standard Gold HMO | Gold | $385.34 | $492.47 | $1,045.82 | $2,000 | $8,200 |
| Oscar Insurance Company | Gold Classic Standard | Gold | $428.43 | $547.52 | $1,162.73 | $2,000 | $8,200 |
| Medica | Inspire by Medica Gold $0 Copay PCP Visits | Gold | $503.32 | $643.24 | $1,366.00 | $1,500 | $8,800 |
| Medica | Inspire by Medica Gold Share | Gold | $518.37 | $662.48 | $1,406.86 | $2,500 | $5,900 |
| Medica | Inspire by Medica Gold Standard | Gold | $534.07 | $682.54 | $1,449.47 | $2,000 | $8,200 |
| Medica | Medica Insure Gold Standard | Gold | $692.36 | $884.83 | $1,879.06 | $2,000 | $8,200 |
| Oscar Insurance Company | Silver Classic Standard | MercyOne | Silver | $372.60 | $476.17 | $1,011.21 | $6,000 | $8,900 |
| Oscar Insurance Company | Silver Simple PCP Saver | MercyOne | Silver | $373.56 | $477.40 | $1,013.82 | $5,000 | $8,500 |
| Oscar Insurance Company | Silver Simple Breathe Easy with Enhanced COPD Benefits | MercyOne | Silver | $374.53 | $478.64 | $1,016.45 | $6,200 | $9,600 |
| Oscar Insurance Company | Silver Classic | MercyOne | Silver | $377.42 | $482.34 | $1,024.30 | $5,000 | $8,000 |
| Oscar Insurance Company | Silver Simple Diabetes | MercyOne | Silver | $380.03 | $485.67 | $1,031.38 | $6,500 | $10,000 |
| Oscar Insurance Company | Silver Simple Chronic Care CKM | MercyOne | Silver | $383.38 | $489.95 | $1,040.47 | $5,900 | $10,150 |
| Wellmark Health Plan of Iowa, Inc. | Wellmark Silver Primary Care | UnityPoint Health | Silver | $383.77 | $490.46 | $1,041.56 | $5,700 | $8,000 |
| Oscar Insurance Company | Silver Simple Women's Health with Menopause Benefits | MercyOne | Silver | $384.95 | $491.95 | $1,044.72 | $6,000 | $10,150 |
| Wellmark Health Plan of Iowa, Inc. | Wellmark Silver Traditional HMO | Silver | $413.59 | $528.57 | $1,122.48 | $5,000 | $7,500 |
| Wellmark Health Plan of Iowa, Inc. | Wellmark Standard Silver HMO | Silver | $419.65 | $536.31 | $1,138.92 | $6,000 | $8,900 |
| Oscar Insurance Company | Silver Classic Standard | Silver | $452.59 | $578.40 | $1,228.31 | $6,000 | $8,900 |
| Medica | Inspire by Medica Silver $0 Copay PCP Visits | Silver | $511.41 | $653.59 | $1,387.98 | $3,500 | $10,450 |
| Medica | Inspire by Medica Silver Share | Silver | $526.77 | $673.21 | $1,429.65 | $3,525 | $8,850 |
| Medica | Inspire by Medica Silver Standard | Silver | $535.02 | $683.75 | $1,452.03 | $6,000 | $8,900 |
| Medica | Medica Insure Silver Standard | Silver | $693.58 | $886.40 | $1,882.38 | $6,000 | $8,900 |
Cost-sharing reductions (CSR)
Silver plans in this county carry the standard cost-sharing shown above. If your household income is between 100% and 250% of the federal poverty level, HealthCare.gov automatically applies CSR variants of silver plans that lower deductibles, copays, and the annual out-of-pocket maximum — the plan name stays the same but the numbers on your Summary of Benefits change.
Subsidy context for 2026
The enhanced premium tax credits from the American Rescue Plan Act and the Inflation Reduction Act expired December 31, 2025, so for plan year 2026 the pre-2021 ACA subsidy structure returns — households above 400% of the federal poverty level receive no premium tax credit at all, and lower-income households pay a larger share of the benchmark plan's premium (see the Congressional Research Service report R48290 and KFF's 2026 premium tracker). These figures describe the rules; nothing on this page is a recommendation.
Sources
- PY2026 QHP Landscape, Individual Market Medical — CMS Public Use File, released May 2026. All plan, premium, deductible, and out-of-pocket figures on this page come from this file.
- HealthCare.gov — official federal marketplace where these plans are sold.