ACA marketplace plans in Cass County, Iowa (2026)
Cass County, Iowa has 57 ACA marketplace plans from 5 insurers in 2026, with monthly premiums for a 40-year-old ranging from $399 to $896 and a benchmark (second-lowest-cost silver) plan at $569 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 | Catastrophic | $311.96 | $398.68 | $846.64 | $10,600 | $10,600 |
| Wellmark Health Plan of Iowa, Inc. | Wellmark Bronze Traditional HMO | Expanded Bronze | $319.89 | $408.82 | $868.17 | $7,200 | $9,900 |
| Wellmark Health Plan of Iowa, Inc. | Wellmark Bronze HDHP HMO HSA Qualified | Expanded Bronze | $326.59 | $417.38 | $886.36 | $8,300 | $8,300 |
| Wellmark Health Plan of Iowa, Inc. | Wellmark Standard Bronze HMO | Expanded Bronze | $342.87 | $438.18 | $930.54 | $7,500 | $10,000 |
| Ambetter Health | Everyday Bronze | Expanded Bronze | $345.59 | $441.65 | $937.91 | $8,450 | $10,150 |
| Ambetter Health | Standard Expanded Bronze | Expanded Bronze | $346.28 | $442.54 | $939.79 | $7,500 | $10,000 |
| Oscar Insurance Company | Bronze Classic Standard | Expanded Bronze | $348.30 | $445.12 | $945.26 | $7,500 | $10,000 |
| Medica | Elevate by Medica Bronze Share | Expanded Bronze | $351.45 | $449.15 | $953.83 | $8,000 | $10,600 |
| Oscar Insurance Company | Bronze Classic 4700 | Expanded Bronze | $358.96 | $458.74 | $974.20 | $4,700 | $9,300 |
| Ambetter Health | Everyday Bronze + Vision + Adult Dental | Expanded Bronze | $360.24 | $460.37 | $977.66 | $8,450 | $10,150 |
| Ambetter Health | Standard Expanded Bronze + Vision + Adult Dental | Expanded Bronze | $360.96 | $461.29 | $979.61 | $7,500 | $10,000 |
| UnitedHealthcare | UHC Bronze Value ($0 Virtual Urgent Care, No Referrals) | Expanded Bronze | $375.79 | $480.26 | $1,019.89 | $8,000 | $10,600 |
| UnitedHealthcare | UHC Bronze Standard (No Referrals) | Expanded Bronze | $377.11 | $481.95 | $1,023.48 | $7,500 | $10,000 |
| Oscar Insurance Company | Bronze Elite + PCP Saver Plus | Expanded Bronze | $381.89 | $488.04 | $1,036.42 | $0 | $10,600 |
| Medica | Elevate by Medica Bronze $0 Copay PCP Visits | Expanded Bronze | $382.11 | $488.34 | $1,037.05 | $7,500 | $10,600 |
| Medica | Elevate by Medica Expanded Bronze Standard | Expanded Bronze | $386.73 | $494.25 | $1,049.60 | $7,500 | $10,000 |
| UnitedHealthcare | UHC Bronze Value+ ($0 Virtual Urgent Care, Dental + Vision, No Referrals) | Expanded Bronze | $389.15 | $497.33 | $1,056.14 | $8,000 | $10,600 |
| UnitedHealthcare | UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) | Expanded Bronze | $391.76 | $500.66 | $1,063.23 | $0 | $10,600 |
| Ambetter Health | Elite Bronze | Expanded Bronze | $400.49 | $511.81 | $1,086.90 | $0 | $10,500 |
| Ambetter Health | Elite Bronze + Vision + Adult Dental | Expanded Bronze | $417.46 | $533.50 | $1,132.96 | $0 | $10,500 |
| Medica | Medica Insure Expanded Bronze Standard | Expanded Bronze | $479.73 | $613.09 | $1,301.98 | $7,500 | $10,000 |
| Wellmark Health Plan of Iowa, Inc. | Wellmark Gold Traditional HMO | Gold | $438.30 | $560.15 | $1,189.55 | $1,750 | $7,500 |
| Wellmark Health Plan of Iowa, Inc. | Wellmark Standard Gold HMO | Gold | $446.13 | $570.15 | $1,210.79 | $2,000 | $8,200 |
| Oscar Insurance Company | Gold Classic Standard | Gold | $450.74 | $576.03 | $1,223.27 | $2,000 | $8,200 |
| UnitedHealthcare | UHC Gold Standard (No Referrals) | Gold | $460.10 | $588.01 | $1,248.71 | $2,000 | $8,200 |
| Ambetter Health | Standard Gold | Gold | $470.84 | $601.72 | $1,277.84 | $2,000 | $8,200 |
| UnitedHealthcare | UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals) | Gold | $472.10 | $603.34 | $1,281.27 | $0 | $9,000 |
| UnitedHealthcare | UHC Gold Advantage ($0 Virtual Urgent Care, $1 Tier 2 Rx, No Referrals) | Gold | $477.16 | $609.82 | $1,295.02 | $1,000 | $8,500 |
| Ambetter Health | Everyday Gold | Gold | $478.28 | $611.23 | $1,298.03 | $800 | $7,250 |
| Oscar Insurance Company | Gold Elite | Gold | $486.84 | $622.18 | $1,321.27 | $550 | $6,000 |
| UnitedHealthcare | UHC Gold Advantage+ ($0 Virtual Urgent Care, $1 Tier 2 Rx, Dental + Vision, No Referrals) | Gold | $490.52 | $626.89 | $1,331.28 | $1,000 | $8,500 |
| Ambetter Health | Standard Gold + Vision + Adult Dental | Gold | $490.79 | $627.22 | $1,331.99 | $2,000 | $8,200 |
| Ambetter Health | Complete Gold | Gold | $495.55 | $633.30 | $1,344.91 | $1,450 | $7,500 |
| Ambetter Health | Everyday Gold + Vision + Adult Dental | Gold | $498.55 | $637.14 | $1,353.04 | $800 | $7,250 |
| Ambetter Health | Complete Gold + Vision + Adult Dental | Gold | $516.55 | $660.14 | $1,401.90 | $1,450 | $7,500 |
| Medica | Elevate by Medica Gold $0 Copay PCP Visits | Gold | $531.92 | $679.80 | $1,443.64 | $1,500 | $8,800 |
| Medica | Elevate by Medica Gold Share | Gold | $547.83 | $700.13 | $1,486.82 | $2,500 | $5,900 |
| Medica | Elevate by Medica Gold Standard | Gold | $564.43 | $721.34 | $1,531.85 | $2,000 | $8,200 |
| Medica | Medica Insure Gold Standard | Gold | $700.15 | $894.79 | $1,900.21 | $2,000 | $8,200 |
| Ambetter Health | Standard Silver | Silver | $440.23 | $562.60 | $1,194.76 | $6,000 | $8,900 |
| Ambetter Health | Focused Silver | Silver | $445.14 | $568.88 | $1,208.09 | $6,300 | $8,400 |
| Ambetter Health | Standard Silver + Vision + Adult Dental | Silver | $458.89 | $586.45 | $1,245.39 | $6,000 | $8,900 |
| Ambetter Health | Focused Silver + Vision + Adult Dental | Silver | $464.01 | $592.99 | $1,259.28 | $6,300 | $8,400 |
| Oscar Insurance Company | Silver Simple PCP Saver | Silver | $475.64 | $607.85 | $1,290.86 | $5,000 | $8,500 |
| Oscar Insurance Company | Silver Classic Standard | Silver | $476.16 | $608.52 | $1,292.26 | $6,000 | $8,900 |
| Wellmark Health Plan of Iowa, Inc. | Wellmark Silver Traditional HMO | Silver | $478.83 | $611.94 | $1,299.54 | $5,000 | $7,500 |
| UnitedHealthcare | UHC Silver Value ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals) | Silver | $481.11 | $614.86 | $1,305.73 | $3,500 | $10,600 |
| UnitedHealthcare | UHC Silver Standard (No Referrals) | Silver | $481.96 | $615.94 | $1,308.04 | $6,000 | $8,900 |
| Oscar Insurance Company | Silver Classic | Silver | $482.38 | $616.47 | $1,309.15 | $5,000 | $8,000 |
| Wellmark Health Plan of Iowa, Inc. | Wellmark Standard Silver HMO | Silver | $485.84 | $620.90 | $1,318.57 | $6,000 | $8,900 |
| Oscar Insurance Company | Silver Simple Diabetes | Silver | $485.87 | $620.93 | $1,318.62 | $6,500 | $10,000 |
| UnitedHealthcare | UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) | Silver | $487.72 | $623.31 | $1,323.68 | $0 | $10,150 |
| UnitedHealthcare | UHC Silver Value+ ($0 Virtual Urgent Care, $3 Tier 2 Rx, Dental + Vision, No Referrals) | Silver | $494.47 | $631.93 | $1,341.99 | $3,500 | $10,600 |
| Medica | Elevate by Medica Silver $0 Copay PCP Visits | Silver | $540.48 | $690.74 | $1,466.87 | $3,500 | $10,450 |
| Medica | Elevate by Medica Silver Share | Silver | $556.71 | $711.47 | $1,510.90 | $3,525 | $8,850 |
| Medica | Elevate by Medica Silver Standard | Silver | $565.42 | $722.61 | $1,534.56 | $6,000 | $8,900 |
| Medica | Medica Insure Silver Standard | Silver | $701.39 | $896.37 | $1,903.57 | $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.