Iowa Health Plans

Open Enrollment Happening Now!

If you live in northwest Iowa and don’t have health insurance through an employer, you can still have coverage with an individual or family plan. Now is the time to enroll for health insurance in 2026!

Find the best coverage for you and your family by shopping plans and signing up. Open enrollment ends Jan. 15, 2026. Sign up before Dec. 15 to begin your coverage Jan. 1, 2026. If you enroll after Dec. 15, 2025, your coverage will begin Feb. 1, 2026.

Counties where we offer insurance: Buena Vista, Cherokee, Clay, Dickinson, Emmet, Ida, Lyon, O'Brien, Osceola, Palo Alto, Plymouth, Sioux and Woodbury.

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The Affordable Care Act (ACA)-regulated plans are available through private insurance companies like Avera Health Plans or on the Federal Marketplace (Healthcare.gov).

Cost Considerations

You won’t be fined if you don’t have health insurance, but it’s an important investment.
Health care without health insurance could cripple your finances.
ACA-regulated plans offer key benefits and savings potential according to your yearly income.

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2026 Available Plan Options - On-Exchange and Off-Exchange

You have various plan options to fit your coverage needs and budget. You can view a high-level overview of what’s available in northwest Iowa. For detailed information on individual and family health coverage effective Jan. 1, 2026, and after, select the plan documents below to read the Summary of Benefits and Coverage. This will help you identify what works best with your budget. You can also view summaries of:

All 2026 plans available through Avera Health Plans and healthcare.gov

Gold Plans

2026 Gold Plans

Gold plans have the best coverage. They feature lower deductibles and lower out-of-pocket expenses when you go to the doctor. The richer coverage offered by Gold plans results in higher monthly premiums.

On- and Off-Exchange Plans

These plans can be purchased directly through Avera Health Plans or on Healthcare.gov – and you may qualify for financial assistance through tax credits (discounted monthly premiums.)

Off-Exchange Only Plans

There are no Gold plans available for direct purchase through Avera Health Plans.

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Silver Plans

2026 Silver Plans

On- and Off-Exchange Plans

These plans can be purchased directly through Avera Health Plans or on Healthcare.gov and offer the most opportunity to save through cost share reductions. You may qualify for cost share reductions (discounted co-pays, coinsurance and deductibles), offered only on Silver plans, and tax credits (discounted monthly premiums), which are applicable to all ACA plans.

Off-Exchange Only Plans

There are no Silver plans available for direct purchase through Avera Health Plans.

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Bronze Plans

2026 Bronze Plans

Bronze plans feature higher deductibles, which will result in more out-of-pocket costs for you when you go the doctor, however these plans have lower monthly premiums.

On- and Off-Exchange Plans

These plans can be purchased directly through Avera Health Plans or on Healthcare.gov – and you may qualify for financial assistance including tax credits that discount your monthly premium.

ConnectPlus $6500 HSA Eligible HDHP (pdf)
ConnectPlus $7500 HSA Eligible HDHP (pdf)
ConnectPlus Standard $7500 HSA Eligible HDHP (pdf)

Off-Exchange Only Plans

There are no Bronze plans available for direct purchase through Avera Health Plans.

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Catastrophic Plans

2026 Catastrophic Plans

To qualify for these plans, you must be under the age of 30 before Jan. 1, 2025 or qualify for a federal hardship exemption.

On- and Off-Exchange Plans

These plans can be purchased directly through Avera Health Plans or on Healthcare.gov – and you may qualify for financial assistance through tax credits that lower your monthly premium.