Health insurance prices in Clay County, IA (2026)
28 marketplace plans from 3 insurers. Cheapest plan $409/mo; typical Silver $621/mo. Official marketplace: HealthCare.gov (enter your ZIP for your real price and tax credit).
Plan year 2026 prices; 2027 prices will be added as soon as CMS publishes them. Monthly premium for one 40-year-old, before any tax credit (subsidy). Rating Area 3.
Tick 2 to 4 options anywhere on this page (an insurer's cheapest plan, any plan in the full list, or a health sharing program) and press Compare. You can mix insurance and health sharing, and share the link.
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Individual & family health insurance (marketplace / ACA plans)
Real insurance plans you buy yourself (not through a job), sold by companies like UnitedHealthcare, Blue Cross Blue Shield, Ambetter (Centene), Oscar, Cigna, Molina and Anthem through HealthCare.gov or your state's marketplace.
Looking for Aetna? Aetna CVS Health left the ACA marketplace for 2026 (it sold plans in 17 states in 2025). Source: KFF
All plans here: Bronze $409–$634 (typical $438) · Silver $559–$927 (typical $621) · Gold $560–$925 (typical $607) · Catastrophic $354–$354 (typical $354)
Insurers, sorted by typical Silver price
Every marketplace insurer must sell Silver and Gold plans; Bronze is optional, so Silver is the fair comparison. Typical = median monthly premium, age 40.
| Comparecheapest plan | Insurer | Plans | Cheapest plan | Typical Bronze | Typical Silver | Typical Gold | Cheapest plan name |
|---|---|---|---|---|---|---|---|
| Avera Health Plans | 12 | $417 | $432 | $573 | $599 | ConnectPlus Standard $7500 HSA Eligible HDHP | |
| Wellmark Blue Cross Blue Shield (IA)Wellmark (Blue Cross Blue Shield company) | 7 | $409 | $417 | $616 | $565 | Wellmark Bronze Traditional HMO | |
| Medica | 9 | $576 | $626 | $912 | $898 | Medica Insure Bronze Share |
All 28 plans in Clay County, cheapest first
| Compare | Insurer | Plan | Metal | Network | Monthly | Deductible | Out-of-pocket max | Bad year |
|---|---|---|---|---|---|---|---|---|
| Avera Health Plans | ConnectPlus $10,600 HSA Eligible HDHP | Catastrophic | PPO | $354 | $10,600 | $10,600 | $14,843 | |
| Wellmark Blue Cross Blue Shield (IA) | Wellmark Bronze Traditional HMO | Expanded Bronze | HMO | $409 | $7,200 | $9,900 | $14,806 | |
| Avera Health Plans | ConnectPlus Standard $7500 HSA Eligible HDHP | Expanded Bronze | PPO | $417 | $7,500 | $10,000 | $15,007 | |
| Wellmark Blue Cross Blue Shield (IA) | Wellmark Bronze HDHP HMO HSA Qualified | Expanded Bronze | HMO | $417 | $8,300 | $8,300 | $13,309 | |
| Avera Health Plans | ConnectPlus $6500 HSA Eligible HDHP | Expanded Bronze | PPO | $432 | $6,500 | $10,600 | $15,787 | |
| Wellmark Blue Cross Blue Shield (IA) | Wellmark Standard Bronze HMO | Expanded Bronze | HMO | $438 | $7,500 | $10,000 | $15,258 | |
| Avera Health Plans | ConnectPlus $7500 HSA Eligible HDHP | Expanded Bronze | PPO | $454 | $7,500 | $7,500 | $12,946 | |
| Avera Health Plans | ConnectPlus Standard $6000 | Silver | PPO | $559 | $6,000 | $8,900 | $15,608 | |
| Wellmark Blue Cross Blue Shield (IA) | Wellmark Gold Traditional HMO | Gold | HMO | $560 | $1,750 | $7,500 | $14,222 | |
| Wellmark Blue Cross Blue Shield (IA) | Wellmark Standard Gold HMO | Gold | HMO | $570 | $2,000 | $8,200 | $15,042 | |
| Avera Health Plans | ConnectPlus $4500 | Silver | PPO | $571 | $4,500 | $10,600 | $17,451 | |
| Avera Health Plans | ConnectPlus MyWeighForward $6000 | Silver | PPO | $575 | $6,000 | $8,900 | $15,797 | |
| Medica | Medica Insure Bronze Share | Expanded Bronze | EPO | $576 | $8,000 | $10,600 | $17,511 | |
| Avera Health Plans | ConnectPlus $1800 | Gold | PPO | $581 | $1,800 | $9,000 | $15,968 | |
| Avera Health Plans | ConnectPlus Standard $2000 | Gold | PPO | $590 | $2,000 | $8,200 | $15,283 | |
| Avera Health Plans | ConnectPlus MyWeighForward $2000 | Gold | PPO | $607 | $2,000 | $8,200 | $15,485 | |
| Avera Health Plans | ConnectPlus $0 Gold | Gold | PPO | $612 | $0 | $8,500 | $15,842 | |
| Wellmark Blue Cross Blue Shield (IA) | Wellmark Silver Traditional HMO | Silver | HMO | $612 | $5,000 | $7,500 | $14,843 | |
| Wellmark Blue Cross Blue Shield (IA) | Wellmark Standard Silver HMO | Silver | HMO | $621 | $6,000 | $8,900 | $16,351 | |
| Medica | Medica Insure Bronze $0 Copay PCP Visits | Expanded Bronze | EPO | $626 | $7,500 | $10,600 | $18,114 | |
| Avera Health Plans | ConnectPlus $0 Silver | Silver | PPO | $630 | $0 | $10,600 | $18,156 | |
| Medica | Medica Insure Expanded Bronze Standard | Expanded Bronze | EPO | $634 | $7,500 | $10,000 | $17,605 | |
| Medica | Medica Insure Gold $0 Copay PCP Visits | Gold | EPO | $872 | $1,500 | $8,800 | $19,260 | |
| Medica | Medica Insure Silver $0 Copay PCP Visits | Silver | EPO | $886 | $3,500 | $10,450 | $21,078 | |
| Medica | Medica Insure Gold Share | Gold | EPO | $898 | $2,500 | $5,900 | $16,673 | |
| Medica | Medica Insure Silver Share | Silver | EPO | $912 | $3,525 | $8,850 | $19,797 | |
| Medica | Medica Insure Gold Standard | Gold | EPO | $925 | $2,000 | $8,200 | $19,299 | |
| Medica | Medica Insure Silver Standard | Silver | EPO | $927 | $6,000 | $8,900 | $20,019 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $409 | $438 | $634 | 9 | $7,500 | $10,000 | $15,258 |
| Silver | $559 | $621 | $927 | 9 | $5,000 | $8,900 | $17,451 |
| Gold | $560 | $607 | $925 | 9 | $2,000 | $8,200 | $15,842 |
| CatastrophicUnder 30 or hardship exemption only | $354 | $354 | $354 | 1 | $10,600 | $10,600 | $14,843 |
* Typical = median: half of plans cost less, half cost more. ** Bad year = 12 months of premium + the plan's in-network out-of-pocket maximum (median across plans). Out-of-network care and non-covered services are extra.