Health insurance prices in Monroe County, IA (2026)
52 marketplace plans from 4 insurers. Cheapest plan $353/mo; typical Silver $535/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 5.
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 $353–$573 (typical $408) · Silver $518–$838 (typical $535) · Gold $484–$836 (typical $581) · Catastrophic $346–$414 (typical $380)
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 |
|---|---|---|---|---|---|---|---|
| Oscar Health | 20 | $389 | $401 | $528 | $531 | Bronze Classic Standard | MercyOne | |
| Ambetter (Centene) | 16 | $407 | $425 | $532 | $581 | Everyday Bronze | |
| Wellmark Blue Cross Blue Shield (IA)Wellmark (Blue Cross Blue Shield company) | 7 | $353 | $361 | $532 | $488 | Wellmark Bronze Traditional HMO | |
| Medica | 9 | $521 | $566 | $825 | $812 | Medica Insure Bronze Share |
All 52 plans in Monroe County, cheapest first
| Compare | Insurer | Plan | Metal | Network | Monthly | Deductible | Out-of-pocket max | Bad year |
|---|---|---|---|---|---|---|---|---|
| Oscar Health | Secure | MercyOne | Catastrophic | EPO | $346 | $10,600 | $10,600 | $14,749 | |
| Wellmark Blue Cross Blue Shield (IA) | Wellmark Bronze Traditional HMO | Expanded Bronze | HMO | $353 | $7,200 | $9,900 | $14,137 | |
| Wellmark Blue Cross Blue Shield (IA) | Wellmark Bronze HDHP HMO HSA Qualified | Expanded Bronze | HMO | $361 | $8,300 | $8,300 | $12,626 | |
| Wellmark Blue Cross Blue Shield (IA) | Wellmark Standard Bronze HMO | Expanded Bronze | HMO | $378 | $7,500 | $10,000 | $14,542 | |
| Oscar Health | Bronze Classic Standard | MercyOne | Expanded Bronze | EPO | $389 | $7,500 | $10,000 | $14,668 | |
| Oscar Health | Bronze Simple Diabetes | MercyOne | Expanded Bronze | EPO | $397 | $5,500 | $10,150 | $14,914 | |
| Oscar Health | Bronze Simple Breathe Easy with Enhanced COPD Benefits | MercyOne | Expanded Bronze | EPO | $399 | $5,500 | $10,150 | $14,940 | |
| Oscar Health | Bronze Classic 4700 | MercyOne | Expanded Bronze | EPO | $401 | $4,700 | $9,300 | $14,107 | |
| Oscar Health | Bronze Simple Chronic Care CKM | MercyOne | Expanded Bronze | EPO | $406 | $5,500 | $10,150 | $15,025 | |
| Ambetter (Centene) | Everyday Bronze | Expanded Bronze | HMO | $407 | $8,450 | $10,150 | $15,032 | |
| Ambetter (Centene) | Standard Expanded Bronze | Expanded Bronze | HMO | $408 | $7,500 | $10,000 | $14,892 | |
| Oscar Health | Secure | Catastrophic | EPO | $414 | $10,600 | $10,600 | $15,564 | |
| Ambetter (Centene) | Everyday Bronze + Vision + Adult Dental | Expanded Bronze | HMO | $424 | $8,450 | $10,150 | $15,239 | |
| Ambetter (Centene) | Standard Expanded Bronze + Vision + Adult Dental | Expanded Bronze | HMO | $425 | $7,500 | $10,000 | $15,099 | |
| Oscar Health | Bronze Elite + PCP Saver Plus | MercyOne | Expanded Bronze | EPO | $426 | $0 | $10,600 | $15,706 | |
| Oscar Health | Bronze Classic Standard | Expanded Bronze | EPO | $462 | $7,500 | $10,000 | $15,542 | |
| Ambetter (Centene) | Elite Bronze | Expanded Bronze | HMO | $471 | $0 | $10,500 | $16,158 | |
| Wellmark Blue Cross Blue Shield (IA) | Wellmark Gold Traditional HMO | Gold | HMO | $484 | $1,750 | $7,500 | $13,306 | |
| Ambetter (Centene) | Elite Bronze + Vision + Adult Dental | Expanded Bronze | HMO | $491 | $0 | $10,500 | $16,398 | |
| Wellmark Blue Cross Blue Shield (IA) | Wellmark Standard Gold HMO | Gold | HMO | $492 | $2,000 | $8,200 | $14,110 | |
| Oscar Health | Gold Classic Standard | MercyOne | Gold | EPO | $500 | $2,000 | $8,200 | $14,205 | |
| Ambetter (Centene) | Standard Silver | Silver | HMO | $518 | $6,000 | $8,900 | $15,119 | |
| Oscar Health | Silver Classic Standard | MercyOne | Silver | EPO | $520 | $6,000 | $8,900 | $15,137 | |
| Medica | Medica Insure Bronze Share | Expanded Bronze | EPO | $521 | $8,000 | $10,600 | $16,850 | |
| Oscar Health | Silver Simple PCP Saver | MercyOne | Silver | EPO | $521 | $5,000 | $8,500 | $14,753 | |
| Oscar Health | Silver Simple Breathe Easy with Enhanced COPD Benefits | MercyOne | Silver | EPO | $522 | $6,200 | $9,600 | $15,870 | |
| Ambetter (Centene) | Focused Silver | Silver | HMO | $524 | $6,300 | $8,400 | $14,689 | |
| Oscar Health | Silver Classic | MercyOne | Silver | EPO | $526 | $5,000 | $8,000 | $14,318 | |
| Wellmark Blue Cross Blue Shield (IA) | Wellmark Silver Traditional HMO | Silver | HMO | $529 | $5,000 | $7,500 | $13,843 | |
| Oscar Health | Silver Simple Diabetes | MercyOne | Silver | EPO | $530 | $6,500 | $10,000 | $16,362 | |
| Oscar Health | Gold Elite | MercyOne | Gold | EPO | $531 | $550 | $6,000 | $12,374 | |
| Oscar Health | Silver Simple Chronic Care CKM | MercyOne | Silver | EPO | $535 | $5,900 | $10,150 | $16,568 | |
| Wellmark Blue Cross Blue Shield (IA) | Wellmark Standard Silver HMO | Silver | HMO | $536 | $6,000 | $8,900 | $15,336 | |
| Oscar Health | Silver Simple Women's Health with Menopause Benefits | MercyOne | Silver | EPO | $537 | $6,000 | $10,150 | $16,594 | |
| Ambetter (Centene) | Standard Silver + Vision + Adult Dental | Silver | HMO | $540 | $6,000 | $8,900 | $15,383 | |
| Ambetter (Centene) | Focused Silver + Vision + Adult Dental | Silver | HMO | $546 | $6,300 | $8,400 | $14,955 | |
| Ambetter (Centene) | Standard Gold | Gold | HMO | $554 | $2,000 | $8,200 | $14,852 | |
| Ambetter (Centene) | Everyday Gold | Gold | HMO | $563 | $800 | $7,250 | $14,007 | |
| Medica | Medica Insure Bronze $0 Copay PCP Visits | Expanded Bronze | EPO | $566 | $7,500 | $10,600 | $17,395 | |
| Medica | Medica Insure Expanded Bronze Standard | Expanded Bronze | EPO | $573 | $7,500 | $10,000 | $16,877 | |
| Ambetter (Centene) | Standard Gold + Vision + Adult Dental | Gold | HMO | $578 | $2,000 | $8,200 | $15,134 | |
| Ambetter (Centene) | Complete Gold | Gold | HMO | $583 | $1,450 | $7,500 | $14,501 | |
| Ambetter (Centene) | Everyday Gold + Vision + Adult Dental | Gold | HMO | $587 | $800 | $7,250 | $14,293 | |
| Oscar Health | Gold Classic Standard | Gold | EPO | $598 | $2,000 | $8,200 | $15,372 | |
| Ambetter (Centene) | Complete Gold + Vision + Adult Dental | Gold | HMO | $608 | $1,450 | $7,500 | $14,798 | |
| Oscar Health | Silver Classic Standard | Silver | EPO | $631 | $6,000 | $8,900 | $16,476 | |
| Medica | Medica Insure Gold $0 Copay PCP Visits | Gold | EPO | $788 | $1,500 | $8,800 | $18,259 | |
| Medica | Medica Insure Silver $0 Copay PCP Visits | Silver | EPO | $801 | $3,500 | $10,450 | $20,061 | |
| Medica | Medica Insure Gold Share | Gold | EPO | $812 | $2,500 | $5,900 | $15,642 | |
| Medica | Medica Insure Silver Share | Silver | EPO | $825 | $3,525 | $8,850 | $18,750 | |
| Medica | Medica Insure Gold Standard | Gold | EPO | $836 | $2,000 | $8,200 | $18,237 | |
| Medica | Medica Insure Silver Standard | Silver | EPO | $838 | $6,000 | $8,900 | $18,955 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $353 | $408 | $573 | 19 | $7,500 | $10,150 | $15,032 |
| Silver | $518 | $535 | $838 | 17 | $6,000 | $8,900 | $15,383 |
| Gold | $484 | $581 | $836 | 14 | $1,875 | $7,850 | $14,649 |
| CatastrophicUnder 30 or hardship exemption only | $346 | $380 | $414 | 2 | $10,600 | $10,600 | $15,157 |
* 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.