SimpliveraCoverage Companion
Iowa · 2026 plan year

Bronze health insurance plans in Iowa

There are 41 Bronze plans on the Iowa Marketplace from 6 insurers, and they are not interchangeable — premiums run from $264 to $400 a month for the same metal tier. Here is what separates them.

41
Bronze plans
6
Insurers
99
Counties covered
$264
Cheapest premium
$6,422
Average deductible
These are benchmark premiums, not your price. Every dollar figure here is the individual rate at age 21 for a non-tobacco user, before any premium tax credit — the standard way plans are compared like for like. What you actually pay depends on your age, county, household and income. Estimate your real cost.

Every Iowa Bronze plan is HSA-eligible.

All 41 Bronze plans here meet the IRS high-deductible rules, so any of them can be paired with a health savings account — letting you set aside pre-tax money against the deductible, which averages $6,422 in this tier.

Iowa Bronze premiums rank 2nd cheapest of 30.

Averaged across all 41 plans, Bronze coverage in Iowa costs $332 a month before subsidies — 2nd lowest of the 30 states with federal-marketplace data. Premiums vary far more by county and age than this single number suggests.

Metal tiers describe roughly what share of covered costs a plan pays, not the quality of its care or network. How the metal tiers actually differ walks through the trade, and how ACA subsidies work explains why the prices below are rarely what anyone pays.

Lowest premiums

The cheapest Bronze plans in Iowa

PlanPremium / mo (age 21, pre-subsidy)DeductibleOut-of-pocket max
Bronze Classic Standard | MercyOneOscar Insurance Company$264$7,500$10,000
Bronze Simple Diabetes | MercyOneOscar Insurance Company$270$5,500$10,150
Bronze Simple Breathe Easy with Enhanced COPD Benefits | MercyOneOscar Insurance Company$271$5,500$10,150
Bronze Classic 4700 | MercyOneOscar Insurance Company$272$4,700$9,300
Wellmark Bronze Standard | UnityPoint HealthWellmark Health Plan of Iowa, Inc.$274$7,500$10,000

Showing 5 of 41. See all Iowa Bronze plans →

Who sells here

Bronze plans by insurer

InsurerBronze plansCheapestTier average
Medica15$281$365
Oscar Insurance Company9$264$292
Ambetter Health6$282$304
UnitedHealthcare4$376$383
Wellmark Health Plan of Iowa, Inc.4$274$281
Avera Health Plans3$326$340
Other tiers in Iowa

How Bronze compares to the rest

Bronze
Avg $332 · from $264
41 plans · you are here
Silver
Avg $459 · from $353
41 plans
Gold
Avg $468 · from $338
36 plans

All IowaMarketplace plans →

Nearby on price

States with similar Bronze premiums

South Carolina
Avg $312
38 Bronze plans
North Dakota
Avg $336
18 Bronze plans
Michigan
Avg $338
40 Bronze plans
Common questions

Iowa Bronze plans, answered

What are the copays on a Iowa Bronze plan?
Copays vary plan by plan rather than by tier — the metal level sets roughly what share of total care costs the plan covers, not the individual amounts. Across the 41 Bronze plans in Iowa, deductibles average $6,422 and the out-of-pocket maximum averages $10,138. Open any plan below to see its full cost-sharing schedule, including primary care, specialist and prescription tiers.
Who is eligible for a Bronze plan in Iowa?
Any Iowa Marketplace shopper can choose Bronze. It carries the lowest premiums and the highest deductibles, and it is the tier most often paired with a health savings account. One trade-off worth knowing: choosing Bronze rather than Silver forfeits cost-sharing reductions entirely if your income would have qualified you for them.
What is the deductible on a Iowa Bronze plan?
The average across all 41 Bronze plans in Iowa is $6,422, with an average out-of-pocket maximum of $10,138. The range within the tier is wide, so two plans at a similar premium can differ by thousands in what you would actually pay during a year with significant care. Deductible is usually a better basis for comparison than premium alone.
Are Bronze plans available in my Iowa county?
Bronze plans are sold in 99 Iowa counties, from 6 insurers. Which specific plans you can buy depends on where you live — a plan offered in a metro county is often not sold in a rural one. Enter your ZIP code to narrow the list to plans actually available to you.
When can I enroll in a Iowa Marketplace plan?
Iowa uses the federal Marketplace, so open enrollment runs November 1 to January 15. Outside that window you need a qualifying life event — losing job-based coverage, moving, marriage, or a birth — to open a special enrollment period. Cheapest Bronze premiums in Iowa start at $264 a month before any subsidy.

Stop comparing sticker prices.
See what you would actually pay.

Simplivera simulates a full year of your real costs across all 41 Iowa Bronze plans.

Estimate my costs — it’s free →