Iowa · 2027 Open Enrollment
Iowa ACA health insurance for 2027
Open Enrollment for 2027 Iowa Marketplace plans runs November 1, 2026 – January 15, 2027. Enroll by December 15 for coverage starting January 1. Larry Hamilton is a licensed agent in Iowa and can help you compare every plan available at your ZIP code, online or by phone, at no extra cost.
What's new in Iowa for 2027
Iowa has one of the smallest proposed average increases in the country (about 6.7%). Medica is leaving Iowa's individual market, so about 4,000 Medica members need a new plan.
Across the country, the median proposed 2027 premium increase is about 15% (Peterson-KFF Health System Tracker). The extra federal subsidies that capped premiums at 8.5% of income expired at the end of 2025, and the 400% of poverty "subsidy cliff" is back for 2027 (Congressional Research Service). That makes reviewing your plan and your income estimate more important than usual. See our 2027 subsidy income limits guide.
How to enroll in Iowa
Iowa residents enroll through HealthCare.gov, the federal Marketplace. You can apply directly or use an approved enhanced direct enrollment site like HealthSherpa. You get the same plans, prices and tax credits either way. Using Larry's secure HealthSherpa link, you:
- Enter your Iowa ZIP code, household size and estimated 2027 income.
- Compare Bronze, Silver, Gold and Platinum plans side by side, including premiums after tax credits, deductibles, doctors and prescriptions.
- Pick a plan, submit your application and pay your first premium to activate coverage.
Prefer to talk it through? Call 803-851-3589. Because of new 2027 federal rules, you'll confirm by electronic authorization that you want an agent to help with your application (CMS, Sept. 2026).
2027 Iowa Marketplace insurers
- Wellmark
- Oscar
- UnitedHealthcare
- Iowa Total Care (Ambetter)
- Avera Health Plans
Not every insurer sells plans in every county. Source: healthinsurance.org Iowa Marketplace guide and state rate filings, September 2026.
Medicaid and the coverage gap in Iowa
Iowa expanded Medicaid, so adults with income up to 138% of the poverty level may qualify for Iowa Medicaid. If your household may qualify for Iowa Medicaid and Hawki, you can apply any time of year. The Marketplace application will tell you if you're likely eligible.
Where we help in Iowa
We enroll individuals, families, self-employed workers and early retirees across Iowa, including Des Moines, Cedar Rapids, Davenport, Sioux City and Iowa City, plus rural counties. Everything is handled by phone and online, so there's no office visit.
Frequently asked questions
When is Open Enrollment for 2027 health insurance in Iowa?
Open Enrollment for 2027 coverage in Iowa runs November 1, 2026 through January 15, 2027. Enroll by December 15, 2026 for coverage that starts January 1, 2027.
How much are ACA premiums going up in Iowa for 2027?
Insurers' proposed 2027 rates in Iowa average about 6.7% before subsidies, according to rate filings tracked by healthinsurance.org. What you actually pay depends on your plan, age, ZIP code and tax credit.
Which insurers sell Marketplace plans in Iowa for 2027?
Insurers offering Iowa Marketplace coverage for 2027 include Wellmark, Oscar, UnitedHealthcare, Iowa Total Care (Ambetter), Avera Health Plans. Availability varies by county.
Did Iowa expand Medicaid?
Iowa expanded Medicaid, so adults with income up to 138% of the poverty level may qualify for Iowa Medicaid.
Can a licensed agent help me enroll in Iowa by phone?
Yes. Larry Hamilton (NPN #11384312) is licensed in Iowa and helps residents compare and enroll in ACA Marketplace plans by phone or online at no extra cost.