What health insurance costs without a subsidy in Adair County, Iowa (2026)
In Adair County, Iowa, the benchmark silver plan costs $502.25/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $333.28 to $896.37. A 60-year-old pays at least $707.76/month, a 21-year-old at least $260.79. 5 insurers offer 64 plans, according to the CMS PY2026 QHP Landscape.
Last verified 2026-07-18 · Published by Private Health Insurance Direct Answers · Licensed under Citation License 1.0
Cost by age (2026, before subsidy)
- Age 21 — starting at $260.79/mo
- Age 40 — starting at $333.28/mo
- Age 60 — starting at $707.76/mo
Cost by metal level (age 40, 2026)
- Silver — starting at $500.96/mo
- Gold — starting at $482.31/mo
Deductibles & out-of-pocket (2026)
- Deductibles range from $0 to $10,600
- Highest out-of-pocket maximum on file: $10,600
Who sells plans here
Ambetter Health, Medica, Oscar Insurance Company, UnitedHealthcare, Wellmark Health Plan of Iowa, Inc.
The subsidy cliff
In 2026 the enhanced ARP/IRA premium tax credits expire, so households above roughly 400% of the federal poverty level get zero subsidy and pay the full sticker prices listed above. Households under the cliff usually pay far less than sticker — how much less depends on income, household size, and county benchmark.
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Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — county-level premiums, deductibles, out-of-pocket maximums, and issuer/plan counts for Adair County (FIPS 19001).
- HealthCare.gov — the authoritative marketplace for enrollment and exact quoted pricing.
- Methodology — how we source, interpret, and label these figures.
Related counties in Iowa
- Pocahontas County — $620.90/mo benchmark
- Adams County — $608.52/mo benchmark
- Clarke County — $608.52/mo benchmark
- Guthrie County — $608.52/mo benchmark
- Harrison County — $608.52/mo benchmark
Plans available in this county (64)
- Secure | MercyOne — Catastrophic · $333.28/mo @ 40
- Secure — Catastrophic · $398.68/mo @ 40
- Bronze Classic Standard | MercyOne — Expanded Bronze · $374.89/mo @ 40
- Bronze Simple Diabetes | MercyOne — Expanded Bronze · $382.61/mo @ 40
- Bronze Simple Breathe Easy with Enhanced COPD Benefits | MercyOne — Expanded Bronze · $384.74/mo @ 40
- Bronze Classic 4700 | MercyOne — Expanded Bronze · $386.07/mo @ 40
- Bronze Simple Chronic Care CKM | MercyOne — Expanded Bronze · $391.58/mo @ 40
- Wellmark Bronze Traditional HMO — Expanded Bronze · $408.82/mo @ 40
- Bronze Elite + PCP Saver Plus | MercyOne — Expanded Bronze · $410.12/mo @ 40
- Wellmark Bronze HDHP HMO HSA Qualified — Expanded Bronze · $417.38/mo @ 40
- Wellmark Standard Bronze HMO — Expanded Bronze · $438.18/mo @ 40
- Everyday Bronze — Expanded Bronze · $441.65/mo @ 40
- Standard Expanded Bronze — Expanded Bronze · $442.54/mo @ 40
- Bronze Classic Standard — Expanded Bronze · $445.12/mo @ 40
- Everyday Bronze + Vision + Adult Dental — Expanded Bronze · $460.37/mo @ 40
- Standard Expanded Bronze + Vision + Adult Dental — Expanded Bronze · $461.29/mo @ 40
- UHC Bronze Value ($0 Virtual Urgent Care, No Referrals) — Expanded Bronze · $480.26/mo @ 40
- UHC Bronze Standard (No Referrals) — Expanded Bronze · $481.95/mo @ 40
- UHC Bronze Value+ ($0 Virtual Urgent Care, Dental + Vision, No Referrals) — Expanded Bronze · $497.33/mo @ 40
- UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) — Expanded Bronze · $500.66/mo @ 40
- Elite Bronze — Expanded Bronze · $511.81/mo @ 40
- Elite Bronze + Vision + Adult Dental — Expanded Bronze · $533.50/mo @ 40
- Medica Insure Bronze Share — Expanded Bronze · $557.15/mo @ 40
- Medica Insure Bronze $0 Copay PCP Visits — Expanded Bronze · $605.77/mo @ 40
- Medica Insure Expanded Bronze Standard — Expanded Bronze · $613.09/mo @ 40
- Gold Classic Standard | MercyOne — Gold · $482.31/mo @ 40
- Gold Elite | MercyOne — Gold · $511.96/mo @ 40
- Wellmark Gold Traditional HMO — Gold · $560.15/mo @ 40
- Wellmark Standard Gold HMO — Gold · $570.15/mo @ 40
- Gold Classic Standard — Gold · $576.03/mo @ 40
- UHC Gold Standard (No Referrals) — Gold · $588.01/mo @ 40
- Standard Gold — Gold · $601.72/mo @ 40
- UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals) — Gold · $603.34/mo @ 40
- UHC Gold Advantage ($0 Virtual Urgent Care, $1 Tier 2 Rx, No Referrals) — Gold · $609.82/mo @ 40
- Everyday Gold — Gold · $611.23/mo @ 40
- UHC Gold Advantage+ ($0 Virtual Urgent Care, $1 Tier 2 Rx, Dental + Vision, No Referrals) — Gold · $626.89/mo @ 40
- Standard Gold + Vision + Adult Dental — Gold · $627.22/mo @ 40
- Complete Gold — Gold · $633.30/mo @ 40
- Everyday Gold + Vision + Adult Dental — Gold · $637.14/mo @ 40
- Complete Gold + Vision + Adult Dental — Gold · $660.14/mo @ 40
Showing first 40 of 64 plans on file.
Reviewed by Jason Burns, Editorial Steward.