What health insurance costs without a subsidy in Black Hawk County, Iowa (2026)
In Black Hawk County, Iowa, the benchmark silver plan costs $477.40/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $316.79 to $886.40. A 60-year-old pays at least $672.74/month, a 21-year-old at least $247.89. 3 insurers offer 42 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 $247.89/mo
- Age 40 — starting at $316.79/mo
- Age 60 — starting at $672.74/mo
Cost by metal level (age 40, 2026)
- Silver — starting at $476.17/mo
- Gold — starting at $434.87/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
Medica, Oscar Insurance Company, 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.
Not affiliated with the U.S. government. Informational only — see the full disclaimer in the footer.
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — county-level premiums, deductibles, out-of-pocket maximums, and issuer/plan counts for Black Hawk County (FIPS 19013).
- 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 (42)
- Secure | MercyOne — Catastrophic · $316.79/mo @ 40
- Secure — Catastrophic · $378.95/mo @ 40
- Wellmark Bronze Standard | UnityPoint Health — Expanded Bronze · $352.14/mo @ 40
- Wellmark Bronze Traditional HMO — Expanded Bronze · $353.12/mo @ 40
- Bronze Classic Standard | MercyOne — Expanded Bronze · $356.34/mo @ 40
- Wellmark Bronze HDHP HMO HSA Qualified — Expanded Bronze · $360.51/mo @ 40
- Bronze Simple Diabetes | MercyOne — Expanded Bronze · $363.67/mo @ 40
- Bronze Simple Breathe Easy with Enhanced COPD Benefits | MercyOne — Expanded Bronze · $365.70/mo @ 40
- Bronze Classic 4700 | MercyOne — Expanded Bronze · $366.97/mo @ 40
- Bronze Simple Chronic Care CKM | MercyOne — Expanded Bronze · $372.20/mo @ 40
- Wellmark Standard Bronze HMO — Expanded Bronze · $378.48/mo @ 40
- Bronze Elite + PCP Saver Plus | MercyOne — Expanded Bronze · $389.83/mo @ 40
- Bronze Classic Standard — Expanded Bronze · $423.09/mo @ 40
- Inspire by Medica Bronze Share — Expanded Bronze · $424.99/mo @ 40
- Inspire by Medica Bronze $0 Copay PCP Visits — Expanded Bronze · $462.08/mo @ 40
- Inspire by Medica Expanded Bronze Standard — Expanded Bronze · $467.66/mo @ 40
- Medica Insure Expanded Bronze Standard — Expanded Bronze · $606.27/mo @ 40
- Wellmark Gold Primary Care | UnityPoint Health — Gold · $434.87/mo @ 40
- Gold Classic Standard | MercyOne — Gold · $458.44/mo @ 40
- Wellmark Gold Traditional HMO — Gold · $483.83/mo @ 40
- Gold Elite | MercyOne — Gold · $486.62/mo @ 40
- Wellmark Standard Gold HMO — Gold · $492.47/mo @ 40
- Gold Classic Standard — Gold · $547.52/mo @ 40
- Inspire by Medica Gold $0 Copay PCP Visits — Gold · $643.24/mo @ 40
- Inspire by Medica Gold Share — Gold · $662.48/mo @ 40
- Inspire by Medica Gold Standard — Gold · $682.54/mo @ 40
- Medica Insure Gold Standard — Gold · $884.83/mo @ 40
- Silver Classic Standard | MercyOne — Silver · $476.17/mo @ 40
- Silver Simple PCP Saver | MercyOne — Silver · $477.40/mo @ 40
- Silver Simple Breathe Easy with Enhanced COPD Benefits | MercyOne — Silver · $478.64/mo @ 40
- Silver Classic | MercyOne — Silver · $482.34/mo @ 40
- Silver Simple Diabetes | MercyOne — Silver · $485.67/mo @ 40
- Silver Simple Chronic Care CKM | MercyOne — Silver · $489.95/mo @ 40
- Wellmark Silver Primary Care | UnityPoint Health — Silver · $490.46/mo @ 40
- Silver Simple Women's Health with Menopause Benefits | MercyOne — Silver · $491.95/mo @ 40
- Wellmark Silver Traditional HMO — Silver · $528.57/mo @ 40
- Wellmark Standard Silver HMO — Silver · $536.31/mo @ 40
- Silver Classic Standard — Silver · $578.40/mo @ 40
- Inspire by Medica Silver $0 Copay PCP Visits — Silver · $653.59/mo @ 40
- Inspire by Medica Silver Share — Silver · $673.21/mo @ 40
Showing first 40 of 42 plans on file.
Reviewed by Jason Burns, Editorial Steward.