What health insurance costs without a subsidy in Lucas County, Iowa (2026)
In Lucas County, Iowa, the benchmark silver plan costs $536.31/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $353.12 to $837.90. A 60-year-old pays at least $749.89/month, a 21-year-old at least $276.30. 3 insurers offer 26 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 $276.30/mo
- Age 40 — starting at $353.12/mo
- Age 60 — starting at $749.89/mo
Cost by metal level (age 40, 2026)
- Silver — starting at $528.57/mo
- Gold — starting at $483.83/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.
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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 Lucas County (FIPS 19117).
- 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 (26)
- Secure — Catastrophic · $413.64/mo @ 40
- Wellmark Bronze Traditional HMO — Expanded Bronze · $353.12/mo @ 40
- Wellmark Bronze HDHP HMO HSA Qualified — Expanded Bronze · $360.51/mo @ 40
- Wellmark Standard Bronze HMO — Expanded Bronze · $378.48/mo @ 40
- Bronze Classic Standard — Expanded Bronze · $461.82/mo @ 40
- Bronze Classic 4700 — Expanded Bronze · $475.96/mo @ 40
- Bronze Elite + PCP Saver Plus — Expanded Bronze · $506.36/mo @ 40
- Medica Insure Bronze Share — Expanded Bronze · $520.81/mo @ 40
- Medica Insure Bronze $0 Copay PCP Visits — Expanded Bronze · $566.25/mo @ 40
- Medica Insure Expanded Bronze Standard — Expanded Bronze · $573.10/mo @ 40
- Wellmark Gold Traditional HMO — Gold · $483.83/mo @ 40
- Wellmark Standard Gold HMO — Gold · $492.47/mo @ 40
- Gold Classic Standard — Gold · $597.65/mo @ 40
- Gold Elite — Gold · $645.53/mo @ 40
- Medica Insure Gold $0 Copay PCP Visits — Gold · $788.25/mo @ 40
- Medica Insure Gold Share — Gold · $811.83/mo @ 40
- Medica Insure Gold Standard — Gold · $836.42/mo @ 40
- Wellmark Silver Traditional HMO — Silver · $528.57/mo @ 40
- Wellmark Standard Silver HMO — Silver · $536.31/mo @ 40
- Silver Simple PCP Saver — Silver · $630.67/mo @ 40
- Silver Classic Standard — Silver · $631.35/mo @ 40
- Silver Classic — Silver · $639.60/mo @ 40
- Silver Simple Diabetes — Silver · $644.23/mo @ 40
- Medica Insure Silver $0 Copay PCP Visits — Silver · $800.94/mo @ 40
- Medica Insure Silver Share — Silver · $824.98/mo @ 40
- Medica Insure Silver Standard — Silver · $837.90/mo @ 40
Reviewed by Jason Burns, Editorial Steward.