What health insurance costs without a subsidy in Mitchell County, Iowa (2026)
In Mitchell County, Iowa, the benchmark silver plan costs $484.81/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $321.70 to $1069.04. A 60-year-old pays at least $683.18/month, a 21-year-old at least $251.73. 3 insurers offer 36 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 $251.73/mo
- Age 40 — starting at $321.70/mo
- Age 60 — starting at $683.18/mo
Cost by metal level (age 40, 2026)
- Silver — starting at $483.56/mo
- Gold — starting at $465.56/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 Mitchell County (FIPS 19131).
- 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 (36)
- Secure | MercyOne — Catastrophic · $321.70/mo @ 40
- Secure — Catastrophic · $384.83/mo @ 40
- Bronze Classic Standard | MercyOne — Expanded Bronze · $361.87/mo @ 40
- Bronze Simple Diabetes | MercyOne — Expanded Bronze · $369.32/mo @ 40
- Bronze Simple Breathe Easy with Enhanced COPD Benefits | MercyOne — Expanded Bronze · $371.38/mo @ 40
- Bronze Classic 4700 | MercyOne — Expanded Bronze · $372.66/mo @ 40
- Bronze Simple Chronic Care CKM | MercyOne — Expanded Bronze · $377.98/mo @ 40
- Wellmark Bronze Traditional HMO — Expanded Bronze · $387.84/mo @ 40
- Bronze Elite + PCP Saver Plus | MercyOne — Expanded Bronze · $395.88/mo @ 40
- Wellmark Bronze HDHP HMO HSA Qualified — Expanded Bronze · $395.97/mo @ 40
- Wellmark Standard Bronze HMO — Expanded Bronze · $415.70/mo @ 40
- Bronze Classic Standard — Expanded Bronze · $429.66/mo @ 40
- Medica Insure Bronze Share — Expanded Bronze · $664.48/mo @ 40
- Medica Insure Bronze $0 Copay PCP Visits — Expanded Bronze · $722.46/mo @ 40
- Medica Insure Expanded Bronze Standard — Expanded Bronze · $731.19/mo @ 40
- Gold Classic Standard | MercyOne — Gold · $465.56/mo @ 40
- Gold Elite | MercyOne — Gold · $494.18/mo @ 40
- Wellmark Gold Traditional HMO — Gold · $531.41/mo @ 40
- Wellmark Standard Gold HMO — Gold · $540.90/mo @ 40
- Gold Classic Standard — Gold · $556.02/mo @ 40
- Medica Insure Gold $0 Copay PCP Visits — Gold · $1005.70/mo @ 40
- Medica Insure Gold Share — Gold · $1035.78/mo @ 40
- Medica Insure Gold Standard — Gold · $1067.16/mo @ 40
- Silver Classic Standard | MercyOne — Silver · $483.56/mo @ 40
- Silver Simple PCP Saver | MercyOne — Silver · $484.81/mo @ 40
- Silver Simple Breathe Easy with Enhanced COPD Benefits | MercyOne — Silver · $486.07/mo @ 40
- Silver Classic | MercyOne — Silver · $489.82/mo @ 40
- Silver Simple Diabetes | MercyOne — Silver · $493.21/mo @ 40
- Silver Simple Chronic Care CKM | MercyOne — Silver · $497.55/mo @ 40
- Silver Simple Women's Health with Menopause Benefits | MercyOne — Silver · $499.58/mo @ 40
- Wellmark Silver Traditional HMO — Silver · $580.55/mo @ 40
- Silver Classic Standard — Silver · $587.38/mo @ 40
- Wellmark Standard Silver HMO — Silver · $589.05/mo @ 40
- Medica Insure Silver $0 Copay PCP Visits — Silver · $1021.89/mo @ 40
- Medica Insure Silver Share — Silver · $1052.56/mo @ 40
- Medica Insure Silver Standard — Silver · $1069.04/mo @ 40
Reviewed by Jason Burns, Editorial Steward.