What health insurance costs without a subsidy in O'Brien County, Iowa (2026)
In O'Brien County, Iowa, the benchmark silver plan costs $570.88/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $353.58 to $926.56. A 60-year-old pays at least $750.88/month, a 21-year-old at least $276.67. 3 insurers offer 28 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 $276.67/mo
- Age 40 — starting at $353.58/mo
- Age 60 — starting at $750.88/mo
Cost by metal level (age 40, 2026)
- Silver — starting at $558.96/mo
- Gold — starting at $560.15/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
Avera Health Plans, Medica, 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 O'Brien County (FIPS 19141).
- 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 (28)
- ConnectPlus $10,600 HSA Eligible HDHP — Catastrophic · $353.58/mo @ 40
- Wellmark Bronze Traditional HMO — Expanded Bronze · $408.82/mo @ 40
- ConnectPlus Standard $7500 HSA Eligible HDHP — Expanded Bronze · $417.21/mo @ 40
- Wellmark Bronze HDHP HMO HSA Qualified — Expanded Bronze · $417.38/mo @ 40
- ConnectPlus $6500 HSA Eligible HDHP — Expanded Bronze · $432.26/mo @ 40
- Wellmark Standard Bronze HMO — Expanded Bronze · $438.18/mo @ 40
- ConnectPlus $7500 HSA Eligible HDHP — Expanded Bronze · $453.85/mo @ 40
- Medica Insure Bronze Share — Expanded Bronze · $575.91/mo @ 40
- Medica Insure Bronze $0 Copay PCP Visits — Expanded Bronze · $626.17/mo @ 40
- Medica Insure Expanded Bronze Standard — Expanded Bronze · $633.74/mo @ 40
- Wellmark Gold Traditional HMO — Gold · $560.15/mo @ 40
- Wellmark Standard Gold HMO — Gold · $570.15/mo @ 40
- ConnectPlus $1800 — Gold · $580.65/mo @ 40
- ConnectPlus Standard $2000 — Gold · $590.25/mo @ 40
- ConnectPlus MyWeighForward $2000 — Gold · $607.08/mo @ 40
- ConnectPlus $0 Gold — Gold · $611.84/mo @ 40
- Medica Insure Gold $0 Copay PCP Visits — Gold · $871.66/mo @ 40
- Medica Insure Gold Share — Gold · $897.73/mo @ 40
- Medica Insure Gold Standard — Gold · $924.92/mo @ 40
- ConnectPlus Standard $6000 — Silver · $558.96/mo @ 40
- ConnectPlus $4500 — Silver · $570.88/mo @ 40
- ConnectPlus MyWeighForward $6000 — Silver · $574.76/mo @ 40
- Wellmark Silver Traditional HMO — Silver · $611.94/mo @ 40
- Wellmark Standard Silver HMO — Silver · $620.90/mo @ 40
- ConnectPlus $0 Silver — Silver · $629.64/mo @ 40
- Medica Insure Silver $0 Copay PCP Visits — Silver · $885.68/mo @ 40
- Medica Insure Silver Share — Silver · $912.27/mo @ 40
- Medica Insure Silver Standard — Silver · $926.56/mo @ 40
Reviewed by Jason Burns, Editorial Steward.