What health insurance costs without a subsidy in Story County, Iowa (2026)
In Story County, Iowa, the benchmark silver plan costs $532.69/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $350.73 to $884.68. A 60-year-old pays at least $744.83/month, a 21-year-old at least $274.44. 2 insurers offer 16 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 $274.44/mo
- Age 40 — starting at $350.73/mo
- Age 60 — starting at $744.83/mo
Cost by metal level (age 40, 2026)
- Silver — starting at $525.00/mo
- Gold — starting at $480.56/mo
Deductibles & out-of-pocket (2026)
- Deductibles range from $1,500 to $8,300
- Highest out-of-pocket maximum on file: $10,600
Who sells plans here
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 Story County (FIPS 19169).
- 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 (16)
- Wellmark Bronze Traditional HMO — Expanded Bronze · $350.73/mo @ 40
- Wellmark Bronze HDHP HMO HSA Qualified — Expanded Bronze · $358.08/mo @ 40
- Wellmark Standard Bronze HMO — Expanded Bronze · $375.93/mo @ 40
- Medica Insure Bronze Share — Expanded Bronze · $549.88/mo @ 40
- Medica Insure Bronze $0 Copay PCP Visits — Expanded Bronze · $597.86/mo @ 40
- Medica Insure Expanded Bronze Standard — Expanded Bronze · $605.09/mo @ 40
- Wellmark Gold Traditional HMO — Gold · $480.56/mo @ 40
- Wellmark Standard Gold HMO — Gold · $489.15/mo @ 40
- Medica Insure Gold $0 Copay PCP Visits — Gold · $832.26/mo @ 40
- Medica Insure Gold Share — Gold · $857.16/mo @ 40
- Medica Insure Gold Standard — Gold · $883.12/mo @ 40
- Wellmark Silver Traditional HMO — Silver · $525.00/mo @ 40
- Wellmark Standard Silver HMO — Silver · $532.69/mo @ 40
- Medica Insure Silver $0 Copay PCP Visits — Silver · $845.65/mo @ 40
- Medica Insure Silver Share — Silver · $871.04/mo @ 40
- Medica Insure Silver Standard — Silver · $884.68/mo @ 40
Reviewed by Jason Burns, Editorial Steward.