What health insurance costs without a subsidy in Warren County, Iowa (2026)
In Warren County, Iowa, the benchmark silver plan costs $459.01/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $304.58 to $748.21. A 60-year-old pays at least $646.82/month, a 21-year-old at least $238.34. 4 insurers offer 58 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 $238.34/mo
- Age 40 — starting at $304.58/mo
- Age 60 — starting at $646.82/mo
Cost by metal level (age 40, 2026)
- Silver — starting at $457.83/mo
- Gold — starting at $431.94/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
Ambetter Health, 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 Warren County (FIPS 19181).
- 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 (58)
- Secure | MercyOne — Catastrophic · $304.58/mo @ 40
- Secure — Catastrophic · $364.35/mo @ 40
- Bronze Classic Standard | MercyOne — Expanded Bronze · $342.61/mo @ 40
- Bronze Simple Diabetes | MercyOne — Expanded Bronze · $349.66/mo @ 40
- Wellmark Bronze Standard | UnityPoint Health — Expanded Bronze · $349.77/mo @ 40
- Wellmark Bronze Traditional HMO — Expanded Bronze · $350.73/mo @ 40
- Bronze Simple Breathe Easy with Enhanced COPD Benefits | MercyOne — Expanded Bronze · $351.62/mo @ 40
- Bronze Classic 4700 | MercyOne — Expanded Bronze · $352.83/mo @ 40
- Bronze Simple Chronic Care CKM | MercyOne — Expanded Bronze · $357.86/mo @ 40
- Wellmark Bronze HDHP HMO HSA Qualified — Expanded Bronze · $358.08/mo @ 40
- Inspire by Medica Bronze Share — Expanded Bronze · $358.74/mo @ 40
- Everyday Bronze — Expanded Bronze · $371.13/mo @ 40
- Standard Expanded Bronze — Expanded Bronze · $371.87/mo @ 40
- Bronze Elite + PCP Saver Plus | MercyOne — Expanded Bronze · $374.81/mo @ 40
- Wellmark Standard Bronze HMO — Expanded Bronze · $375.93/mo @ 40
- Everyday Bronze + Vision + Adult Dental — Expanded Bronze · $386.85/mo @ 40
- Standard Expanded Bronze + Vision + Adult Dental — Expanded Bronze · $387.63/mo @ 40
- Inspire by Medica Bronze $0 Copay PCP Visits — Expanded Bronze · $390.04/mo @ 40
- Inspire by Medica Expanded Bronze Standard — Expanded Bronze · $394.76/mo @ 40
- Bronze Classic Standard — Expanded Bronze · $406.79/mo @ 40
- Elite Bronze — Expanded Bronze · $430.08/mo @ 40
- Elite Bronze + Vision + Adult Dental — Expanded Bronze · $448.31/mo @ 40
- Medica Insure Expanded Bronze Standard — Expanded Bronze · $511.75/mo @ 40
- Wellmark Gold Primary Care | UnityPoint Health — Gold · $431.94/mo @ 40
- Gold Classic Standard | MercyOne — Gold · $440.78/mo @ 40
- Gold Elite | MercyOne — Gold · $467.88/mo @ 40
- Wellmark Gold Traditional HMO — Gold · $480.56/mo @ 40
- Wellmark Standard Gold HMO — Gold · $489.15/mo @ 40
- Standard Gold — Gold · $505.63/mo @ 40
- Everyday Gold — Gold · $513.63/mo @ 40
- Gold Classic Standard — Gold · $526.43/mo @ 40
- Standard Gold + Vision + Adult Dental — Gold · $527.06/mo @ 40
- Complete Gold — Gold · $532.17/mo @ 40
- Everyday Gold + Vision + Adult Dental — Gold · $535.39/mo @ 40
- Inspire by Medica Gold $0 Copay PCP Visits — Gold · $542.96/mo @ 40
- Complete Gold + Vision + Adult Dental — Gold · $554.73/mo @ 40
- Inspire by Medica Gold Share — Gold · $559.20/mo @ 40
- Inspire by Medica Gold Standard — Gold · $576.14/mo @ 40
- Medica Insure Gold Standard — Gold · $746.89/mo @ 40
- Silver Classic Standard | MercyOne — Silver · $457.83/mo @ 40
Showing first 40 of 58 plans on file.
Reviewed by Jason Burns, Editorial Steward.