What health insurance costs without a subsidy in Woodbury County, Iowa (2026)
In Woodbury County, Iowa, the benchmark silver plan costs $452.73/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $300.41 to $926.56. A 60-year-old pays at least $637.97/month, a 21-year-old at least $235.08. 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 $235.08/mo
- Age 40 — starting at $300.41/mo
- Age 60 — starting at $637.97/mo
Cost by metal level (age 40, 2026)
- Silver — starting at $451.56/mo
- Gold — starting at $434.75/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 Woodbury County (FIPS 19193).
- 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 · $300.41/mo @ 40
- Secure — Catastrophic · $359.36/mo @ 40
- Bronze Classic Standard | MercyOne — Expanded Bronze · $337.92/mo @ 40
- Bronze Simple Diabetes | MercyOne — Expanded Bronze · $344.88/mo @ 40
- Bronze Simple Breathe Easy with Enhanced COPD Benefits | MercyOne — Expanded Bronze · $346.81/mo @ 40
- Bronze Classic 4700 | MercyOne — Expanded Bronze · $348.00/mo @ 40
- Bronze Simple Chronic Care CKM | MercyOne — Expanded Bronze · $352.97/mo @ 40
- Bronze Elite + PCP Saver Plus | MercyOne — Expanded Bronze · $369.68/mo @ 40
- Everyday Bronze — Expanded Bronze · $392.39/mo @ 40
- Standard Expanded Bronze — Expanded Bronze · $393.18/mo @ 40
- Bronze Classic Standard — Expanded Bronze · $401.22/mo @ 40
- Wellmark Bronze Standard | UnityPoint Health — Expanded Bronze · $407.69/mo @ 40
- Wellmark Bronze Traditional HMO — Expanded Bronze · $408.82/mo @ 40
- Everyday Bronze + Vision + Adult Dental — Expanded Bronze · $409.02/mo @ 40
- Standard Expanded Bronze + Vision + Adult Dental — Expanded Bronze · $409.84/mo @ 40
- Wellmark Bronze HDHP HMO HSA Qualified — Expanded Bronze · $417.38/mo @ 40
- Wellmark Standard Bronze HMO — Expanded Bronze · $438.18/mo @ 40
- Inspire by Medica Bronze Share — Expanded Bronze · $444.25/mo @ 40
- Elite Bronze — Expanded Bronze · $454.73/mo @ 40
- Elite Bronze + Vision + Adult Dental — Expanded Bronze · $474.00/mo @ 40
- Inspire by Medica Bronze $0 Copay PCP Visits — Expanded Bronze · $483.01/mo @ 40
- Inspire by Medica Expanded Bronze Standard — Expanded Bronze · $488.85/mo @ 40
- Medica Insure Expanded Bronze Standard — Expanded Bronze · $633.74/mo @ 40
- Gold Classic Standard | MercyOne — Gold · $434.75/mo @ 40
- Gold Elite | MercyOne — Gold · $461.48/mo @ 40
- Wellmark Gold Primary Care | UnityPoint Health — Gold · $503.47/mo @ 40
- Gold Classic Standard — Gold · $519.23/mo @ 40
- Standard Gold — Gold · $534.61/mo @ 40
- Everyday Gold — Gold · $543.06/mo @ 40
- Standard Gold + Vision + Adult Dental — Gold · $557.27/mo @ 40
- Wellmark Gold Traditional HMO — Gold · $560.15/mo @ 40
- Complete Gold — Gold · $562.67/mo @ 40
- Everyday Gold + Vision + Adult Dental — Gold · $566.07/mo @ 40
- Wellmark Standard Gold HMO — Gold · $570.15/mo @ 40
- Complete Gold + Vision + Adult Dental — Gold · $586.51/mo @ 40
- Inspire by Medica Gold $0 Copay PCP Visits — Gold · $672.38/mo @ 40
- Inspire by Medica Gold Share — Gold · $692.49/mo @ 40
- Inspire by Medica Gold Standard — Gold · $713.47/mo @ 40
- Medica Insure Gold Standard — Gold · $924.92/mo @ 40
- Silver Classic Standard | MercyOne — Silver · $451.56/mo @ 40
Showing first 40 of 58 plans on file.
Reviewed by Jason Burns, Editorial Steward.