Before subsidies, the benchmark silver plan for a 40-year-old in Boone County cost about $464 a month for 2026, and the Iowa average for 2027 is $528 a month. Premium tax credits bring that down for many households, depending on income and family size. 4 insurers offered marketplace plans in Boone County for 2026. Keep reading for what's sold in Boone County, which local agencies have the best reviews, and how to get a quote.
Top-rated health insurance agencies near Boone
Licensed agents can compare plans available in Boone County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540Health insurance at a glance: Boone, IA
| Where to enroll | HealthCare.gov |
|---|---|
| Average benchmark silver, age 40 (2027) | $528/mo before subsidies |
| Boone County benchmark (2026) | $464/mo |
| Plans offered in Boone County (2026) | 48 |
| Plan types | HMO, EPO |
| Marketplace insurers in Iowa (2027) | 5 |
| Medicaid expansion | Yes |
| Short-term plans | Sold (not ACA-compliant) |
Sources: CMS plan data, KFF, state marketplace and insurance department pages.
A quick checklist
- Compare total yearly cost (premiums plus deductible), not just the monthly premium.
- Ask each agent which carriers they can quote in your county.
- Write down the enrollment deadline and confirm your first premium payment.
- Check that the agent's license is active with the state regulator.
Free enrollment help in Iowa
HealthCare.gov Marketplace assisters: CMS-funded Navigator organizations plus Certified Application Counselors, who give free, impartial help applying and enrolling; consumers search for nearby help with the HealthCare.gov Find Local Help tool. You can search for in-person help on the official find-help page. If you'd rather have someone compare plans and recommend one, a licensed agent can do that at no cost to you.
Frequently asked questions
Which insurers sell marketplace plans in Iowa?
For 2027, marketplace plans in Iowa come from 5 insurers: Wellmark Blue Cross and Blue Shield, Oscar Health, UnitedHealthcare, Iowa Total Care (Ambetter) and Avera Health Plans. Not every insurer sells in every county.
Can I get coverage outside open enrollment?
Only with a qualifying life event, unless you qualify for Iowa Health and Wellness Plan (IA Health Link). Some people also look at short-term or fixed-indemnity plans, which are not ACA-compliant coverage.
Where can I buy health insurance in Boone?
Through the HealthCare.gov, directly from an insurer, or with a licensed agent or broker who can do either.
Health insurance in nearby cities
- Ames, IA 13 miles
- Perry, IA 19 miles
- Nevada, IA 21 miles
- Grimes, IA 26 miles
- Ankeny, IA 26 miles
- Johnston, IA 27 miles
- Webster City, IA 28 miles
- Urbandale, IA 29 miles
- Clive, IA 31 miles
- Adel, IA 31 miles