Before subsidies, the benchmark silver plan for a 40-year-old in Montgomery County cost about $569 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. 5 insurers offered marketplace plans in Montgomery County for 2026. Keep reading for what's sold in Montgomery County, which local agencies have the best reviews, and how to get a quote.
Top-rated health insurance agencies near Red Oak
Licensed agents can compare plans available in Montgomery County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540Health insurance at a glance: Red Oak, IA
| Where to enroll | HealthCare.gov |
|---|---|
| Average benchmark silver, age 40 (2027) | $528/mo before subsidies |
| Montgomery County benchmark (2026) | $569/mo |
| Plans offered in Montgomery County (2026) | 57 |
| 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.
Before you call an agent
- Have a realistic estimate of next year's household income; subsidies are based on it.
- Ask each agent which carriers they can quote in your county.
- Write down the enrollment deadline and confirm your first premium payment.
- Make a list of your doctors, hospitals and prescriptions before you call anyone.
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
How much is health insurance in Red Oak?
Before subsidies, the benchmark silver plan for a 40-year-old in Montgomery County cost about $569 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. 5 insurers offered marketplace plans in Montgomery County for 2026. A licensed agent can quote your exact price.
Where can I buy health insurance in Red Oak?
Through the HealthCare.gov, directly from an insurer, or with a licensed agent or broker who can do either.
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.
Health insurance in nearby cities
- Clarinda, IA 22 miles
- Glenwood, IA 27 miles
- Atlantic, IA 29 miles
- Plattsmouth, NE 35 miles
- Council Bluffs, IA 36 miles
- Offutt AFB, NE 37 miles
- Bellevue, NE 38 miles
- Nebraska City, NE 41 miles
- Ralston, NE 44 miles
- Creston, IA 45 miles