ACA plans available
42
Plan year 2026
CMS Marketplace county · plan year 2026
Black Hawk, Iowa ACA premiums
County-level marketplace aggregates from CMS Public Use Files. Listed rates are age-27 premiums unless noted.
Data updated 2026-08-30
- $460
- Silver avg/mo
- 42
- ACA plans
- 3
- Issuers
- +14.6%
- YoY premium
Silver avg $460/mo
Black Hawk, Iowa has 42 ACA marketplace plans from 3 issuers (plan year 2026). Average Silver premium is $460/mo; Bronze averages $330/mo and Gold $474/mo. Figures are CMS Marketplace Public Use File county aggregates for age-27 rates.
- County Silver corpus place #1964 of 2055 (highest = #1)
- Benchmark (2nd-lowest Silver) $391/mo
- Plan year 2026 CMS PUF
Silver rank is not plan-count rank
According to CMS Marketplace Public Use Files, Black Hawk, Iowa ranks #1,964 of 2,055 counties by listed Silver average ($460/mo) and #1,045 of 2,055 by plan count (42 plans).
- #1,964 of 2,055
- Silver average among 2,055 counties
- $460
- Listed Silver average /mo
- #1,045 of 2,055
- Plan count among 2,055 counties
- 42
- Listed ACA plans in this county
Highest listed Silver average = #1. Most listed plans = #1. County of residence still governs which plans CMS files for that FIPS.
Black Hawk, Iowa offers 42 ACA marketplace plans from 3 issuers for plan year 2026. Bronze plans start at $289/mo and Silver plans start at $390/mo (age 27 listed rates). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$460
Avg Silver Premium/mo
$391
Benchmark Premium/mo
+14.6%
Year-over-Year Change
$5,349
Avg Deductible
Lower-premium band
Black Hawk in the lower-premium third
$460/mo Silver avg sits in the bottom third of tracked federal-marketplace counties. Corpus place #1964 of 2055 (highest Silver = #1).
Floor-to-ceiling Silver runs $390–$727/mo. The local market is heavily EPO-dominated -- shoppers who specifically want a HMO network have only a handful of plans to choose from here.
Source: CMS Marketplace Public Use Files, plan year 2026. Informational only; confirm options at HealthCare.gov. How we place counties.
Premiums by Metal Level
Bronze-tier cards fold CMS Expanded Bronze into Bronze (same population as county_trends and methodology). Plan rows and the premium-vs-deductible chart below keep the CMS source label.
Bronze
15 plans$330/mo avg
$289 - $497
Silver
15 plans$460/mo avg
$390 - $727
Gold
10 plans$474/mo avg
$357 - $726
Catastrophic plan available: avg $285/mo (2 plans) - only for individuals under 30 or with a hardship exemption.
Benchmark premium & subsidies
The benchmark (second-lowest Silver) premium in Black Hawk is $391/mo for a 27-year-old. This is the amount used to calculate your premium tax credit. If your expected contribution (based on income) is less than the benchmark, you receive a subsidy for the difference.
Issuers in market
3
Some competition
Benchmark Silver
$391 /mo
Sets your subsidy ceiling
Avg deductible
$5,349
Across all metal tiers
C
Marketplace Access Score
59/100
Black Hawk
Based on benchmark premium, plan and issuer counts, and average deductible across 2,055 tracked ACA marketplace counties, not plan quality, network adequacy, or provider access.
Affordability A+
$391/mo
Benchmark Silver premium; rank #1964 of 2055 tracked counties (cheapest first)
Plan Choice D
42 plans
ACA marketplace plan count; rank #1045 of 2055 tracked counties (most first)
Issuer Competition C-
3 issuers
Distinct marketplace issuers; rank #1007 of 2055 tracked counties (most first)
Cost Predictability F
$5,349
Average deductible across tracked plans; rank #486 of 2055 tracked counties (lowest first)
Black Hawk ACA plans by premium and deductible
Each marker is the Black Hawk average for one metal tier, monthly premium (age 27) plotted against the average annual deductible, both computed directly from this county's plans. The classic ACA tradeoff is visible: lower-premium Bronze tiers carry the highest deductibles, while Gold and Platinum invert it.
Black Hawk ACA marketplace plans: premium vs deductible
How Black Hawk's Silver premium compares nationwide
2,055 federal-marketplace counties with a tracked Silver average, banded by monthly premium.
Black Hawk vs 2,055 tracked counties
Average Silver premium (age 27), CMS Marketplace Public Use Files
$460 1964th of 2055 higher than 90 of 2,055 counties
Counties, banded by average Silver premium
Each bar is a $1-wide band; taller bars hold more counties. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source CMS Marketplace Public Use Files · 2026-08-30
Issuers in Black Hawk
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Oscar Insurance Company | 20 | $360/mo |
| Medica | 12 | $528/mo |
| Wellmark Health Plan of Iowa, Inc. | 10 | $362/mo |
All Plans in Black Hawk
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| Secure | MercyOne Oscar Insurance Company | Catastrophic | EPO | $259.77 | $316.79 | $10,600 | $10,600 |
| Secure Oscar Insurance Company | Catastrophic | EPO | $310.75 | $378.95 | $10,600 | $10,600 |
| Wellmark Bronze Standard | UnityPoint Health Wellmark Health Plan of Iowa, Inc. | Expanded Bronze | HMO | $288.77 | $352.14 | $7,500 | $10,000 |
| Wellmark Bronze Traditional HMO Wellmark Health Plan of Iowa, Inc. | Expanded Bronze | HMO | $289.57 | $353.12 | $7,200 | $9,900 |
| Bronze Classic Standard | MercyOne Oscar Insurance Company | Expanded Bronze | EPO | $292.21 | $356.34 | $7,500 | $10,000 |
| Wellmark Bronze HDHP HMO HSA Qualified Wellmark Health Plan of Iowa, Inc. | Expanded Bronze | HMO | $295.63 | $360.51 | $8,300 | $8,300 |
| Bronze Simple Diabetes | MercyOne Oscar Insurance Company | Expanded Bronze | EPO | $298.22 | $363.67 | $5,500 | $10,150 |
| Bronze Simple Breathe Easy with Enhanced COPD Benefits | MercyOne Oscar Insurance Company | Expanded Bronze | EPO | $299.89 | $365.70 | $5,500 | $10,150 |
| Bronze Classic 4700 | MercyOne Oscar Insurance Company | Expanded Bronze | EPO | $300.92 | $366.97 | $4,700 | $9,300 |
| Bronze Simple Chronic Care CKM | MercyOne Oscar Insurance Company | Expanded Bronze | EPO | $305.22 | $372.20 | $5,500 | $10,150 |
| Wellmark Standard Bronze HMO Wellmark Health Plan of Iowa, Inc. | Expanded Bronze | HMO | $310.37 | $378.48 | $7,500 | $10,000 |
| Bronze Elite + PCP Saver Plus | MercyOne Oscar Insurance Company | Expanded Bronze | EPO | $319.67 | $389.83 | $0 | $10,600 |
| Bronze Classic Standard Oscar Insurance Company | Expanded Bronze | EPO | $346.95 | $423.09 | $7,500 | $10,000 |
| Inspire by Medica Bronze Share Medica | Expanded Bronze | EPO | $348.51 | $424.99 | $8,000 | $10,600 |
| Inspire by Medica Bronze $0 Copay PCP Visits Medica | Expanded Bronze | EPO | $378.92 | $462.08 | $7,500 | $10,600 |
| Inspire by Medica Expanded Bronze Standard Medica | Expanded Bronze | EPO | $383.50 | $467.66 | $7,500 | $10,000 |
| Medica Insure Expanded Bronze Standard Medica | Expanded Bronze | EPO | $497.16 | $606.27 | $7,500 | $10,000 |
| Silver Classic Standard | MercyOne Oscar Insurance Company | Silver | EPO | $390.47 | $476.17 | $6,000 | $8,900 |
| Silver Simple PCP Saver | MercyOne Oscar Insurance Company | Silver | EPO | $391.48 | $477.40 | $5,000 | $8,500 |
| Silver Simple Breathe Easy with Enhanced COPD Benefits | MercyOne Oscar Insurance Company | Silver | EPO | $392.50 | $478.64 | $6,200 | $9,600 |
| Silver Classic | MercyOne Oscar Insurance Company | Silver | EPO | $395.53 | $482.34 | $5,000 | $8,000 |
| Silver Simple Diabetes | MercyOne Oscar Insurance Company | Silver | EPO | $398.26 | $485.67 | $6,500 | $10,000 |
| Silver Simple Chronic Care CKM | MercyOne Oscar Insurance Company | Silver | EPO | $401.77 | $489.95 | $5,900 | $10,150 |
| Wellmark Silver Primary Care | UnityPoint Health Wellmark Health Plan of Iowa, Inc. | Silver | HMO | $402.20 | $490.46 | $5,700 | $8,000 |
| Silver Simple Women's Health with Menopause Benefits | MercyOne Oscar Insurance Company | Silver | EPO | $403.41 | $491.95 | $6,000 | $10,150 |
| Wellmark Silver Traditional HMO Wellmark Health Plan of Iowa, Inc. | Silver | HMO | $433.44 | $528.57 | $5,000 | $7,500 |
| Wellmark Standard Silver HMO Wellmark Health Plan of Iowa, Inc. | Silver | HMO | $439.79 | $536.31 | $6,000 | $8,900 |
| Silver Classic Standard Oscar Insurance Company | Silver | EPO | $474.31 | $578.40 | $6,000 | $8,900 |
| Inspire by Medica Silver $0 Copay PCP Visits Medica | Silver | EPO | $535.96 | $653.59 | $3,500 | $10,450 |
| Inspire by Medica Silver Share Medica | Silver | EPO | $552.05 | $673.21 | $3,525 | $8,850 |
| Inspire by Medica Silver Standard Medica | Silver | EPO | $560.70 | $683.75 | $6,000 | $8,900 |
| Medica Insure Silver Standard Medica | Silver | EPO | $726.87 | $886.40 | $6,000 | $8,900 |
| Wellmark Gold Primary Care | UnityPoint Health Wellmark Health Plan of Iowa, Inc. | Gold | HMO | $356.61 | $434.87 | $2,300 | $8,000 |
| Gold Classic Standard | MercyOne Oscar Insurance Company | Gold | EPO | $375.93 | $458.44 | $2,000 | $8,200 |
| Wellmark Gold Traditional HMO Wellmark Health Plan of Iowa, Inc. | Gold | HMO | $396.76 | $483.83 | $1,750 | $7,500 |
| Gold Elite | MercyOne Oscar Insurance Company | Gold | EPO | $399.05 | $486.62 | $550 | $6,000 |
| Wellmark Standard Gold HMO Wellmark Health Plan of Iowa, Inc. | Gold | HMO | $403.84 | $492.47 | $2,000 | $8,200 |
| Gold Classic Standard Oscar Insurance Company | Gold | EPO | $448.98 | $547.52 | $2,000 | $8,200 |
| Inspire by Medica Gold $0 Copay PCP Visits Medica | Gold | EPO | $527.47 | $643.24 | $1,500 | $8,800 |
| Inspire by Medica Gold Share Medica | Gold | EPO | $543.25 | $662.48 | $2,500 | $5,900 |
| Inspire by Medica Gold Standard Medica | Gold | EPO | $559.71 | $682.54 | $2,000 | $8,200 |
| Medica Insure Gold Standard Medica | Gold | EPO | $725.59 | $884.83 | $2,000 | $8,200 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $392/mo | $358 | $467 | 14 | 3 |
| 2023 | $420/mo | $386 | $551 | 12 | 3 |
| 2024 | $419/mo | $360 | $571 | 13 | 3 |
| 2025 | $390/mo | $340 | $538 | 10 | 3 |
| 2026 | $460/mo | $390 | $727 | 15 | 3 |
What this means for Black Hawk
Use Black Hawk's own numbers here, not a national average, before you enroll.
- $460/mo Silver average sits in the bottom third of tracked counties nationally -- a subsidized Silver plan can already beat Bronze on total cost here. See how subsidies work
- 42 plans from 3 issuers here -- see how that stacks up against the cheapest counties nationwide. See cheapest counties
Averages and tercile bands are CMS Marketplace Public Use File aggregates for this county; your actual premium depends on your age, household income, and chosen plan.
Frequently Asked Questions
Why is Black Hawk's Silver premium in the lower band?
Black Hawk ranks #1964 of 2055 tracked federal-marketplace counties by average Silver premium (highest = #1; CMS PUF sort). Local Silver avg is $460/mo. See /methodology#corpus-placement.
How many ACA plans are available in Black Hawk, IA?
There are 42 ACA marketplace plans available in Black Hawk from 3 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Black Hawk?
The lowest-premium plan in Black Hawk starts at $289/mo (Bronze tier, age 27). Silver plans start at $390/mo. Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Black Hawk?
The benchmark (second-lowest Silver) premium in Black Hawk is $391/mo for a 27-year-old. This amount determines how much premium tax credit subsidy you may be eligible for.
Why did Black Hawk premiums rise +14.6% year-over-year?
The average age-27 premium in Black Hawk changed by +14.6% between plan years 2025 and 2026, measured across Bronze, Silver, Gold, Platinum and Catastrophic plans. Premium trends are tracked from 2022 to 2026.
What is the average deductible and out-of-pocket maximum in Black Hawk?
The average annual deductible across all plans in Black Hawk is $5,349, and the average out-of-pocket maximum is $9,139. Bronze plans generally have higher deductibles but lower premiums, while Gold and Platinum plans have lower deductibles but higher monthly costs.
Which insurance companies offer plans in Black Hawk?
There are 3 insurance issuers offering ACA marketplace plans in Black Hawk, including Oscar Insurance Company, Medica, Wellmark Health Plan of Iowa, Inc.. Competition among issuers affects plan variety and pricing. More issuers generally mean more choices and potentially lower premiums.
Disclaimer
This page is for informational purposes only and does not constitute insurance or financial advice. Premiums shown are for a 27-year-old non-tobacco user unless otherwise noted. Your actual premium depends on age, location, tobacco use, and subsidy eligibility. Visit HealthCare.gov for official enrollment. Source: CMS Marketplace PUF, PY2026.
Read our methodology - how this data is sourced, computed, and verified.
Counties With a Similar Benchmark Premium
The closest counties nationwide to Black Hawk, IA's $391/mo benchmark premium.
One of 2,054 counties nationwide with a tracked benchmark premium, 5 are shown here.
Nationwide counties with similar marketplace profiles
Two CMS Marketplace peer sets for Black Hawk, IA, both outside IA so the neighborhoods are not state containment (the similar-premium list above may still include same-state rating-area siblings). Peers are drawn from counties with ≥20 plans, the rankings-scale corpus.
Similar benchmark premium
Nearest other-state counties by benchmark premium ($391/mo here).
Similar issuer competition
Nearest other-state counties by issuer count (3 here).
Data sources
Data sourced from the CMS Health Insurance Marketplace Public Use Files. See our methodology for details. Retrieved and formatted by PlainHealthPlan
PlainHealthPlan is rendered directly from CMS Health Insurance Marketplace Public Use Files, no number is typed in by an editor. Plan and premium figures for this county come from the live CMS Marketplace PUF aggregates. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of August 2026.