ACA plans available
58
Plan year 2026
2026 data Public-data reference. official source
Butler, Iowa Health Insurance
Open-data reference.
58 ACA plans from 4 issuers - Plan year 2026
Butler, Iowa offers 58 ACA marketplace plans from 4 issuers for plan year 2026. Silver plans start at $397/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$493
Avg Silver Premium/mo
$398
Benchmark Premium/mo
+24.0%
Year-over-Year Change
$5,170
Avg Deductible
What the Numbers Say About Butler
Butler, Iowa has 58 ACA marketplace plans offered by 4 issuers for plan year 2026. The average Silver-tier premium comes in at $493/mo for a 27-year-old non-tobacco user, with the lowest Silver at $397 and the highest at $877.
The benchmark (second-lowest Silver) premium is $398/mo, the figure used to calculate your Advance Premium Tax Credit (the federal subsidy). Enrollees whose expected income-based contribution falls below this amount receive a subsidy for the difference. Across all plans, the average annual deductible is $5,170 and the average out-of-pocket maximum is $9,063 - numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Butler shifted by +24.0%, a signal of how local issuer pricing and risk-pool dynamics are trending.
Issuer count is one of the strongest predictors of affordability: with 4 issuers active in Butler, consumers have meaningful competition to pressure premiums lower. Network types split fairly evenly here between EPO and HMO, so comparing referral rules and out-of-network coverage across those two matters as much as comparing metal tiers. This page is informational only and is not insurance, medical, or tax advice, verify your eligibility, network coverage, and final pricing at HealthCare.gov before enrolling. Source: CMS Marketplace PUF, plan year 2026.
Premiums by Metal Level
Silver
19 plans$493/mo avg
$397 - $877
Gold
16 plans$520/mo avg
$382 - $875
Catastrophic plan available: avg $290/mo (2 plans) - only for individuals under 30 or with a hardship exemption.
Benchmark Premium & Subsidies
The benchmark premium (2nd-lowest Silver plan) in Butler is $398/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. The higher the benchmark, the larger the potential subsidy.
Issuers in market
4
Competitive market
Benchmark Silver
$398 /mo
Sets your subsidy ceiling
Avg deductible
$5,170
Across all metal tiers
Butler ACA plans by premium and deductible
Each marker is the Butler 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.
Source: CMS Marketplace Public Use Files for Butler, plan year 2026. Each point is the county average for one metal tier (premium age 27 vs average annual deductible).
Issuers in Butler
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Oscar Insurance Company | 20 | $366/mo |
| Ambetter Health | 16 | $438/mo |
| Medica | 12 | $637/mo |
| Wellmark Health Plan of Iowa, Inc. | 10 | $397/mo |
All Plans in Butler
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| Secure | MercyOne Oscar Insurance Company | Catastrophic | EPO | $263.81 | $321.70 | $10,600 | $10,600 |
| Secure Oscar Insurance Company | Catastrophic | EPO | $315.57 | $384.83 | $10,600 | $10,600 |
| Bronze Classic Standard | MercyOne Oscar Insurance Company | Expanded Bronze | EPO | $296.74 | $361.87 | $7,500 | $10,000 |
| Bronze Simple Diabetes | MercyOne Oscar Insurance Company | Expanded Bronze | EPO | $302.85 | $369.32 | $5,500 | $10,150 |
| Bronze Simple Breathe Easy with Enhanced COPD Benefits | MercyOne Oscar Insurance Company | Expanded Bronze | EPO | $304.55 | $371.38 | $5,500 | $10,150 |
| Bronze Classic 4700 | MercyOne Oscar Insurance Company | Expanded Bronze | EPO | $305.60 | $372.66 | $4,700 | $9,300 |
| Bronze Simple Chronic Care CKM | MercyOne Oscar Insurance Company | Expanded Bronze | EPO | $309.95 | $377.98 | $5,500 | $10,150 |
| Wellmark Bronze Standard | UnityPoint Health Wellmark Health Plan of Iowa, Inc. | Expanded Bronze | HMO | $317.17 | $386.77 | $7,500 | $10,000 |
| Wellmark Bronze Traditional HMO Wellmark Health Plan of Iowa, Inc. | Expanded Bronze | HMO | $318.04 | $387.84 | $7,200 | $9,900 |
| Bronze Elite + PCP Saver Plus | MercyOne Oscar Insurance Company | Expanded Bronze | EPO | $324.63 | $395.88 | $0 | $10,600 |
| Wellmark Bronze HDHP HMO HSA Qualified Wellmark Health Plan of Iowa, Inc. | Expanded Bronze | HMO | $324.70 | $395.97 | $8,300 | $8,300 |
| Wellmark Standard Bronze HMO Wellmark Health Plan of Iowa, Inc. | Expanded Bronze | HMO | $340.89 | $415.70 | $7,500 | $10,000 |
| Everyday Bronze Ambetter Health | Expanded Bronze | HMO | $346.33 | $422.34 | $8,450 | $10,150 |
| Standard Expanded Bronze Ambetter Health | Expanded Bronze | HMO | $347.03 | $423.19 | $7,500 | $10,000 |
| Bronze Classic Standard Oscar Insurance Company | Expanded Bronze | EPO | $352.33 | $429.66 | $7,500 | $10,000 |
| Everyday Bronze + Vision + Adult Dental Ambetter Health | Expanded Bronze | HMO | $361.01 | $440.24 | $8,450 | $10,150 |
| Standard Expanded Bronze + Vision + Adult Dental Ambetter Health | Expanded Bronze | HMO | $361.73 | $441.12 | $7,500 | $10,000 |
| Elite Bronze Ambetter Health | Expanded Bronze | HMO | $401.35 | $489.43 | $0 | $10,500 |
| Elite Bronze + Vision + Adult Dental Ambetter Health | Expanded Bronze | HMO | $418.36 | $510.17 | $0 | $10,500 |
| Inspire by Medica Bronze Share Medica | Expanded Bronze | EPO | $420.32 | $512.57 | $8,000 | $10,600 |
| Inspire by Medica Bronze $0 Copay PCP Visits Medica | Expanded Bronze | EPO | $456.99 | $557.29 | $7,500 | $10,600 |
| Inspire by Medica Expanded Bronze Standard Medica | Expanded Bronze | EPO | $462.52 | $564.03 | $7,500 | $10,000 |
| Medica Insure Expanded Bronze Standard Medica | Expanded Bronze | EPO | $599.60 | $731.19 | $7,500 | $10,000 |
| Silver Classic Standard | MercyOne Oscar Insurance Company | Silver | EPO | $396.54 | $483.56 | $6,000 | $8,900 |
| Silver Simple PCP Saver | MercyOne Oscar Insurance Company | Silver | EPO | $397.56 | $484.81 | $5,000 | $8,500 |
| Silver Simple Breathe Easy with Enhanced COPD Benefits | MercyOne Oscar Insurance Company | Silver | EPO | $398.59 | $486.07 | $6,200 | $9,600 |
| Silver Classic | MercyOne Oscar Insurance Company | Silver | EPO | $401.67 | $489.82 | $5,000 | $8,000 |
| Silver Simple Diabetes | MercyOne Oscar Insurance Company | Silver | EPO | $404.44 | $493.21 | $6,500 | $10,000 |
| Silver Simple Chronic Care CKM | MercyOne Oscar Insurance Company | Silver | EPO | $408.01 | $497.55 | $5,900 | $10,150 |
| Silver Simple Women's Health with Menopause Benefits | MercyOne Oscar Insurance Company | Silver | EPO | $409.68 | $499.58 | $6,000 | $10,150 |
| Standard Silver Ambetter Health | Silver | HMO | $441.18 | $538.00 | $6,000 | $8,900 |
| Wellmark Silver Primary Care | UnityPoint Health Wellmark Health Plan of Iowa, Inc. | Silver | HMO | $441.75 | $538.70 | $5,700 | $8,000 |
| Focused Silver Ambetter Health | Silver | HMO | $446.10 | $544.00 | $6,300 | $8,400 |
| Standard Silver + Vision + Adult Dental Ambetter Health | Silver | HMO | $459.87 | $560.80 | $6,000 | $8,900 |
| Focused Silver + Vision + Adult Dental Ambetter Health | Silver | HMO | $465.00 | $567.06 | $6,300 | $8,400 |
| Wellmark Silver Traditional HMO Wellmark Health Plan of Iowa, Inc. | Silver | HMO | $476.07 | $580.55 | $5,000 | $7,500 |
| Silver Classic Standard Oscar Insurance Company | Silver | EPO | $481.67 | $587.38 | $6,000 | $8,900 |
| Wellmark Standard Silver HMO Wellmark Health Plan of Iowa, Inc. | Silver | HMO | $483.04 | $589.05 | $6,000 | $8,900 |
| Inspire by Medica Silver $0 Copay PCP Visits Medica | Silver | EPO | $646.40 | $788.26 | $3,500 | $10,450 |
| Inspire by Medica Silver Share Medica | Silver | EPO | $665.80 | $811.93 | $3,525 | $8,850 |
| Inspire by Medica Silver Standard Medica | Silver | EPO | $676.23 | $824.64 | $6,000 | $8,900 |
| Medica Insure Silver Standard Medica | Silver | EPO | $876.65 | $1,069.04 | $6,000 | $8,900 |
| Gold Classic Standard | MercyOne Oscar Insurance Company | Gold | EPO | $381.77 | $465.56 | $2,000 | $8,200 |
| Wellmark Gold Primary Care | UnityPoint Health Wellmark Health Plan of Iowa, Inc. | Gold | HMO | $391.68 | $477.64 | $2,300 | $8,000 |
| Gold Elite | MercyOne Oscar Insurance Company | Gold | EPO | $405.24 | $494.18 | $550 | $6,000 |
| Wellmark Gold Traditional HMO Wellmark Health Plan of Iowa, Inc. | Gold | HMO | $435.77 | $531.41 | $1,750 | $7,500 |
| Wellmark Standard Gold HMO Wellmark Health Plan of Iowa, Inc. | Gold | HMO | $443.55 | $540.90 | $2,000 | $8,200 |
| Gold Classic Standard Oscar Insurance Company | Gold | EPO | $455.96 | $556.02 | $2,000 | $8,200 |
| Standard Gold Ambetter Health | Gold | HMO | $471.85 | $575.41 | $2,000 | $8,200 |
| Everyday Gold Ambetter Health | Gold | HMO | $479.31 | $584.50 | $800 | $7,250 |
| Standard Gold + Vision + Adult Dental Ambetter Health | Gold | HMO | $491.85 | $599.80 | $2,000 | $8,200 |
| Complete Gold Ambetter Health | Gold | HMO | $496.62 | $605.61 | $1,450 | $7,500 |
| Everyday Gold + Vision + Adult Dental Ambetter Health | Gold | HMO | $499.62 | $609.27 | $800 | $7,250 |
| Complete Gold + Vision + Adult Dental Ambetter Health | Gold | HMO | $517.67 | $631.28 | $1,450 | $7,500 |
| Inspire by Medica Gold $0 Copay PCP Visits Medica | Gold | EPO | $636.16 | $775.78 | $1,500 | $8,800 |
| Inspire by Medica Gold Share Medica | Gold | EPO | $655.19 | $798.98 | $2,500 | $5,900 |
| Inspire by Medica Gold Standard Medica | Gold | EPO | $675.04 | $823.18 | $2,000 | $8,200 |
| Medica Insure Gold Standard Medica | Gold | EPO | $875.10 | $1,067.16 | $2,000 | $8,200 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $407/mo | $353 | $521 | 14 | 3 |
| 2023 | $444/mo | $379 | $614 | 12 | 3 |
| 2024 | $465/mo | $397 | $636 | 13 | 3 |
| 2025 | $436/mo | $386 | $598 | 10 | 3 |
| 2026 | $493/mo | $397 | $877 | 19 | 4 |
Frequently Asked Questions
How many ACA plans are available in Butler, IA?
There are 58 ACA marketplace plans available in Butler from 4 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Butler?
Silver plans in Butler start at $397/mo (age 27). Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Butler?
The benchmark (second-lowest Silver) premium in Butler is $398/mo for a 27-year-old. This amount determines how much premium tax credit subsidy you may be eligible for.
How have premiums changed in Butler?
Average premiums in Butler changed by +24.0% year-over-year. Premium trends are tracked from 2022 to 2026 across all metal levels.
What is the average deductible and out-of-pocket maximum in Butler?
The average annual deductible across all plans in Butler is $5,170, and the average out-of-pocket maximum is $9,063. 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 Butler?
There are 4 insurance issuers offering ACA marketplace plans in Butler, including Oscar Insurance Company, Ambetter Health, Medica, and others. 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 Butler, IA's $398/mo benchmark premium.
Data sources
Data sourced from the CMS Health Insurance Marketplace Public Use Files. See our methodology for details. Retrieved and formatted by PlainHealthPlan Editorial
