ACA plans available
42
Plan year 2026
2026 data Public-data reference. official source
Dallas, Iowa Health Insurance
Open-data reference.
42 ACA plans from 3 issuers - Plan year 2026
Dallas, Iowa offers 42 ACA marketplace plans from 3 issuers for plan year 2026. Silver plans start at $375/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$426
Avg Silver Premium/mo
$376
Benchmark Premium/mo
+27.9%
Year-over-Year Change
$5,349
Avg Deductible
What the Numbers Say About Dallas
Dallas, Iowa has 42 ACA marketplace plans offered by 3 issuers for plan year 2026. The average Silver-tier premium comes in at $426/mo for a 27-year-old non-tobacco user, with the lowest Silver at $375 and the highest at $614.
The benchmark (second-lowest Silver) premium is $376/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 $5,349 and the average out-of-pocket maximum is $9,139 - numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Dallas shifted by +27.9%, a signal of how local issuer pricing and risk-pool dynamics are trending.
Issuer count is one of the strongest predictors of affordability: with 3 issuers active in Dallas, consumers have some competitive choice, though narrower than the most competitive counties. The local market is heavily EPO-dominated -- shoppers who specifically want a HMO network have only a handful of plans to choose from here. 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
15 plans$426/mo avg
$375 - $614
Gold
10 plans$431/mo avg
$354 - $612
Catastrophic plan available: avg $274/mo (2 plans) - only for individuals under 30 or with a hardship exemption.
Benchmark Premium & Subsidies
The benchmark premium (2nd-lowest Silver plan) in Dallas is $376/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
3
Some competition
Benchmark Silver
$376 /mo
Sets your subsidy ceiling
Avg deductible
$5,349
Across all metal tiers
Dallas ACA plans by premium and deductible
Each marker is the Dallas 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 Dallas, plan year 2026. Each point is the county average for one metal tier (premium age 27 vs average annual deductible).
Issuers in Dallas
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Oscar Insurance Company | 20 | $346/mo |
| Medica | 12 | $446/mo |
| Wellmark Health Plan of Iowa, Inc. | 10 | $359/mo |
All Plans in Dallas
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| Secure | MercyOne Oscar Insurance Company | Catastrophic | EPO | $249.77 | $304.58 | $10,600 | $10,600 |
| Secure Oscar Insurance Company | Catastrophic | EPO | $298.78 | $364.35 | $10,600 | $10,600 |
| Bronze Classic Standard | MercyOne Oscar Insurance Company | Expanded Bronze | EPO | $280.95 | $342.61 | $7,500 | $10,000 |
| Bronze Simple Diabetes | MercyOne Oscar Insurance Company | Expanded Bronze | EPO | $286.73 | $349.66 | $5,500 | $10,150 |
| Wellmark Bronze Standard | UnityPoint Health Wellmark Health Plan of Iowa, Inc. | Expanded Bronze | HMO | $286.82 | $349.77 | $7,500 | $10,000 |
| Wellmark Bronze Traditional HMO Wellmark Health Plan of Iowa, Inc. | Expanded Bronze | HMO | $287.61 | $350.73 | $7,200 | $9,900 |
| Bronze Simple Breathe Easy with Enhanced COPD Benefits | MercyOne Oscar Insurance Company | Expanded Bronze | EPO | $288.34 | $351.62 | $5,500 | $10,150 |
| Bronze Classic 4700 | MercyOne Oscar Insurance Company | Expanded Bronze | EPO | $289.33 | $352.83 | $4,700 | $9,300 |
| Bronze Simple Chronic Care CKM | MercyOne Oscar Insurance Company | Expanded Bronze | EPO | $293.46 | $357.86 | $5,500 | $10,150 |
| Wellmark Bronze HDHP HMO HSA Qualified Wellmark Health Plan of Iowa, Inc. | Expanded Bronze | HMO | $293.64 | $358.08 | $8,300 | $8,300 |
| Inspire by Medica Bronze Share Medica | Expanded Bronze | EPO | $294.18 | $358.74 | $8,000 | $10,600 |
| Bronze Elite + PCP Saver Plus | MercyOne Oscar Insurance Company | Expanded Bronze | EPO | $307.36 | $374.81 | $0 | $10,600 |
| Wellmark Standard Bronze HMO Wellmark Health Plan of Iowa, Inc. | Expanded Bronze | HMO | $308.27 | $375.93 | $7,500 | $10,000 |
| Inspire by Medica Bronze $0 Copay PCP Visits Medica | Expanded Bronze | EPO | $319.84 | $390.04 | $7,500 | $10,600 |
| Inspire by Medica Expanded Bronze Standard Medica | Expanded Bronze | EPO | $323.71 | $394.76 | $7,500 | $10,000 |
| Bronze Classic Standard Oscar Insurance Company | Expanded Bronze | EPO | $333.58 | $406.79 | $7,500 | $10,000 |
| Medica Insure Expanded Bronze Standard Medica | Expanded Bronze | EPO | $419.65 | $511.75 | $7,500 | $10,000 |
| Silver Classic Standard | MercyOne Oscar Insurance Company | Silver | EPO | $375.43 | $457.83 | $6,000 | $8,900 |
| Silver Simple PCP Saver | MercyOne Oscar Insurance Company | Silver | EPO | $376.40 | $459.01 | $5,000 | $8,500 |
| Silver Simple Breathe Easy with Enhanced COPD Benefits | MercyOne Oscar Insurance Company | Silver | EPO | $377.38 | $460.20 | $6,200 | $9,600 |
| Silver Classic | MercyOne Oscar Insurance Company | Silver | EPO | $380.29 | $463.75 | $5,000 | $8,000 |
| Silver Simple Diabetes | MercyOne Oscar Insurance Company | Silver | EPO | $382.92 | $466.96 | $6,500 | $10,000 |
| Silver Simple Chronic Care CKM | MercyOne Oscar Insurance Company | Silver | EPO | $386.29 | $471.07 | $5,900 | $10,150 |
| Silver Simple Women's Health with Menopause Benefits | MercyOne Oscar Insurance Company | Silver | EPO | $387.87 | $473.00 | $6,000 | $10,150 |
| Wellmark Silver Primary Care | UnityPoint Health Wellmark Health Plan of Iowa, Inc. | Silver | HMO | $399.48 | $487.15 | $5,700 | $8,000 |
| Wellmark Silver Traditional HMO Wellmark Health Plan of Iowa, Inc. | Silver | HMO | $430.52 | $525.00 | $5,000 | $7,500 |
| Wellmark Standard Silver HMO Wellmark Health Plan of Iowa, Inc. | Silver | HMO | $436.82 | $532.69 | $6,000 | $8,900 |
| Inspire by Medica Silver $0 Copay PCP Visits Medica | Silver | EPO | $452.41 | $551.69 | $3,500 | $10,450 |
| Silver Classic Standard Oscar Insurance Company | Silver | EPO | $456.04 | $556.12 | $6,000 | $8,900 |
| Inspire by Medica Silver Share Medica | Silver | EPO | $465.99 | $568.26 | $3,525 | $8,850 |
| Inspire by Medica Silver Standard Medica | Silver | EPO | $473.28 | $577.15 | $6,000 | $8,900 |
| Medica Insure Silver Standard Medica | Silver | EPO | $613.56 | $748.21 | $6,000 | $8,900 |
| Wellmark Gold Primary Care | UnityPoint Health Wellmark Health Plan of Iowa, Inc. | Gold | HMO | $354.20 | $431.94 | $2,300 | $8,000 |
| Gold Classic Standard | MercyOne Oscar Insurance Company | Gold | EPO | $361.45 | $440.78 | $2,000 | $8,200 |
| Gold Elite | MercyOne Oscar Insurance Company | Gold | EPO | $383.67 | $467.88 | $550 | $6,000 |
| Wellmark Gold Traditional HMO Wellmark Health Plan of Iowa, Inc. | Gold | HMO | $394.08 | $480.56 | $1,750 | $7,500 |
| Wellmark Standard Gold HMO Wellmark Health Plan of Iowa, Inc. | Gold | HMO | $401.12 | $489.15 | $2,000 | $8,200 |
| Gold Classic Standard Oscar Insurance Company | Gold | EPO | $431.69 | $526.43 | $2,000 | $8,200 |
| Inspire by Medica Gold $0 Copay PCP Visits Medica | Gold | EPO | $445.24 | $542.96 | $1,500 | $8,800 |
| Inspire by Medica Gold Share Medica | Gold | EPO | $458.56 | $559.20 | $2,500 | $5,900 |
| Inspire by Medica Gold Standard Medica | Gold | EPO | $472.45 | $576.14 | $2,000 | $8,200 |
| Medica Insure Gold Standard Medica | Gold | EPO | $612.47 | $746.89 | $2,000 | $8,200 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $380/mo | $346 | $451 | 14 | 3 |
| 2023 | $395/mo | $359 | $516 | 13 | 3 |
| 2024 | $390/mo | $337 | $524 | 14 | 3 |
| 2025 | $358/mo | $335 | $454 | 11 | 3 |
| 2026 | $426/mo | $375 | $614 | 15 | 3 |
Frequently Asked Questions
How many ACA plans are available in Dallas, IA?
There are 42 ACA marketplace plans available in Dallas from 3 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Dallas?
Silver plans in Dallas start at $375/mo (age 27). Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Dallas?
The benchmark (second-lowest Silver) premium in Dallas is $376/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 Dallas?
Average premiums in Dallas changed by +27.9% 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 Dallas?
The average annual deductible across all plans in Dallas 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 Dallas?
There are 3 insurance issuers offering ACA marketplace plans in Dallas, 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 Dallas, IA's $376/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
