ACA plans available
26
Plan year 2026
CMS Marketplace county · plan year 2026
Humboldt, 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
- $609
- Silver avg/mo
- 26
- ACA plans
- 3
- Issuers
- +27.5%
- YoY premium
Silver avg $609/mo
Humboldt, Iowa has 26 ACA marketplace plans from 3 issuers (plan year 2026). Average Silver premium is $609/mo; Bronze averages $425/mo and Gold $625/mo. Figures are CMS Marketplace Public Use File county aggregates for age-27 rates.
- County Silver corpus place #1243 of 2055 (highest = #1)
- Benchmark (2nd-lowest Silver) $481/mo
- Plan year 2026 CMS PUF
Silver rank is not plan-count rank
According to CMS Marketplace Public Use Files, Humboldt, Iowa ranks #1,243 of 2,055 counties by listed Silver average ($609/mo) and #1,777 of 2,055 by plan count (26 plans).
- #1,243 of 2,055
- Silver average among 2,055 counties
- $609
- Listed Silver average /mo
- #1,777 of 2,055
- Plan count among 2,055 counties
- 26
- 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.
Humboldt, Iowa offers 26 ACA marketplace plans from 3 issuers for plan year 2026. Bronze plans start at $318/mo and Silver plans start at $476/mo (age 27 listed rates). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$609
Avg Silver Premium/mo
$481
Benchmark Premium/mo
+27.5%
Year-over-Year Change
$5,105
Avg Deductible
Thin plan inventory
Humboldt marketplace standing
26 plans: bottom-third inventory vs other tracked counties. Corpus place #1243 of 2055 (highest Silver = #1).
Mid-pack Silver avg $609/mo with 26 plans . YoY average shift: +27.5%. EPO is the most common network type in Humboldt, with HMO rounding out the alternatives.
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
9 plans$425/mo avg
$318 - $600
Silver
9 plans$609/mo avg
$476 - $877
Gold
7 plans$625/mo avg
$436 - $875
Catastrophic plan available: avg $316/mo (1 plan) - only for individuals under 30 or with a hardship exemption.
Benchmark premium & subsidies
The benchmark (second-lowest Silver) premium in Humboldt is $481/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
$481 /mo
Sets your subsidy ceiling
Avg deductible
$5,105
Across all metal tiers
D
Marketplace Access Score
42/100
Humboldt
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 C+
$481/mo
Benchmark Silver premium; rank #1243 of 2055 tracked counties (cheapest first)
Plan Choice F
26 plans
ACA marketplace plan count; rank #1777 of 2055 tracked counties (most first)
Issuer Competition D
3 issuers
Distinct marketplace issuers; rank #1232 of 2055 tracked counties (most first)
Cost Predictability D
$5,105
Average deductible across tracked plans; rank #868 of 2055 tracked counties (lowest first)
Humboldt ACA plans by premium and deductible
Each marker is the Humboldt 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.
Humboldt ACA marketplace plans: premium vs deductible
How Humboldt's Silver premium compares nationwide
2,055 federal-marketplace counties with a tracked Silver average, banded by monthly premium.
Humboldt vs 2,055 tracked counties
Average Silver premium (age 27), CMS Marketplace Public Use Files
$609 1243rd of 2055 higher than 811 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 Humboldt
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Oscar Insurance Company | 10 | $431/mo |
| Medica | 9 | $763/mo |
| Wellmark Health Plan of Iowa, Inc. | 7 | $403/mo |
All Plans in Humboldt
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| Secure Oscar Insurance Company | Catastrophic | EPO | $315.57 | $384.83 | $10,600 | $10,600 |
| Wellmark Bronze Traditional HMO Wellmark Health Plan of Iowa, Inc. | Expanded Bronze | HMO | $318.04 | $387.84 | $7,200 | $9,900 |
| 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 |
| Bronze Classic Standard Oscar Insurance Company | Expanded Bronze | EPO | $352.33 | $429.66 | $7,500 | $10,000 |
| Bronze Classic 4700 Oscar Insurance Company | Expanded Bronze | EPO | $363.12 | $442.81 | $4,700 | $9,300 |
| Bronze Elite + PCP Saver Plus Oscar Insurance Company | Expanded Bronze | EPO | $386.31 | $471.09 | $0 | $10,600 |
| Medica Insure Bronze Share Medica | Expanded Bronze | EPO | $544.89 | $664.48 | $8,000 | $10,600 |
| Medica Insure Bronze $0 Copay PCP Visits Medica | Expanded Bronze | EPO | $592.44 | $722.46 | $7,500 | $10,600 |
| Medica Insure Expanded Bronze Standard Medica | Expanded Bronze | EPO | $599.60 | $731.19 | $7,500 | $10,000 |
| Wellmark Silver Traditional HMO Wellmark Health Plan of Iowa, Inc. | Silver | HMO | $476.07 | $580.55 | $5,000 | $7,500 |
| Silver Simple PCP Saver Oscar Insurance Company | Silver | EPO | $481.15 | $586.74 | $5,000 | $8,500 |
| 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 |
| Silver Classic Oscar Insurance Company | Silver | EPO | $487.97 | $595.06 | $5,000 | $8,000 |
| Silver Simple Diabetes Oscar Insurance Company | Silver | EPO | $491.49 | $599.36 | $6,500 | $10,000 |
| Medica Insure Silver $0 Copay PCP Visits Medica | Silver | EPO | $837.98 | $1,021.89 | $3,500 | $10,450 |
| Medica Insure Silver Share Medica | Silver | EPO | $863.13 | $1,052.56 | $3,525 | $8,850 |
| Medica Insure Silver Standard Medica | Silver | EPO | $876.65 | $1,069.04 | $6,000 | $8,900 |
| 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 |
| Gold Elite Oscar Insurance Company | Gold | EPO | $492.48 | $600.57 | $550 | $6,000 |
| Medica Insure Gold $0 Copay PCP Visits Medica | Gold | EPO | $824.71 | $1,005.70 | $1,500 | $8,800 |
| Medica Insure Gold Share Medica | Gold | EPO | $849.38 | $1,035.78 | $2,500 | $5,900 |
| 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 | $506/mo | $475 | $521 | 3 | 2 |
| 2023 | $516/mo | $454 | $614 | 4 | 2 |
| 2024 | $483/mo | $397 | $636 | 11 | 3 |
| 2025 | $462/mo | $386 | $598 | 9 | 3 |
| 2026 | $609/mo | $476 | $877 | 9 | 3 |
What this means for Humboldt
Use Humboldt's own numbers here, not a national average, before you enroll.
- $609/mo Silver average is mid-pack nationally -- estimate your own subsidy before comparing tiers. Estimate your subsidy
- 26 plans from 3 issuers puts Humboldt in the thinnest third of tracked counties -- check the rest of Iowa for more options. All of Iowa
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
Where does Humboldt sit on Silver premiums vs other counties?
Humboldt ranks #1243 of 2055 tracked federal-marketplace counties by average Silver premium (highest = #1; CMS PUF sort). Local Silver avg is $609/mo. See /methodology#corpus-placement.
Why does Humboldt carry a thin ACA plan book?
Humboldt lists 26 marketplace plans from 3 issuers - a bottom-third inventory vs other tracked counties (plan year 2026).
What is the cheapest health insurance plan in Humboldt?
The lowest-premium plan in Humboldt starts at $318/mo (Bronze tier, age 27). Silver plans start at $476/mo. Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Humboldt?
The benchmark (second-lowest Silver) premium in Humboldt is $481/mo for a 27-year-old. This amount determines how much premium tax credit subsidy you may be eligible for.
Why did Humboldt premiums rise +27.5% year-over-year?
The average age-27 premium in Humboldt changed by +27.5% 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 Humboldt?
The average annual deductible across all plans in Humboldt is $5,105, and the average out-of-pocket maximum is $8,950. 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 Humboldt?
There are 3 insurance issuers offering ACA marketplace plans in Humboldt, 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 Humboldt, IA's $481/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 Humboldt, 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 ($481/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.