ACA plans available
57
Plan year 2026
2026 data Public-data reference. official source
Shelby, Iowa Health Insurance
Open-data reference.
57 ACA plans from 5 issuers — Plan year 2026
Shelby, Iowa offers 57 ACA marketplace plans from 5 issuers for plan year 2026. Silver plans start at $461/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$524
Avg Silver Premium/mo
$467
Benchmark Premium/mo
+36.1%
Year-over-Year Change
$4,875
Avg Deductible
What the Numbers Say About Shelby
Shelby, Iowa has 57 ACA marketplace plans offered by 5 issuers for plan year 2026. The average Silver-tier premium comes in at $524/mo for a 27-year-old non-tobacco user, with the lowest Silver at $461 and the highest at $735.
The benchmark (second-lowest Silver) premium is $467/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 $4,875 and the average out-of-pocket maximum is $9,085 — numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Shelby shifted by +36.1%, a signal of how local issuer pricing and risk-pool dynamics are trending.
Issuer count is one of the strongest predictors of affordability: with 5 issuers active in Shelby, consumers have meaningful competition to pressure premiums lower. 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
18 plans$524/mo avg
$461 — $735
Gold
18 plans$525/mo avg
$459 — $734
Catastrophic plan available: avg $327/mo (1 plan) — only for individuals under 30 or with a hardship exemption.
Benchmark Premium & Subsidies
The benchmark premium (2nd-lowest Silver plan) in Shelby is $467/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
5
Competitive market
Benchmark Silver
$467 /mo
Sets your subsidy ceiling
Avg deductible
$4,875
Across all metal tiers
Shelby ACA plans by premium and deductible
Each marker is the Shelby 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 Shelby, plan year 2026. Each point is the county average for one metal tier (premium age 27 vs average annual deductible).
Issuers in Shelby
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Ambetter Health | 16 | $458/mo |
| UnitedHealthcare | 12 | $470/mo |
| Medica | 12 | $551/mo |
| Oscar Insurance Company | 10 | $446/mo |
| Wellmark Health Plan of Iowa, Inc. | 7 | $425/mo |
All Plans in Shelby
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| Secure Oscar Insurance Company | Catastrophic | EPO | $326.93 | $398.68 | $10,600 | $10,600 |
| Wellmark Bronze Traditional HMO Wellmark Health Plan of Iowa, Inc. | Expanded Bronze | HMO | $335.24 | $408.82 | $7,200 | $9,900 |
| Wellmark Bronze HDHP HMO HSA Qualified Wellmark Health Plan of Iowa, Inc. | Expanded Bronze | HMO | $342.26 | $417.38 | $8,300 | $8,300 |
| Wellmark Standard Bronze HMO Wellmark Health Plan of Iowa, Inc. | Expanded Bronze | HMO | $359.32 | $438.18 | $7,500 | $10,000 |
| Everyday Bronze Ambetter Health | Expanded Bronze | HMO | $362.17 | $441.65 | $8,450 | $10,150 |
| Standard Expanded Bronze Ambetter Health | Expanded Bronze | HMO | $362.89 | $442.54 | $7,500 | $10,000 |
| Bronze Classic Standard Oscar Insurance Company | Expanded Bronze | EPO | $365.01 | $445.12 | $7,500 | $10,000 |
| Elevate by Medica Bronze Share Medica | Expanded Bronze | EPO | $368.32 | $449.15 | $8,000 | $10,600 |
| Bronze Classic 4700 Oscar Insurance Company | Expanded Bronze | EPO | $376.18 | $458.74 | $4,700 | $9,300 |
| Everyday Bronze + Vision + Adult Dental Ambetter Health | Expanded Bronze | HMO | $377.52 | $460.37 | $8,450 | $10,150 |
| Standard Expanded Bronze + Vision + Adult Dental Ambetter Health | Expanded Bronze | HMO | $378.27 | $461.29 | $7,500 | $10,000 |
| UHC Bronze Value ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare | Expanded Bronze | HMO | $393.83 | $480.26 | $8,000 | $10,600 |
| UHC Bronze Standard (No Referrals) UnitedHealthcare | Expanded Bronze | HMO | $395.21 | $481.95 | $7,500 | $10,000 |
| Bronze Elite + PCP Saver Plus Oscar Insurance Company | Expanded Bronze | EPO | $400.21 | $488.04 | $0 | $10,600 |
| Elevate by Medica Bronze $0 Copay PCP Visits Medica | Expanded Bronze | EPO | $400.45 | $488.34 | $7,500 | $10,600 |
| Elevate by Medica Expanded Bronze Standard Medica | Expanded Bronze | EPO | $405.30 | $494.25 | $7,500 | $10,000 |
| UHC Bronze Value+ ($0 Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare | Expanded Bronze | HMO | $407.83 | $497.33 | $8,000 | $10,600 |
| UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare | Expanded Bronze | HMO | $410.56 | $500.66 | $0 | $10,600 |
| Elite Bronze Ambetter Health | Expanded Bronze | HMO | $419.70 | $511.81 | $0 | $10,500 |
| Elite Bronze + Vision + Adult Dental Ambetter Health | Expanded Bronze | HMO | $437.49 | $533.50 | $0 | $10,500 |
| Medica Insure Expanded Bronze Standard Medica | Expanded Bronze | EPO | $502.76 | $613.09 | $7,500 | $10,000 |
| Standard Silver Ambetter Health | Silver | HMO | $461.35 | $562.60 | $6,000 | $8,900 |
| Focused Silver Ambetter Health | Silver | HMO | $466.50 | $568.88 | $6,300 | $8,400 |
| Standard Silver + Vision + Adult Dental Ambetter Health | Silver | HMO | $480.90 | $586.45 | $6,000 | $8,900 |
| Focused Silver + Vision + Adult Dental Ambetter Health | Silver | HMO | $486.27 | $592.99 | $6,300 | $8,400 |
| Silver Simple PCP Saver Oscar Insurance Company | Silver | EPO | $498.46 | $607.85 | $5,000 | $8,500 |
| Silver Classic Standard Oscar Insurance Company | Silver | EPO | $499.00 | $608.52 | $6,000 | $8,900 |
| Wellmark Silver Traditional HMO Wellmark Health Plan of Iowa, Inc. | Silver | HMO | $501.81 | $611.94 | $5,000 | $7,500 |
| UHC Silver Value ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals) UnitedHealthcare | Silver | HMO | $504.20 | $614.86 | $3,500 | $10,600 |
| UHC Silver Standard (No Referrals) UnitedHealthcare | Silver | HMO | $505.09 | $615.94 | $6,000 | $8,900 |
| Silver Classic Oscar Insurance Company | Silver | EPO | $505.52 | $616.47 | $5,000 | $8,000 |
| Wellmark Standard Silver HMO Wellmark Health Plan of Iowa, Inc. | Silver | HMO | $509.16 | $620.90 | $6,000 | $8,900 |
| Silver Simple Diabetes Oscar Insurance Company | Silver | EPO | $509.18 | $620.93 | $6,500 | $10,000 |
| UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare | Silver | HMO | $511.13 | $623.31 | $0 | $10,150 |
| UHC Silver Value+ ($0 Virtual Urgent Care, $3 Tier 2 Rx, Dental + Vision, No Referrals) UnitedHealthcare | Silver | HMO | $518.20 | $631.93 | $3,500 | $10,600 |
| Elevate by Medica Silver $0 Copay PCP Visits Medica | Silver | EPO | $566.43 | $690.74 | $3,500 | $10,450 |
| Elevate by Medica Silver Share Medica | Silver | EPO | $583.43 | $711.47 | $3,525 | $8,850 |
| Elevate by Medica Silver Standard Medica | Silver | EPO | $592.56 | $722.61 | $6,000 | $8,900 |
| Medica Insure Silver Standard Medica | Silver | EPO | $735.05 | $896.37 | $6,000 | $8,900 |
| Wellmark Gold Traditional HMO Wellmark Health Plan of Iowa, Inc. | Gold | HMO | $459.34 | $560.15 | $1,750 | $7,500 |
| Wellmark Standard Gold HMO Wellmark Health Plan of Iowa, Inc. | Gold | HMO | $467.54 | $570.15 | $2,000 | $8,200 |
| Gold Classic Standard Oscar Insurance Company | Gold | EPO | $472.36 | $576.03 | $2,000 | $8,200 |
| UHC Gold Standard (No Referrals) UnitedHealthcare | Gold | HMO | $482.18 | $588.01 | $2,000 | $8,200 |
| Standard Gold Ambetter Health | Gold | HMO | $493.43 | $601.72 | $2,000 | $8,200 |
| UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals) UnitedHealthcare | Gold | HMO | $494.76 | $603.34 | $0 | $9,000 |
| UHC Gold Advantage ($0 Virtual Urgent Care, $1 Tier 2 Rx, No Referrals) UnitedHealthcare | Gold | HMO | $500.07 | $609.82 | $1,000 | $8,500 |
| Everyday Gold Ambetter Health | Gold | HMO | $501.23 | $611.23 | $800 | $7,250 |
| Gold Elite Oscar Insurance Company | Gold | EPO | $510.20 | $622.18 | $550 | $6,000 |
| UHC Gold Advantage+ ($0 Virtual Urgent Care, $1 Tier 2 Rx, Dental + Vision, No Referrals) UnitedHealthcare | Gold | HMO | $514.07 | $626.89 | $1,000 | $8,500 |
| Standard Gold + Vision + Adult Dental Ambetter Health | Gold | HMO | $514.34 | $627.22 | $2,000 | $8,200 |
| Complete Gold Ambetter Health | Gold | HMO | $519.33 | $633.30 | $1,450 | $7,500 |
| Everyday Gold + Vision + Adult Dental Ambetter Health | Gold | HMO | $522.47 | $637.14 | $800 | $7,250 |
| Complete Gold + Vision + Adult Dental Ambetter Health | Gold | HMO | $541.34 | $660.14 | $1,450 | $7,500 |
| Elevate by Medica Gold $0 Copay PCP Visits Medica | Gold | EPO | $557.46 | $679.80 | $1,500 | $8,800 |
| Elevate by Medica Gold Share Medica | Gold | EPO | $574.13 | $700.13 | $2,500 | $5,900 |
| Elevate by Medica Gold Standard Medica | Gold | EPO | $591.52 | $721.34 | $2,000 | $8,200 |
| Medica Insure Gold Standard Medica | Gold | EPO | $733.76 | $894.79 | $2,000 | $8,200 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $472/mo | $432 | $498 | 4 | 2 |
| 2023 | $489/mo | $433 | $587 | 6 | 2 |
| 2024 | $474/mo | $407 | $609 | 13 | 3 |
| 2025 | $417/mo | $365 | $544 | 19 | 5 |
| 2026 | $524/mo | $461 | $735 | 18 | 5 |
Health Insurance Guides
Choosing a Metal Level
Bronze vs Silver vs Gold vs Platinum — which tier fits your needs and budget
Understanding ACA Subsidies
How premium tax credits work and how to estimate your subsidy amount
Explore Iowa ACA Data
All of Iowa
Statewide premiums, every county ranked by Silver average
Cheapest states
Where ACA premiums are lowest nationwide
Estimate your subsidy
Premium tax credit calculator using your county benchmark
Frequently Asked Questions
How many ACA plans are available in Shelby, IA?
There are 57 ACA marketplace plans available in Shelby from 5 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Shelby?
Silver plans in Shelby start at $461/mo (age 27). Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Shelby?
The benchmark (second-lowest Silver) premium in Shelby is $467/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 Shelby?
Average premiums in Shelby changed by +36.1% 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 Shelby?
The average annual deductible across all plans in Shelby is $4,875, and the average out-of-pocket maximum is $9,085. 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 Shelby?
There are 5 insurance issuers offering ACA marketplace plans in Shelby, including Ambetter Health, UnitedHealthcare, 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.
Related
Data sourced from the CMS Health Insurance Marketplace Public Use Files. See our methodology for details. Retrieved and formatted by PlainHealthPlan Editorial
