Iowa Health InsuranceIndividuals and Families

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Iowa Health Insurance
How to find an affordable plan.

If you are a resident of Iowa and you are not enrolled in an employee sponsored plan or are self-employed and looking for private health insurance, Health Insurance Online has the resources to point you in the right direction. Many of the factors that determine your ability to purchase individual health insurance are your current age, health status (pre-existing conditions), and the type of coverage you need. These factors not only affect your ability to sign up for coverage but also the cost of your monthly premium. Historical data has shown that as individuals age their premiums tend to increase as well. There are many options available when choosing individual and family health plans so it is important to research and compare the best health plans to meet your specific needs. HumanaOne of Iowa and Wellmark Blue Cross and Blue Shield are just a couple of the popular private insurance carriers that offer affordable comprehensive health plans that are flexible and tailored for individuals and families. There are also alternatives to individual and family insurance such as COBRA and HIPIOWA-FED. COBRA is a short-term coverage plan that keeps a previous employer’s policy running for a specified period of time so you are never without medical insurance in the interim period while selecting the best health insurance policy that best fits you and your family’s needs. The HIPIOWA-FED program is a federally funded healthcare program offered in Iowa to provide access to health insurance for individuals with pre-existing medical conditions who have been denied coverage from an insurance company. The variety of plans offered in Iowa and the cost associated with each should be thoughtfully researched before making a final decision. The Internet is an indispensable tool to not only view the many carriers available in Iowa but also to compare the prices and details of each plan to make sure you have accurate information available to select an affordable health plan to protect your family.

Leading Iowa Health Insurance Companies

Assurant of Iowa: For over 100 years, Assurant Health has been providing Iowans with affordable health insurance plans that give a high level of value and complete coverage.

Coventry Health Care of Iowa: At Coventry Health Care of Iowa the doctors make the decisions regarding your care, not your insurance company.

HumanaOne of Iowa: HumanaOne offers affordable health insurance coverage for individuals and families, such as self-employed entrepreneurs, students, recent college graduates, and early retirees, and those who may be uninsured.

Wellmark Blue Cross and Blue Shield of Iowa: For nearly a century, Wellmark Blue Cross and Blue Shield has been providing Iowa residents with affordable health insurance coverage.

Getting Started and Choosing the Right Plan

Enrolling in a new Individual or Family health plan has never been easier in Iowa. The vast amount of information online provides individuals the ability to compare and contrast the many policies, prices, and plans available in the state of Iowa. Gone are the days of dealing with high-pressure salesmen and being kept in the dark about the complexities of each insurance company and the plans that they offer. Choosing a health provider is an important process so an individual should be sure to obtain several different quotes from the many providers offered in Iowa and analyze the best plans that best cover their needs. Although choosing the plan with the lowest monthly premium may be the first strategy that comes to mind it is important to be cognizant of your previous medical history and how often you and your family seek medical attention.

Private health insurance has traditionally been the route most Iowans use when selecting their health plan. Several options exist such as individual health plans and employer group plans. For those that are in between jobs many use short term coverage plans such as COBRA to tie them over until enrolling in a new individual or employer sponsored group plan. Although private health insurance is the most common route many Iowans take in selecting health coverage, it is not the only option available in the state of Iowa. Private health insurance options can be expensive for many Iowans so several programs exist for adults and children to provide access to health coverage using public channels. For those that are not eligible for Medicaid there is a health program called IowaCare that provides some health care coverage to individuals who would otherwise have no coverage.

There are also state run programs available in Iowa that families should consider taking advantage of that allow children medical coverage for little or no cost. The savings accumulated from these state programs can be applied toward purchasing coverage for the adults in the family. The Healthy and Well Kids in Iowa (HAWK-I) is a program in Iowa that provides coverage to children in families for several years for little or no cost. The Medicaid for Kids with Special Needs program that provides coverage for children with specific conditions that may not qualify for health coverage otherwise.

Resources and Information

Iowa Medicare Plans

Seniors age 65 and older are eligible for a variety of Medicare plans in Ohio.  Medicare plan options include Medigap and Medicare Advantage policies:

Iowa Doctor Directory

Doctors practicing medicine in the State of Iowa are licensed by the state. Doctors accept different forms of health insurance which you can verify before setting an appointment.

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