Key Facts
Medicaid in Iowa
Iowa expanded Medicaid in 2014 through the Iowa Health and Wellness Plan, extending coverage to thousands of Iowans who previously couldn't afford health insurance. The program provides comprehensive health coverage for eligible low-income individuals and families.
Who Qualifies?
- Adults ages 19-64 with income up to 138% FPL ($20,783/year for individuals)
- Pregnant women with income up to 375% FPL
- Children under 19 through hawk-i (Iowa's CHIP program)
- Seniors and people with disabilities meeting income requirements
Iowa Health and Wellness Plan Benefits
- Doctor visits and preventive care
- Hospital inpatient and outpatient services
- Prescription drug coverage
- Mental health and substance abuse services
- Maternity and newborn care
- Laboratory services
How to Apply
You can apply for Iowa Medicaid through:
- Online at dhs.iowa.gov
- By phone: 1-855-889-7985
- In person at your local Department of Human Services office
- Through a certified application counselor or navigator
Health Insurance Marketplace
Iowa uses the federal Health Insurance Marketplace at HealthCare.gov. Residents can shop for and compare private health insurance plans from multiple carriers.
Available Plan Types
- Bronze: Lower premiums, higher out-of-pocket costs (60% coverage)
- Silver: Moderate premiums and costs (70% coverage) - best for subsidies
- Gold: Higher premiums, lower out-of-pocket costs (80% coverage)
- Platinum: Highest premiums, lowest out-of-pocket costs (90% coverage)
Enrollment Periods
Open Enrollment: November 1, 2024 - January 15, 2025
Outside of Open Enrollment, you may qualify for a Special Enrollment Period if you experience a qualifying life event such as:
- Loss of other health coverage
- Marriage or divorce
- Having a baby or adopting a child
- Moving to Iowa from another state
Average Costs in Iowa
Health insurance costs in Iowa vary based on your age, location, plan type, and tobacco use. Here are typical monthly premiums before subsidies:
| Plan Type | Individual (Age 40) | Family of 4 |
|---|---|---|
| Bronze | $380 - $450 | $1,200 - $1,500 |
| Silver | $480 - $580 | $1,500 - $1,900 |
| Gold | $550 - $650 | $1,700 - $2,100 |
Frequently Asked Questions
Has Iowa expanded Medicaid?
Yes, Iowa expanded Medicaid in 2014 through the Iowa Health and Wellness Plan. Adults earning up to 138% of the federal poverty level ($20,783 for an individual in 2025) may qualify for Medicaid coverage in Iowa.
What is the Iowa Health and Wellness Plan?
The Iowa Health and Wellness Plan is Iowa's Medicaid expansion program that covers low-income adults ages 19-64. The program provides comprehensive health coverage including doctor visits, hospital care, prescriptions, and mental health services.
When is Open Enrollment for Iowa health insurance?
Open Enrollment for 2025 coverage runs from November 1, 2024 through January 15, 2025. Iowa uses the federal marketplace at HealthCare.gov. To have coverage starting January 1, 2025, you must enroll by December 15, 2024.
How much does health insurance cost in Iowa?
The average monthly premium for a benchmark Silver plan in Iowa is approximately $480-580 before subsidies. Many Iowa residents qualify for premium tax credits that significantly reduce costs, with some paying less than $100 per month.
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