Many Iowans are going to see their health insurance premiums go way up. Here's how much

Health insurance premiums in Iowa are set to rise sharply in 2026, with increases from 12. 5% to over 25% reported by various insurers. This surge is largely due to the impending expiration of enhanced Affordable Care Act premium tax credits, which provided essential financial support to many middle-income enrollees. Insurers anticipate that the loss of these subsidies will drive healthier individuals out of the ACA market, leaving a higher concentration of sicker and more expensive policyholders. Notably, Medica will increase its average premium by $157 per month, while Iowa Total Care will see a rise of $140 monthly.

The average premium for Medica will reach $743, up from $586, while Iowa Total Care premiums will rise to $662 from $522. Iowans can preview 2026 premiums using the Iowa Individual ACA Premiums Explorer, with final rates accessible on healthcare. gov starting November 1. The enrollment period runs from November 1 to December 15, with coverage beginning on January 1, 2026. Local insurance agents and navigators are available to help residents navigate their options and ensure their healthcare providers remain in-network.