Health insurance plans in Cedar County, IA (2026)
82 marketplace plans from 5 insurers are offered in Cedar County. The cheapest silver plan is $459 a month for a 40-year-old non-smoker before tax credits.
Cheapest monthly premium by metal level (age 40)
| Metal level | Cheapest premium | Plans |
|---|---|---|
| Bronze | $345 | 28 |
| Silver | $459 | 28 |
| Gold | $432 | 23 |
| Catastrophic | $307 | 3 |
All plans in Cedar County
| Insurer | Plan | Metal | Type | Deductible | Out-of-pocket max | Premium (age 40) |
|---|---|---|---|---|---|---|
| Oscar Insurance Company | Secure | MercyOne | Catastrophic | EPO | — | — | $307 |
| Oscar Insurance Company | Bronze Classic Standard | MercyOne | Bronze | EPO | — | — | $345 |
| Wellmark Health Plan of Iowa, Inc. | Wellmark Bronze Standard | UnityPoint Health | Bronze | HMO | — | — | $350 |
| Wellmark Health Plan of Iowa, Inc. | Wellmark Bronze Traditional HMO | Bronze | HMO | — | — | $351 |
| Oscar Insurance Company | Bronze Simple Diabetes | MercyOne | Bronze | EPO | — | — | $352 |
| Avera Health Plans | ConnectPlus $10,600 HSA Eligible HDHP | Catastrophic | PPO | — | — | $354 |
| Oscar Insurance Company | Bronze Simple Breathe Easy with Enhanced COPD Benefits | MercyOne | Bronze | EPO | — | — | $354 |
| Oscar Insurance Company | Bronze Classic 4700 | MercyOne | Bronze | EPO | — | — | $355 |
| Wellmark Health Plan of Iowa, Inc. | Wellmark Bronze HDHP HMO HSA Qualified | Bronze | HMO | — | — | $358 |
| Oscar Insurance Company | Bronze Simple Chronic Care CKM | MercyOne | Bronze | EPO | — | — | $360 |
| Ambetter Health | Everyday Bronze | Bronze | HMO | — | — | $360 |
| Ambetter Health | Standard Expanded Bronze | Bronze | HMO | — | — | $361 |
| Oscar Insurance Company | Secure | Catastrophic | EPO | — | — | $367 |
| Ambetter Health | Everyday Bronze + Vision + Adult Dental | Bronze | HMO | — | — | $376 |
| Wellmark Health Plan of Iowa, Inc. | Wellmark Standard Bronze HMO | Bronze | HMO | — | — | $376 |
| Ambetter Health | Standard Expanded Bronze + Vision + Adult Dental | Bronze | HMO | — | — | $377 |
| Oscar Insurance Company | Bronze Elite + PCP Saver Plus | MercyOne | Bronze | EPO | $0 | — | $377 |
| Oscar Insurance Company | Bronze Classic Standard | Bronze | EPO | — | — | $410 |
| Avera Health Plans | ConnectPlus Standard $7500 HSA Eligible HDHP | Bronze | PPO | — | — | $417 |
| Ambetter Health | Elite Bronze | Bronze | HMO | $0 | — | $418 |
| Oscar Insurance Company | Bronze Classic 4700 | Bronze | EPO | — | — | $422 |
| Medica | Inspire by Medica Bronze Share | Bronze | EPO | — | — | $424 |
| Wellmark Health Plan of Iowa, Inc. | Wellmark Gold Primary Care | UnityPoint Health | Gold | HMO | — | — | $432 |
| Avera Health Plans | ConnectPlus $6500 HSA Eligible HDHP | Bronze | PPO | — | — | $432 |
| Ambetter Health | Elite Bronze + Vision + Adult Dental | Bronze | HMO | $0 | — | $435 |
| Oscar Insurance Company | Gold Classic Standard | MercyOne | Gold | EPO | — | — | $444 |
| Oscar Insurance Company | Bronze Elite + PCP Saver Plus | Bronze | EPO | $0 | — | $449 |
| Avera Health Plans | ConnectPlus $7500 HSA Eligible HDHP | Bronze | PPO | — | — | $454 |
| Ambetter Health | Standard Silver | Silver | HMO | — | — | $459 |
| Oscar Insurance Company | Silver Classic Standard | MercyOne | Silver | EPO | — | — | $461 |
| Medica | Inspire by Medica Bronze $0 Copay PCP Visits | Bronze | EPO | — | — | $461 |
| Oscar Insurance Company | Silver Simple PCP Saver | MercyOne | Silver | EPO | — | — | $462 |
| Oscar Insurance Company | Silver Simple Breathe Easy with Enhanced COPD Benefits | MercyOne | Silver | EPO | — | — | $463 |
| Ambetter Health | Focused Silver | Silver | HMO | — | — | $464 |
| Medica | Inspire by Medica Expanded Bronze Standard | Bronze | EPO | — | — | $467 |
| Oscar Insurance Company | Silver Classic | MercyOne | Silver | EPO | — | — | $467 |
| Oscar Insurance Company | Silver Simple Diabetes | MercyOne | Silver | EPO | — | — | $470 |
| Oscar Insurance Company | Gold Elite | MercyOne | Gold | EPO | — | — | $471 |
| Oscar Insurance Company | Silver Simple Chronic Care CKM | MercyOne | Silver | EPO | — | — | $474 |
| Oscar Insurance Company | Silver Simple Women's Health with Menopause Benefits | MercyOne | Silver | EPO | — | — | $476 |
Showing 40 of 82 plans, cheapest first.
How the premium changes with age
Cheapest silver plan by age (the same plan):
| Age | Monthly premium |
|---|---|
| 21 | $359 |
| 40 | $459 |
| 60 | $975 |
About these numbers
Premiums are the CMS-listed rate for a single non-smoking adult, before any premium tax credit. Most marketplace buyers qualify for a credit based on household income — the actual price can be far lower than the list rate, especially for silver plans. Deductibles and out-of-pocket maximums are for in-network care and vary by plan design. Check doctor and hospital networks before enrolling: a cheaper plan that excludes your doctors is not cheaper.
Related
All counties in Iowa · How to choose a plan · Premium tax credits explained · Metal tiers explained
Frequently asked questions
What is the cheapest health insurance plan in Cedar County County?
The cheapest plan for a 40-year-old non-smoker is $307 a month (Catastrophic metal level) before tax credits, based on 2026 CMS rate filings. The cheapest silver plan, the benchmark for subsidies, is $459.
How much does health insurance cost in Cedar County County?
For a 40-year-old non-smoker the cheapest plans in Cedar County start around $307 a month before subsidies. Silver plans cost from $459; premiums rise with age and tobacco use.
How many insurers offer marketplace plans in Cedar County County?
5 insurers filed 82 plan options for this county in the 2026 CMS file.