Health Insurance Carriers in Iowa (IA)
In Iowa, there are many options to consider when you go to choose a health insurance plan. On the page, we have summarized our research so that you can easily find the information you need to make a decision. First, review the health insurance carriers we recommend in Iowa. Second, review the list of benefits for Iowa residents, including any restrictions that may be of issue.
Health Insurance Providers in Iowa
American Medical Security
Assurant Health (Formerly Fortis)
Celtic
Clarendon National
Fairmont Specialty Group / TIG
Golden Rule
Midwest Security
Security Life
Request more information about health insurance >>
Individual Health Insurance Coverage in Iowa
- Private companies may deny an applicant because of a health problem.
- When prior health coverage was continuous for more than 12 months, access is guaranteed to private individual health coverage or to the Iowa Comprehensive Health Association plan.
- Those denied individual coverage are guaranteed ICHA.
- Providers may review medical records for the five years prior to coverage and may limit coverage on pre-existing conditions through elimination riders and exclusion periods.
- Pregnancy can be classified as a pre-existing condition, but genetic information cannot.
- Rates for coverage may rise, but there are limits charges due to medical conditions.
- Coverage cannot be cancelled due to illness.
- Standard and basic types of individual insurance must be offered if applicant is eligible.
- Eligibility is based on qualifications relating to loss of health coverage and these should be reviewed through the Iowa Insurance Division.
Group Health Insurance in Iowa
- Qualified employees must be offered coverage even if they have a health problem without being charged more or cancelled due to illness.
- Life changes may create special enrollment for group coverage.
- A waiting period for group coverage may be imposed by a new employer or HMO.
- Insurers can review medical records for the six months prior to coverage, to check for pre-existing conditions.
- Providers can exclude a pre-existing condition from coverage for the first 12 months.
- Creditable coverage may apply to the exclusion period.
Small Business Health Insurance in Iowa
- Small businesses with up to 50 employees cannot be denied group coverage or cancelled or charged more for a policy due to illness in the employee group.
Get more information about health insuranceS >>
Self-Employed Health Insurance in Iowa
- The self-employed may not purchase group health insurance.
- Contact the Iowa Insurance Division for regulations that apply to membership in professional associations which offer group health coverage.
Iowa Insurance Division
330 Maple Street
Des Moines, IA 50319
(515) 281-5705
www.iid.state.ia.us
Iowa Programs
The Iowa Comprehensive Health Association, Medicaid, The Health Insurance Premium Payment Program, AIDS/HIV Health Insurance Premium Payment Program, and the Healthy and Well Kids in Iowa Program provide assistance to qualified residents in the State of Iowa.
Request more information about health insurance >>
