- Overview Of Health Insurance In Iowa
- Finding Health Coverage In Iowa
- Iowa Medical Insurance Numbers
- Is Health Insurance Mandatory In Iowa?
Overview Of Health Insurance In Iowa
Iowa, nicknamed the Hawkeye State which came from the fictional hero in The Last of the Mohicans, is known for top-notch farmland, the National Hobo Convention, and the home of sliced bread. Iowa was the 29th state to enter the union, and is the 30th most populous state, and the 26th largest in terms of size and area.
Iowan residents are among the healthiest in the country, finding itself at the number 9 spot in the state health rankings. However, there is always room for improvement when it comes to healthcare, which isn’t just the case for Iowa, but the US as a whole. So, if you’re looking to take care of all of your healthcare needs, here’s what you need to know.
Finding Health Coverage In Iowa
When most people think about leading healthy lives, the first thing that probably pops in their head is staying active in making sure to eat right. While that’s a great place to start, it only accounts for half the battle. What you may not realize is that health insurance is more than just an insurance policy that protects you in the event of an emergency, it actually plays a key role in maintaining your overall health.
Health insurance provides access to a ton of benefits that you may not have thought to seek out otherwise. For example, health insurance typically offers preventive services for little to no money down, and even gets you access to a primary care physician who will keep you on track for a long and healthy life. It’s always a good idea to invest in yourself, so if you’re not covered, here are the best ways to find health insurance in Iowa.
Iowa Open Enrollment Dates
The Open Enrollment Period occurs once every year. It was created through the Affordable Care Act, and is the one time of year that Iowa’s health insurance marketplace is open for all residents. While some states did choose to create their own marketplaces and exchanges, Iowa chose to participate in the federally run and managed marketplace. So, if you’re looking to enroll in coverage for 2019, Iowa’s Open Enrollment Period runs through the following dates:
- November 1, 2018 - December 15, 2018
For many, Open Enrollment will be the time of year where you can find the most affordable coverage options in Iowa. The reason being, health insurance plans offered through the marketplace are not allowed to deny you coverage for pre-existing or chronic health conditions, and can’t even charge you more than someone who is completely healthy. Iowa’s marketplace is also where you can apply for health insurance subsidies and premium tax credits depending on your income. So, if you qualify, the government will help offset the cost of your medical coverage.
Iowa Health Insurance Quotes
If you don’t qualify for health insurance subsidies, you may find yourself in a bit of a predicament. Millions of Americans who don’t qualify for subsidized coverage are finding that they can’t afford health insurance through the marketplace, and are starting to turn to the private sector. If the same thing has happened to you, here’s how FirstQuote Health can help.
FirstQuote Health, specializes in helping residents find the cheapest and most affordable health insurance in Iowa without compromising the quality of your coverage. Plans and pricing tend to vary by the area in which you live, so by entering your zip code, you’ll be able to shop for and compare health insurance quotes in Iowa with ease. You can even opt to talk to an experienced agent who will help point you in the right direction, and help you get covered as soon as today.
Coverage From Iowa’s Best Health Insurance Companies
Not everyone wants to spend the time and energy it takes to shop for new health insurance, which is completely understandable. If you’re already enrolled in coverage and are happy, or you have a provider in mind, then the easiest way for you to get covered will be to enroll directly with one of the best health insurance companies in Iowa. Some of the most popular options include the following:
Keep in mind, when you enroll in coverage directly with a health insurance provider, you’re going to be putting yourself at a disadvantage. While all the companies listed above are reputable with a recognizable brand name, that doesn’t always mean they’re the best fit for you.
Everyone’s healthcare needs are different, so what works for others may not work for you. Make sure you do your research before signing up, because it’s important to see what others are saying. A quick search for reviews online will show you what current and past members have to say about their experience with the company. You can also choose to read up on companies with sites like FirstQuote Health.
Iowa Medical Insurance Numbers
Is Health Insurance Mandatory In Iowa?
No, health insurance is not mandatory in Iowa starting in 2019. The individual mandate, which was created through the Affordable Care Act (ACA), was the piece of legislation that required all Americans to enroll in health insurance or face a penalty come tax season. Passed by President Obama, the mandate was met with some pushback, especially from opponents of the Affordable Care ACt, with many going as far as saying it was unconstitutional.
When President Trump took office, he promised to repeal and replace the Affordable Care Act, but found little success. Instead, he signed an executive order eliminating the individual mandate starting in 2019 in effort to undermine the ACA. Some states chose to create their own versions of the individual mandate, but Iowa was not one of those states.