Health insurance plans in Linn County, Iowa (2027)

• 3carriers selling 2027 marketplace plans in Linn County
• 36plans on the Linn shelf, from 13 bronze to 11 gold
• $536benchmark silver for a 40 year old in Linn, full price per month

Who sells marketplace plans in Linn County

Linn County and Polk County, the two Iowa counties I track, have the same number of carriers, three each. Across all 79 counties and parishes I track, 58 have more carriers than Linn. Ambetter Health alone accounts for 17 of the 36 plans in Linn, 47 percent of the shelf, so a lot of what you see when you shop is one company's lineup in different metal levels.

Linn plan counts from the CMS 2027 landscape file (county FIPS 19113, Rating Area 6). Bronze includes expanded bronze, and companies CMS lists under more than one legal issuer are grouped with the legal names underneath.

What changed in Linn County for 2027

What it costs in Linn County before any subsidy

These are the full monthly prices, before any premium tax credit, for the cheapest Linn plan at each metal level. I show the sticker price because it is what your subsidy is subtracted from, and most people who enroll in Linn pay less, often a lot less.

Benchmark silver is the second lowest of the 12 silver premiums listed for Linn. The last column is two adults aged 40 plus two children.

What these numbers mean if you live in Linn County

The gold row is the surprise in Linn County. The cheapest gold plan for a 40 year old, $471 a month, is $22 cheaper than the cheapest silver plan at $493. That happens because Iowa carriers load the cost of the extra silver discounts into silver premiums. If your income is too high for those discounts, silver is the worst value on the Linn shelf, and a gold deductible here tops out at $2,500.

In Linn County the benchmark is $177 above the cheapest bronze at age 40, and 32 of the other 78 counties and parishes I track have a narrower one. That gap decides whether bronze can be free, because your subsidy is the $536 benchmark minus what the government expects you to pay from your income. A 40 year old in Linn whose expected share is $177 a month or less would pay nothing for the cheapest bronze. At 60 the Linn gap grows to $375 and at 21 it shrinks to $138, which is why older enrollees are the ones most likely to find a $0 plan.

Polk County, around Des Moines, is the other Iowa county I track. Compared with Polk County, the Linn benchmark is $54 higher at 40 and the cheapest bronze is $4 higher. The same three carriers sell in both, so moving between Linn and Polk changes the price you pay but not the companies you can pick from.

Linn plans by metal level, network and deductible

There is not a single PPO on the 2027 marketplace in Linn County. The 36 plans split into 27 HMO and 9 EPO. Outside emergencies, the 9 EPO and 27 HMO plans in Linn generally pay nothing out of network, so the network list matters more than the premium. 4 plans in Linn have a $0 medical deductible (3 expanded bronze and 1 gold). The 3 bronze ones among them still have out of pocket maximums of $11,800 to $12,000, so a $0 deductible does not mean a small bill.

2027 plans for Linn County

These are the 2027 plans and prices for Linn County, from the CMS plan file released at the end of October 2026. Open enrollment for 2027 coverage in Iowa runs from November 1, 2026 to January 15, 2027, and December 15 is the last day to pick a plan that starts January 1. If you already have a Linn plan, compare before you let it renew, because your carrier and your benchmark may both have changed.

Questions about Linn County coverage

More for Linn County residents

• Health insurance brokers in Iowa, how to choose one and what it costs
• Every 2027 carrier change in Iowa
• How Linn compares with the other 78 counties and parishes I track
• Estimate a Linn subsidy