Iowa Health Insurance
Health insurance in Iowa has gotten a bit more competitive as the percentage of uninsured individuals in the state has jumped from 8.3% to 10.5%. This drastic increase of people without health insurance has caused many people to begin looking for Iowa health insurance. Iowa has a solid history of being one of the healthiest states in which to live in the United States.
Iowa Health Insurance Basics
Purchasing health insurance in any state can be confusing, so it is vital that you carry out the necessary research, in order to find the proper coverage and premiums for your individual situation.
The vast majority of larger employers in Iowa offer health care benefits to their employees. If your company offers coverage, this is likely the most affordable solution for your Iowa health insurance needs. This however, may be a major reason for the recent increase in uninsured individuals. As the unemployment rate in Iowa has recently risen, many have lost their employer provided health insurance, causing them to have to look elsewhere for coverage.
If You’ve Recently Lost Iowa Health Insurance Through Your Employer
Those who have recently lost employer coverage may be eligible for coverage under the IA COBRA laws that guarantee continuous Iowa health insurance coverage for those who were previously employed at a company offering insurance.
Those who do not qualify or cannot afford the payments under a COBRA plan may need to search for an individual or private insurance plan. In Iowa, the insurance division offers many resources to assist residents in finding the right Iowa health insurance plan.
Consumers can use the following online resources or they can research individual insurance plans on their own. Helpful resources offered by the state include:
- Choosing Healthcare in Iowa, The Consumer Report Card
- Iowa Life & Health Guaranty Association
- Insurance Division’s Agent Search
- Find Out if Any Insurance Companies Have Administrative Actions Against Them
Can’t Afford Iowa Health Insurance?
In addition to the assistance provided by the Insurance Division, the state of Iowa also offers various state supported insurance programs for those who cannot otherwise afford insurance coverage.
Those who fall within certain income brackets and household sizes may qualify for any number of Iowa health insurance plans, at little or no out-of-pocket cost. Programs within the state include:
- Hawk-I – The Iowa health insurance program to support low-income children
- Health Insurance Premium Payment – Allows those who qualify for Medicaid to keep current insurance coverage
- IowaCare – Provides limited care to low-income adults who are without Iowa health insurance
- Medicaid for Employed People with Disabilities – Supports employed, disabled individuals by continuing their Iowa health insurance coverage through Medicaid
For more information on the various Iowa health insurance programs available through the state government, you can visit the Iowa Department of Human Services.
Compare Iowa Health Insurance Quotes
To compare all available health insurance policies in the state you can simply click the link at the top of the page to see a side-by-side comparison of all authorized policies in IA state. Checking the rates is free and there is no obligation. Get started today!