If you’re concerned about getting medical coverage as soon as possible, there is an option that can help in case of an accident or serious illness. Short-term insurance plans in Iowa can cover you when you’re between jobs, if you need medical coverage before Medicare coverage kicks in, or if you missed the deadline for the Affordable Care Act’s (ACA) Open Enrollment Period. 

Can I Buy Short-Term Health Insurance in Iowa?

Yes, Iowans can purchase short-term health plans with durations up to one year with the ability to reapply for your policy for up to three years (364 days) of coverage.1

But before you purchase a plan, understand that this type of temporary health insurance does not provide the same amount of coverage or protections as a marketplace plan. Short-term health policies are not fully comprehensive and do not necessarily include essential benefits such as maternity care or prescription drugs. In addition, people with preexisting conditions can denied enrollment.

Each state is responsible for setting its own regulations for short-term health insurance, so these regulations may change.2

How Affordable is Iowa Short Term Health Insurance?

Premiums for short-term health insurance in Iowa can average around $104 per month.* Individual plans can vary, but in general, short-term plans with low premiums often come with high out-of-pocket costs such as deductibles and copays. And fewer services are covered. 

That can a be a great deal for healthy people who don’t require frequent doctor visits. But for others, those expenses can add up. If you do need more comprehensive coverage, an individual plan sold on the health insurance exchange might be a better overall value.

Ready to Apply for an Iowa Short-Term Health Insurance Plan? 

Compare available short-term insurance plans in Iowa with HealthMarkets today. Your coverage could start as soon as the day after you apply. Compare available plans from nationally recognized companies now.


1.Iowa.gov. Retrieved from https://iid.iowa.gov/health-insurance Accessed February 23, 2021. | 2.CBO. September 2020. Retrieved from https://www.cbo.gov/publication/56622 

*Average based on premiums for all 2021 short-term health plans sold by HealthMarkets for a 40-year-old non-smoking male making $30,000 per year living in Cedar Rapids, IA.

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