Individual and family plans in Iowa and South Dakota

FAQs about individual and family plans

How do I find the right health insurance plan if I’m self-employed?

If you’re self-employed and don’t have employees, you can compare and shop for Wellmark individual and family ACA Marketplace plans.

As you compare plans, consider the deductible, copays, coinsurance, provider network, prescription coverage and whether your doctors and hospitals are in network.

Wellmark individual and family plans are grouped into Bronze, Silver and Gold categories. Bronze plans often have lower monthly premiums and higher out-of-pocket costs, while Gold plans generally cost more each month but may lower what you pay when you get care.

Compare and shop for Wellmark individual and family plans.

How can I shop for and enroll in an individual or family health insurance plan?

Wellmark offers a variety of ACA Marketplace health plans in Iowa and South Dakota.

You can shop and enroll in 3 ways:

• Online: Compare and shop for Wellmark individual and family plans. Enter a few personal details, and you’ll see plan options for your needs and budget.
• Over the phone: Talk to a Wellmark representative by calling 877-877-8414. Wellmark representatives are available 8:00 a.m. to 5 p.m., Monday through Friday.
• With an agent: Talk through Wellmark individual and family plan options with a licensed Wellmark agent. Find an agent near you.

What is a qualifying life event?

A qualifying life event is a significant life change — planned or unplanned — that impacts you and your health insurance coverage. Maybe you got married or divorced, you’re turning 26 or adopting a child. These changes allow you to enroll in a health plan outside of the annual Open Enrollment Period. Learn more about qualifying life events.

My COBRA coverage is ending. What are my health insurance options?

If you recently lost your COBRA health insurance coverage, you can shop for a plan that best fits your lifestyle and budget. Get a personalized health plan quote.

COBRA, or The Consolidated Omnibus Budget Reconciliation Act, offers continued health insurance for a period to individuals and their families when group coverage is lost due to job loss, job transition, divorce, death or other life events. This coverage is often more expensive than what you previously paid for group health coverage, as an employer is no longer paying a portion. COBRA recipients are paying the full premium.