Iowa

US Insurance Solutions Offers Iowa Health Insurance Plans at the Lowest Rates Available!

****SPECIAL NOTICE – Read our Annual Federal and Iowa Market Updates****

In Iowa we can help with health insurance solutions for individuals and families as well as small businesses. 

For individuals and families, we offer:

• Alternative Health Plan Solutions
• ACA/Obamacare Plans

For small businesses, we offer: 

• Alternative Level Funded Small Group Plans
• ACA/Obamacare Small Group Plans

 Note: If you would like to discuss your health insurance options, please go to the link above with the image that says CALL ME and schedule a call with me on a day and time that works for you, and I will call you to review your options

The following contains more information about all health plan options that we can provide.

Alternative Health Plan Package Solutions for Individuals and Families

In most cases we can design a comprehensive alternative health plan package with much lower out of pocket costs on most services for 20-40% LESS than high deductible, narrow network ACA/Obamacare plans. 

If you are relatively healthy and don’t qualify for a tax credit subsidy to help pay for an ACA/Obamacare plan, or if you just want to design a better plan for yourself than the “one size fits all” ACA/Obamacare plans, let us help you.

Fixed Benefit Plans:

In Iowa we work with the following companies to provide the highest coverage Fixed Benefit plans available. We combine these Fixed Benefit plans with both Short Term Medical plans (see following) and supplemental health plans (see US Supplemental Coverage) to create a comprehensive, alternative health plan package to meet each client’s specific needs and budget.

	Philadelphia American Life
	ManhattanLife

Short Term Medical Plans:

In Iowa, Short Term Medical (STM) plans are available for duration’s of 30 days up to as long as 36 months! We combine these plans with both Fixed Benefit plans (see above) and supplemental health plans (see US Supplemental Coverage) to create a comprehensive, alternative health plan package to meet each client’s specific needs and budget.

In Iowa we work with the following companies to provide the best available Short Term Medical plans.

	Allstate Health Solutions
	Pivot Health
	United Healthcare

Note:  As noted above, Pivot Health allows you to buy up to four 90-day policies back to back. 

Please see our Short Term Medical plans quote page to access the quote pages and run preliminary quotes for the above company’s plans.

***Sample Alternative Plan Packages in Iowa***

We are in the process of putting together some of the BEST sample alternative plan packages. These packages combine one or both of our Fixed Benefit and Short Term Medical plans (above) with supplemental plans available from the above companies and/or on our US Supplemental Coverage page. 

Please check back in the future, or if you would like to discuss a CUSTOM package for yourself, please schedule a time on my calendar by going to the image above that says CALL ME and schedule a call with me on a day and time that works for you.

ACA/Obamacare Plans for Individuals and Families

In Iowa ACA/Obamacare plans are available through the Federal Marketplace. Insurance companies offering plans vary by county. We work with the following insurance companies in this state: 

Medica Insurance Company

ACA/Obamacare Individual and Family Plan Quotes

Federal Marketplace

In Iowa ACA/Obamacare plans are available on the Federal Marketplace. Please see our ACA/Obamacare Individual Plans Quote Page to run quotes on the Federal Marketplace.

Alternative Level Funded Small Group Plans

For small businesses with fewer than 50 employees, the ACA/Obamacare law applies the same rules to group health insurance plans as it does to individual plans. As a result, businesses that may have younger, healthier people to cover on a group health plan, the ACA/Obamacare fully insured group plans may not be the best option.

Therefore, we offer these companies the choice of going with an alternative level funded health plan. A level funded health plan allows a business to custom design their health benefits. Monthly premiums are fixed just like with an ACA/Obamacare plan. However, premiums on a level funded plan are typically at least 15-20% less than the same plan design on an ACA/Obamacare plan. Plus, in most years with average to below average usage of the plan, there is an opportunity to receive an additional refund at the end of each plan year.

In Iowa we work with the following companies to provide the best available level funded health to meet your specific needs and budget:

	Allstate Benefits Group
	Allied National
	Trustmark Small Business Benefits
	IHC Specialty Benefits
	United Healthcare

Note: We are continuing to look for new companies offering alternative health plan options for small businesses. Because of that we may have other options in addition to the companies listed above.

ACA/Obamacare Small Group Plans

For small businesses with fewer than 50 employees that don’t qualify for a level funded health plan (above) for any reason, we can help with an ACA/Obamacare small group health plan.

In Iowa we work with the following companies to provide the best available ACA/Obamacare small group health plan to meet your specific needs and budget:

Aetna has been committed to providing individuals, families and businesses with innovative health insurance products and services since 1853.
UnitedHealthcare is the nation’s largest insurer. Their individual insurance products are offered by UnitedHealthcare Life Insurance Company and Golden Rule Insurance Company. Their health, dental and vision plans take advantage of the UnitedHealthcare network of providers for quality care at significant savings. These networks and providers are available all over the United States.

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