Iowa Code ยง505.19 requires the Commissioner to hold a public hearing on a proposed individual health insurance rate increase which exceeds the average annual health spending growth rate as published by the Centers for Medicare and Medicaid Services of the United State Department of Health and Human Services. For 2026 the growth rate is 5.6%.
The Iowa Insurance Commissioner will hold a public hearing regarding the relevant rate increases on August 19, 2025.
The purpose will be to hear public comments on the proposed increase in the base premium rate. Consumers wishing to make a public comment at the hearing are encouraged to attend the hearing via the live webcast.
All comments received will be considered public records and will be posted at https://iid.iowa.gov/health-insurance-rate-increase-data. The Consumer Advocate will present the public comments received at the hearing.
2026 Golden Rule - Pre-ACA
Golden Rule has requested a new rate increase effective Jan 1, 2026 for Generations 1-22 and 25-27; June 15, 2026 for Gens. 23; and June 1, 2026 for Gen. 24. The requested increase is 24.6%.
2026 Wellmark Inc. - Pre-ACA
Wellmark, Inc. has requested a new rate increase effective Jan. 1, 2026 for individual pre-ACA plans. The increase is an average premium increase of 6.9%, a minimum of 3.0%, and a maximum of 10.6%.
2026 Wellmark Health Plan of Iowa (WHPI) - Pre-ACA
WHPI has requested a new rate increase effective Jan. 1, 2026 for individual pre-ACA plans. The increase is an average premium increase of 3.70%, a minimum of 3.0%, and a maximum of 10.6%.
2026 Wellmark Health Plan of Iowa (WHPI) - ACA
WHPI has requested a new rate increase effective Jan. 1, 2026 for individual ACA plans. The increase is an average premium increase of 12.6%, a minimum of 5.3%, and a maximum of 17.6%.
2026 UnitedHealthcare Plan of the River Valley, Inc. (UHCPRV) - ACA
UHCPRV has requested a new rate increase effective Jan. 1, 2026 for individual ACA plans. The increase is an average premium increase of 15.6%, a minimum of 13.13%, and a maximum of 18.13%.
2026 Oscar Insurance Company (Oscar) - ACA
Oscar has requested a new rate increase effective Jan. 1, 2026 for individual ACA plans. The increase is an average premium increase of 6.6%, a minimum of -1.5%, and a maximum of 30%.
2026 Iowa Total Care - ACA
Iowa Total Care has requested a new rate increase effective Jan. 1, 2026 for individual ACA plans. The increase is an average premium increase of 10.26%.
2026 Medica Insurance Company - ACA
Medica Insurance Company has requested a new rate increase effective Jan. 1, 2026 for individual ACA plans. The overall proposed rate increase is 26.76%, a minimum of 8.74% and 47.73% maximum.
