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Iowa Stopgap Measure

The Iowa Stopgap Measure is a short-term solution to bring stability for Iowans dealing with the effects of the collapsing individual health insurance market due to the Affordable Care Act (ACA).  Without the Iowa Stopgap Measure, 20,000 more Iowans will likely be forced to go uninsured due to skyrocketing premium costs under the ACA according to the economic and actuarial analysis.

The Iowa Stopgap Measure is being submitted as a "1332 waiver" for approval by the federal Centers for Medicare and Medicaid Services (CMS).  As a part of the waiver process the Iowa Insurance Division must have had an economic and actuarial analysis, held public hearings and collected public comments.


Stopgap.Iowa.Gov is now live and providing the most up-to-date information on the Iowa Stopgap Measure.   Following approval by the federal government Iowans will visit to complete an eligibility application.  Iowans will then receive an eligibility code and premium credit for each eligible individual wishing to purchase coverage via mail to purchase coverage with the participating health insurance carrier of their choice.


Supplements to the Waiver Application

Iowa has submitted two supplements to the original 1332 waiver application in regards to cost sharing credits.

Supplement submitted to CMS on October 5, 2017 (supercedes the previous supplement)

Supplement submitted to CMS on September 20, 2017 (superceded by the October 5, 2017 supplement)


Press Release

Iowa Submits Stopgap Measure for Federal Approval - August 22, 2017


Final 1332 Waiver Request

View the final Iowa Stopgap Measure waiver request - August 22, 2017


Iowa Stopgap Measure Economic and Actuarial Analysis

View the Economic and Actuarial Analysis - August 9, 2017


Iowa Stopgap Measure Payment Summary

View the document here - August 22, 2017


Anticipated Iowa Stopgap Measure Premiums, Anticipated Premium Credits and Anticipated Net Rates

The percentages shown below are based on the percentage of Federal Poverty Level for the household income.


Poverty Level Guidelines

Household income divided by the poverty guideline amount based on household composition (shown below) equals the percentage of Federal Poverty Level to be used in the chart above.


Iowa Stopgap Measure Public Hearings

July 19, 2017 in Council Bluffs. The video is available at  View the court reporter transcript.

August 2, 2017 in Des Moines.  The video is available at  View the court reporter transcript.

August 10, 2017 in Cedar Rapids.  5:30 - 6:30 p.m. at the Cedar Rapids Public Library, Beems A/B Room, 450 5th Avenue SW, Cedar Rapids, 52401. View the court reporter transcript.


August 14, 2017 in Des Moines. 5:30 - 6:30 p.m. at the Des Moines Social Club, Culinary Loft Meeting Room, 900 Mulberry Street, Des Moines, 50309. Watch the live stream via Periscope at View the court reporter transcript.


Iowa Stopgap Measure Public Comments

CMS has provided a letter of completeness triggering the beginning of a 30-day federal comment period regarding the Iowa Stopgap Measure. Iowans are encouraged to submit comments regarding the Iowa Stopgap Measure to CMS Administrator Seema Verma and Center for Consumer Information & Insurance Oversight (CCIIO) Director Randy Pate by email at and include Iowa Section 1332 Waiver Comments in the subject heading. Please include your name, organization (if any), and email address with the comments.

Read all submitted comments during the state public comment period at


Iowa Stopgap Measure Drafts Submitted to CMS

Proposed Stopgap Measure - June 12, 2017.

Iowa Stopgap Measure - July 13, 2017.