Group Health Insurance for Your Iowa Team.
Plans for 1 to 50 Employees.

Nothing. Our brokerage services are free to you. Carriers compensate us out of premiums they have already filed with the state, so you pay the same amount whether you use a broker or go direct.

Most {n} groups go from first call to active coverage in about one to two weeks, depending on the carrier and your requested effective date. Quotes themselves usually come back the same day.

The carriers active in Iowa's small group market include Wellmark Blue Cross Blue Shield of Iowa, Medica, UnitedHealthcare, HealthPartners, and Avera Health Plans. Iowa runs a community-rated small group market, so your rate is assembled from inputs you can actually see, and state rules cap how far a carrier may move your renewal. We compare what is available to a group your size and present the options that fit, rather than leading with one carrier's product.

No Iowa law requires it. Only the federal ACA employer mandate applies, and only to employers with 50 or more full-time equivalent employees. Iowa expanded Medicaid through the Iowa Health and Wellness Plan, covering adults up to about 138% of the federal poverty level, which changes the math for lower-wage and seasonal rosters.

Traditional group gives fixed, predictable cost with full guaranteed-issue protection. Level funded underwrites your group and can return part of a healthy claims year, which tends to reward younger teams. An ICHRA replaces the group plan with a defined tax-free allowance, and employees would buy those individual plans through Healthcare.gov or off-exchange. Iowa law lets a carrier adjust a small group renewal by up to 15 percent a year based on claim experience, health status, or how long you have held coverage. Iowa also shares the November 15 to December 15 window when small groups can enroll without meeting the usual participation and contribution tests. We price all three against your census before recommending one.