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Iowa Health Insurance

According to the Center for Disease Control, an average of 9.5% of Iowa residents had no Iowa health insurance each year between 2001 and 2003.

Iowa Health Insurance Regulations

All Iowa health insurance policies are required to have a guaranteed renewability provision which allows any individual to right to renew an existing Iowa health insurance policy as long as they have paid the premiums and have provided no false information.

Iowa health insurance companies can have pre-existing condition exclusion periods. This means that the Iowa health insurance plan will not cover any medical condition diagnosed or treated prior to the beginning of the Iowa health insurance plan. The pre-existing condition exclusion period can last no more than 12 months. If an individual has continuous Iowa health insurance coverage for more than 12 months there can be no pre-existing exclusion period since the new Iowa health insurance plan credits the old Iowa medical insurance for the exclusion period.

Coverage under employer Iowa health insurance is guaranteed and cannot be denied or limited based on Iowa health insurance law. Individual Iowa medical insurance, however, can be denied to any Iowa resident base on age or health. Once obtained, Iowa health insurance cannot be terminated based on health.

Iowa health insurance rates vary depending on age and health. There are no limits for Iowa health insurance rates. Temporary and conversion Iowa health insurance plans are available through different companies and must be applied for within 31 days after the end of the old Iowa health insurance plans. Temporary Iowa medical insurance is an option for individuals who are between jobs or between Iowa health insurance plans.

Alternative Iowa Health Insurance Options

Some Iowa residents may be considered “uninsurable” or may not be able to obtain access to Iowa health insurance. State programs are available to those who need help getting Iowa medical insurance:

  • Iowa Medicaid is available to those who meet qualifying and eligibility requirements.
  • Iowa Comprehensive Health Association is Iowa’s high-risk pool for those who may be considered “uninsurable” but may qualify to purchase an Iowa health insurance policy through a group plan. Pre-existing condition period may apply.
  • Hawk-I is the Iowa health insurance program for children under 19 whose families do not qualify for Medicaid and who might otherwise be unable to afford Iowa health insurance.

Iowa Insurance Division

Iowa Insurance Division
330 Maple St.
Des Moines, IA 50319-0065
Des Moines Area: 515-281-5705
Toll Free (within Iowa): 877-955-1212
Fax: 515-281-3059

For other Iowa Insurance Resources, See:

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