Expertise.com

2024

Last updated:

Best Health Insurance Agencies in Iowa

Our Recommended Top 12

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Iowa Health Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

59463Reviewed

35682Curated

12Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website

Expertise.com Rating

Review Sources

Google
5.0 (109)
Facebook
5.0 (12)

Why choose this provider?

AKP Health Insurance serves clients throughout Iowa. The West Des Moines-based agency provides health insurance products, offering ACA and private health insurance plans. Its agents work with clients in navigating their options and choosing the policy that suits their needs. The team also provides dental and vision insurance plans with coverage for eye surgeries and vision tests, dental cleanings, and X-rays. Additionally, the independent agency offers home health insurance and Medicare supplement plans. It serves clients in multiple states, including Georgia, North Carolina, and Texas.

  • Individual Plans

Website

Expertise.com Rating

Review Sources

Facebook
4.8 (22)

Why choose this provider?

For over 20 years, Town & Country Insurance has been serving clients throughout Iowa. The agency provides policies that supplement an individual's Medicare plan. It also sets up plans that cover prescription drug costs. It offers other personal insurance products, including life, property, and vehicle policies. The agency counts Farmers Mutual Hail, Nationwide, Iowa River Mutual, Progressive, and Acuity as part of its roster of partners. It maintains a blog to educate individuals on topics like the state's ATV laws.

  • Over 65
  • Individual Health Insurance
  • Life Insurance

Website

Expertise.com Rating

Review Sources

Facebook
5.0 (12)
Google
4.9 (10)

Why choose this provider?

Southeast Iowa Insurance caters to clients in the entire state who need health coverage. These policies protect individuals in case of unforeseen injury or illness. Life insurance products are also on hand, and property protection options are available for business proprietors, farm and ranch owners, and car enthusiasts. Southeast Iowa Insurance carries various choices from Wellmark, American Mutual, and Farm & Home Mutual. It has been open since 1987 and has two locations across the state.

  • Individual Plans

Website

Expertise.com Rating

Review Sources

Facebook
4.6 (20)

Why choose this provider?

Fortress Insurance Services caters to the financial needs of clients in Iowa. The agency works with major carriers, including MetLife and West Bend, in providing individual health and Medicare supplement insurance. It also aims to support the well-being of employees and their families through group benefits that cover dental, vision, long-term disability, and HMO. In addition, the company handles income and legacy planning for customers who are about to retire. Branch manager Tim Hibbing has written more than 20,000 policies since becoming an agent.

  • Market Place
  • Group Plans

Website

Expertise.com Rating

Review Sources

Google
4.8 (17)

Why choose this provider?

Shomo-Madsen Insurance is a Marshalltown-based agency that deals with clients across Iowa. It prepares health policies that help individuals with chronic medical issues cover costs like doctor visits and inpatient stays. It also assists clients seeking to enroll in a Medicare Advantage plan, which provides prescription drug coverage. For businesses looking to retain employees and recruit skilled talent, the agency offers group health insurance plans. Bobby Shomo, its president, holds a Certified Insurance Counselor designation. He previously worked for firms like Safeco and Allstate.

  • Individual Health Insurance
  • Life Insurance

Website

Expertise.com Rating

Review Sources

Facebook
4.5 (11)
Google
4.9 (9)

Why choose this provider?

Mid-Iowa Insurance caters to companies in the state who need healthcare coverage. The crew provides medicare supplement and prescription policies for the treatment of patients. It has contracts that extend to vision correction and dental work and long-term care options are available, the latter in anticipation of future incapacity. Mid-Iowa Insurance is an independent agency that is free to canvass products from competing carriers without restriction. It has policies from Pekin Insurance, Acuity, and Wellmark.

  • Life Insurance

Website

Expertise.com Rating

Review Sources

Google
5.0 (4)

Why choose this provider?

Legacy Health Consultants has been working with Iowa clients since 2010. The agency offers plans that allow policyholders to cover healthcare-related costs from accidents and illnesses. It also educates them on their Medicare supplemental insurance options, which include policies to help clients manage outpatient hospital-related expenses and prescription drug-related costs. The agency works to create a tailored insurance policy and offers quotes from different carriers, including Medica and BlueCross BlueShield. One of its consultants, Roger Hulbert, once served the U.S. Army as a medic.

  • Individual Health Insurance

Website

Expertise.com Rating

Review Sources

Google
4.8 (52)
Facebook
4.8 (50)

Why choose this provider?

Clemon-Maki Insurance helps individuals and families in the state of Iowa live safer, more secure lives. For more than 30 years, it has been providing a wide array of insurance products, including health and life insurance. The firm's staff members educate clients about the coverages that protect them and their families financially in the event of an unexpected medical event. They also offer HMO plans, hospital indemnity plans, surgical policies, and dread disease policies. Additionally, the independent agency provides homeowners with home insurance.

  • Individual Health Insurance
  • Life Insurance

Expertise.com Rating

Review Sources

Google
5.0 (135)
Facebook
4.9 (135)

Why choose this provider?

Kingsgate Insurance has health insurance options for clients in Iowa. The agency's personal products include healthcare plans that cover the burdens of treating medical maladies. It also has life, collector car, and umbrella policies. Specialty contracts for commercial and industrial entities in the tree trimming and trucking sectors are also available. Kingsgate Insurance relocated to its current location in 1995 and partners with establishments such as the Institute of Workcomp Professionals, Beyond Insurance, and Keystone.

  • Individual Plans

Website

Expertise.com Rating

Review Sources

Google
5.0 (41)
Facebook
4.7 (31)
Yelp
5.0 (3)

Why choose this provider?

Doubleday Insurance Agency provides comprehensive services in and around Iowa. For more than 25 years, it has been serving the risk management needs of families and individuals through its selection of personal lines of insurance. The independent company processes individual and group health insurance to protect policyholders from financial losses due to medical or hospital expenses. It also furnishes customized life, auto, home, and farm insurance. Doubleday Insurance Agency works with carriers such as Aegis, Aviva, and BlueCross BlueShield.

  • Individual Plans

Website

Expertise.com Rating

Review Sources

Facebook
5.0 (15)
Yelp
5.0 (1)

Why choose this provider?

Horak Insurance has been serving clients in the Iowa metro and the surrounding areas since 1928. It offers health and life insurance policies, including group health and Medicare coverage. It also provides personal plans that cover homeowners, recreational vehicles, autos, boats, and motorcycles. In addition, it has commercial insurance policies for business owners to protect them from financial loss. The agency works with various companies like Berkshire Hathaway, EMC Insurance Company, Grinnell Mutual, Hagerty, and MetLife.

  • Medicare Supplement Insurance

Website

Expertise.com Rating

Review Sources

Facebook
5.0 (29)
Google
4.7 (28)
Yelp
5.0 (1)

Why choose this provider?

Adamson Insurance & Associates has been offering its policies to clients throughout Iowa for over two decades. Its staff has a variety of health insurance plans that cover the expenses of emergency surgeries, medical treatments, and routine wellness checkups concerning illnesses or disabilities. Its products, which involve health management and preferred provider organization, are tailored to a client's specific medical preferences or needs. Each product is supported by a range of insurance carriers, from Progressive to MetLife.

  • Individual Plans

FAQs

  • Introduction

    If you're looking for health insurance for yourself or your family, an agent can help you save time, understand your options, and manage your costs. Insurance agents must be licensed in the state where they operate. They can provide information about on- and off-exchange plans to help you weigh all of your options, and they can see if you qualify for tax credits that can lower your monthly premiums. There's no cost to work with an agent, and they can help you save quite a bit by recommending the best plan for your needs. Here's what you should know before you get started.

  • How can you find affordable health insurance? 

    Affordable insurance is available through employers, Medicare, Medicaid, and the federal Health Insurance Marketplace, which offers subsidies in the form of tax credits. You can also purchase coverage through private insurance companies and independent agents. Nearly half of all Americans have employer-sponsored health insurance, and about 10% of the population is uninsured.

  • What is health insurance?

    Health insurance policies are contracts that require an insurer to pay some or all of a beneficiary's health care expenses in exchange for a premium and deductible. Plans cover preventive care and emergency medical services arising from an injury or illness. They may also offer optional coverage for dental and vision.

  • How do health insurance companies make money?

    Health insurance companies make money by collecting premiums from consumers and reinvesting the funds. Federal law requires insurers to put approximately 80-85% of collected funds toward claims, and 15-20% is used to pay for administrative expenses.

  • What is subsidized health insurance?

    Subsidized health insurance is available exclusively through the Health Insurance Marketplace. This system applies federal tax credits that can reduce or eliminate premiums. Tax credits are available to consumers who earn up to 400% of the federal poverty level based on household size.

  • What is a health insurance deductible? 

    A deductible is a fixed amount you must pay out-of-pocket before normal copays or coinsurance rates apply. Under the Affordable Care Act, some services, such as annual physicals and wellness screenings, must be covered at no charge.

  • Is it illegal to not have health insurance?

    No. Starting in 2019, the federal government eliminated the penalty that applied to individuals who could afford health insurance but chose not to purchase it. Financial penalties still apply in California, Massachusetts, New Jersey, Rhode Island, Vermont, and Washington, D.C.

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