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As in any state, Iowa health insurance can potentially be unaffordable. In the past nine years, health care costs have risen five times the rate of inflation. To make health care more affordable in Iowa you have several state-sponsored alternatives.
HIPIowa (I love the name),is that state risk pool that provides coverage to those considered uninsurable by private insurance companies. Generally, it's not cheap but it is available if you aren't able to obtain coverage elsewhere.
Iowa-Hawk-I is coverage available for uninsured children whose families meet certain income guidelines. Typically, these may be families who make too much to qualify for Medicaid but who cannot afford private health coverage.
Speaking of Medicaid, it's also available for low-income families in this state, as it is for all states.
If you do not qualify for the low-cost/no-cost health insurance alternatives, you might have to consider a high-deductible/health plan. These are not cushy plans. If you have a health emergency, you will have to pay a high deductible before a coverage kicks in. Before you purchase one, you should try to set up a either a flexible spending account, a health savings account or a health reimbursement account so that you reap whatever tax benefits are available to you for footing the bill for your own insurance. The links are below.
Catastrophic health insurance plans may work for individuals who are unemployed. They usually do not cover office visits or prescriptions before your deductible, some do cover preventive care. Usually they cover 100% of your medical expenses after you meet the deductible.
Some individuals or families may choose full benefit plans with a higher deductible. This will make the premiums more affordable. They can also choose higher deductibles for office visits and prescriptions. With this type of plan it is always a good idea to find a medium between a good sized network and affordable price.
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