Iowa Health Insurance Questions: Answers on Plans, Subsidies, IHAWP, Hawki and Your Rights
These answers cover the Iowa health insurance questions our licensed agents hear most, from HealthCare.gov to Hawki. Call 888-730-6001 weekdays, 9 a.m. to 6 p.m. Eastern, for free help.
Vivna Insurance is an independent, licensed agency, not a government website. Rules, plans, prices and carriers change and vary by county. Confirm details with official sources or a licensed agent.
Iowa Health Insurance Basics
Start here for where Iowans shop, who regulates plans and what kinds of coverage you can buy.
β Where do Iowans buy marketplace health insurance?
Iowans buy marketplace plans through HealthCare.gov, the federal exchange. A licensed agent can enroll you there at no extra cost.
Iowa does not run its own exchange. You can also buy some ACA plans directly from carriers off the exchange, but without tax credits. Most people who qualify for help should apply through HealthCare.gov. Our agents compare plans in your county first.
β Who regulates health insurance in Iowa?
The Iowa Insurance Division regulates insurers and agents that sell fully insured plans in the state.
The division reviews rates, licenses agents and runs the external review program. Its main line is 515-654-6600. Large self-funded employer plans fall under federal Labor Department rules instead. Your plan documents show which type you have.
β How many Iowans buy health insurance on the marketplace?
About 123,000 Iowans picked a marketplace plan during the most recent Open Enrollment, according to KFF.
That was down from about 137,000 the year before. Higher net premiums after the enhanced tax credits ended are a big reason. Even so, about three in four Iowa enrollees still get financial help. A licensed agent can check whether you qualify.
β How many Iowans lack health insurance?
About 6.9% of Iowans under 65 are uninsured in the latest KFF data, below the national rate of 9.8%.
Gaps are more common among farm families, seasonal workers and the self-employed. Some adults also do not realize they may qualify for the Iowa Health and Wellness Plan. Checking both Medicaid and the marketplace is the best first step. Our agents can help.
β Is there a penalty for not having health insurance in Iowa?
No. Iowa has no state health insurance mandate, and the federal penalty is currently $0.
You will not owe a tax penalty for going uninsured. Still, one farm injury or hospital stay can cost thousands of dollars. Missing Open Enrollment can also leave you waiting months for coverage. That risk is why most Iowans keep a plan.
β What kinds of health insurance can I buy in Iowa?
Iowans can choose marketplace plans, Medicaid or Hawki if eligible, short-term and tri-term plans, and supplemental add-ons.
Marketplace plans are the only option with tax credits and full ACA protections. Short-term and tri-term plans can cost less for healthy people but have limits. Supplemental plans pay cash after an accident or illness. An agent can match each option to your needs.
β Does Iowa health insurance cost more through an agent?
No. Marketplace premiums are the same whether you enroll alone or with a licensed agent.
Insurers pay agents, so you never pay Vivna a fee for help. Plus, an agent can compare carriers, check doctors and estimate your tax credit. Vivna is a licensed agency appointed with 50+ carriers. Our agents help Iowans by phone from start to finish.
Iowa Open Enrollment and Special Enrollment
Timing matters in Iowa. Here is when you can enroll, what opens a special window and what to do if your carrier leaves.
β When is Open Enrollment for health insurance in Iowa?
Open Enrollment on HealthCare.gov currently runs from November 1 to January 15.
Enroll by December 15 for coverage that starts January 1. If you enroll between December 16 and January 15, coverage usually starts February 1. Federal rules on the season's length have shifted recently, so confirm dates each fall. We post updates on our Open Enrollment page.
β Can I buy health insurance in Iowa after Open Enrollment ends?
Yes, if a qualifying life event opens a Special Enrollment Period, which usually lasts 60 days.
Common triggers include losing other coverage, moving, marriage, a new baby or adoption. Without a qualifying event, you can still look at short-term, tri-term or supplemental coverage. Medicaid and Hawki also take applications all year. An agent can tell you which path fits.
β What counts as a qualifying life event in Iowa?
Losing coverage, moving, getting married, and having or adopting a child are the most common qualifying events.
Losing job-based coverage or Medicaid is the most frequent trigger. After losing Medicaid, you generally have up to 90 days to pick a plan. A permanent move into Iowa qualifies if you had coverage before the move. Gaining citizenship or leaving incarceration can also qualify. Expect HealthCare.gov to ask for documents that prove the event.
β Can low-income Iowans still enroll in any month?
Not through the old low-income window. Federal law ended premium tax credits for enrollment based on income alone.
However, adults up to about 138% of poverty can apply for the Iowa Health and Wellness Plan any time. Members of federally recognized tribes can also enroll in marketplace plans monthly. Everyone else needs Open Enrollment or a qualifying event. An agent can check your options.
β What happens if I miss Open Enrollment in Iowa?
Without a qualifying event, you usually wait until the next Open Enrollment for a marketplace plan.
In the meantime, healthy Iowans can use a short-term or tri-term plan as a bridge. You can also add dental, vision or supplemental coverage any month. Medicaid and Hawki stay open all year. Call us to plan the bridge.
β Will my Iowa health insurance renew automatically?
Usually yes. HealthCare.gov re-enrolls most people into the same or a similar plan if they do nothing.
But your premium, network and tax credit can all change at renewal. Recent federal law also adds income checks that may limit automatic renewal down the road. So review your plan every fall instead of letting it roll over. A quick agent review can catch a costly surprise.
β What if my Iowa marketplace carrier is leaving?
If your carrier exits, HealthCare.gov usually moves you to a similar plan, but you should still shop yourself.
One carrier with about 4,000 Iowa members has announced it will stop selling individual plans. Losing your plan also gives you a Special Enrollment Period. Compare networks and drug lists before the new plan starts. Vivna can help you find a plan that keeps your doctors.
Iowa Health Insurance Subsidies and Costs
Most Iowa enrollees get help with premiums. These answers explain tax credits, the subsidy cliff and what you might owe at tax time.
β How do health insurance subsidies work in Iowa?
Premium tax credits lower your monthly premium based on income, household size and your local benchmark silver plan.
You can take the credit each month or claim it at tax time. The amount is tied to the second-lowest-cost silver plan in your area. You can then use it on any metal level. Learn more in our health insurance subsidies guide.
β Who qualifies for premium tax credits in Iowa?
Generally, people earning 100% to 400% of the poverty level without affordable job coverage or Medicaid.
In Iowa, most adults up to about 138% of poverty go to the Iowa Health and Wellness Plan instead. You must also file taxes and be lawfully present. Federal law now limits credits for some lawfully present immigrants. An agent can run your numbers in a few minutes.
β Is there a subsidy cliff for health insurance in Iowa?
Yes. The enhanced credits that removed the cliff expired, so income above 400% of poverty gets no credit.
Congress had not renewed the enhanced credits as of our latest review. Farm income can swing above that line in a good year. Pre-tax retirement and HSA contributions can lower the income that counts. Ask an agent where you land.
β How many Iowans get help paying their premium?
About 76% of Iowa marketplace enrollees received financial help at the most recent Open Enrollment, per KFF.
For lower-income households, that help often covers most of the full premium. Still, net costs rose after the enhanced credits ended. As a result, checking your credit each fall is worth the time. Our agents do that check for free.
β What are cost-sharing reductions in Iowa?
Cost-sharing reductions lower deductibles and copays on silver plans for people earning up to 250% of poverty.
You only get these savings on a silver plan. At lower incomes, a silver plan can work almost like a gold or platinum plan. That can mean a deductible of a few hundred dollars instead of several thousand. So never skip silver plans without checking.
β Why can a gold plan cost less than silver in Iowa?
Insurers add the cost of cost-sharing reductions to silver premiums, which can push silver above some gold plans.
This pricing quirk is called silver loading. Because your tax credit grows with silver prices, gold and bronze plans can look cheap after the credit. Some Iowans find a gold plan for nearly the price of silver. Compare every metal level before you choose.
β Are Iowa health insurance rates going up?
Yes, but modestly compared with many states. Approved Iowa rates rose about 5.7% on average in the latest review.
Carriers first asked for more, and regulators trimmed the final numbers. Changes still vary a lot by carrier and plan. People who earn too much for credits feel the full increase. Shopping each fall is the best defense.
β Do I have to pay back a subsidy in Iowa?
Possibly. If your income ends up higher than you estimated, you may repay some or all of the extra credit.
Federal law removed the old repayment caps, so the full excess can be due at tax time. Report raises, crop sales and household changes to HealthCare.gov quickly. Updating mid-year adjusts your monthly credit. That simple step can prevent a large tax bill.
Iowa Medicaid, the Health and Wellness Plan and Hawki
Iowa covers low-income adults through the Iowa Health and Wellness Plan and children through Hawki. Here is who qualifies and what is changing.
β Did Iowa expand Medicaid?
Yes. Iowa covers low-income adults ages 19 to 64 through the Iowa Health and Wellness Plan (IHAWP).
Because of expansion, Iowa has no Medicaid coverage gap for most citizens. Coverage is low cost or free, based on household income. Dental care comes through the Dental Wellness Plan. You apply online through the Iowa HHS benefits portal.
β What is the income limit for the Iowa Health and Wellness Plan?
Adults qualify with income up to 133% of the poverty level, currently about $21,227 a year for one person.
For a household of two, the current limit is about $28,782 a year. Limits rise with family size and update each spring. You must also be an Iowa resident and not eligible for other Medicaid or Medicare. Call Iowa HHS at 800-972-2017 with questions.
β Do I pay anything for the Iowa Health and Wellness Plan?
Possibly. After your first year, a small monthly contribution may apply unless you complete Healthy Behaviors.
Healthy Behaviors are simple steps to protect your health, like a wellness exam. Completing them can keep your coverage free. Whether you owe anything depends on family income. Pay online through the HHS Services Portal if a bill applies.
β Do Iowa Health and Wellness Plan members have to work?
Yes, for many members. Iowa chose to start new federal community engagement rules early, by December 1.
Federal rules generally require 80 hours a month of work, school, training or community service. Earning at least $580 a month, about 80 hours at the federal minimum wage, also meets the rule. People who lose Medicaid over the work rule cannot get marketplace tax credits instead. Exemptions exist for parents of young children, pregnant members and medically frail people. Iowa does not plan to use hardship exceptions for high-unemployment areas. Watch your mail so you never miss a notice.
β Can my children get Hawki in Iowa?
Yes. Hawki covers uninsured children under 19 in working families who earn too much for Medicaid.
Some families pay nothing. Others pay $10 per child each month, capped at $20 per family. The highest tier pays $20 per child, capped at $40. Call Hawki Member Services at 1-800-257-8563.
β Does Hawki include dental coverage?
Yes. Hawki has dental coverage with its own income guidelines and premium tiers.
At lower incomes, dental coverage is free. Higher tiers follow the same premium caps as medical coverage. Regular cleanings help prevent costly problems later. Ask Hawki which tier your family falls into.
β Does Iowa Medicaid cover pregnancy?
Yes. Iowa Medicaid covers pregnant Iowans, with income limits higher than for other adults.
Pregnancy coverage includes prenatal visits, delivery and care after birth. Apply as soon as you learn you are pregnant. Your baby can usually stay covered after birth. Call Iowa HHS at 800-972-2017 for current limits.
β Can I have a marketplace plan while my kids are on Hawki?
Yes. Many Iowa families have parents on a marketplace plan and children on Medicaid or Hawki.
HealthCare.gov screens each family member separately. Children who qualify for Medicaid or Hawki are routed there, not to tax credits. Parents can still get a credit for their own plan. Your agent can help you set up both pieces.
Iowa Health Insurance Carriers and Networks
Carrier choices vary by county in Iowa. These answers cover who sells plans and the health systems people ask about most.
β Which carriers sell marketplace health insurance in Iowa?
Recent rate filings list Wellmark Blue Cross Blue Shield, Oscar, UnitedHealthcare, Iowa Total Care and Avera Health Plans.
Wellmark covers the largest share of Iowa's individual market. Avera Health Plans entered the market recently. Not every carrier sells in every county. Enter your ZIP code with an agent to see your real choices.
β Which Iowa health insurance carriers does Vivna quote?
Vivna can quote Iowa marketplace plans from Oscar, UnitedHealthcare and Blue Cross Blue Shield, where available.
We also offer UnitedHealthcare short-term and tri-term plans, plus dental, vision and supplemental coverage. Vivna is appointed with 50+ carriers nationwide. Our agents compare options side by side at no cost. That way, you see networks and drug lists before you buy.
β Is Wellmark the Blue Cross Blue Shield plan in Iowa?
Yes. Wellmark Blue Cross and Blue Shield is Iowa's Blue plan and its largest individual-market carrier.
Its individual plans are sold through Wellmark Health Plan of Iowa. Blue plans can help if you travel or have family in other states. However, individual plan networks can still be limited. Check your doctors for your exact plan.
β Does Oscar sell health insurance in Iowa?
Yes. Oscar is one of Iowa's larger marketplace carriers, according to recent rate filings.
Oscar plans work with premium tax credits like other marketplace plans. Its service area does not cover every county. Check that your doctors and hospital are included first. Vivna can quote Oscar where it is available.
β How do I check if my doctor is in an Iowa plan's network?
Search the carrier's provider directory for your exact plan name, then call the doctor's office to confirm.
Networks differ even between plans from the same carrier. Also confirm your hospital, lab and pharmacy. Vivna agents can check doctors for you before you enroll. Use our find a doctor tool to get started.
β Which hospital systems matter most in Iowa health insurance networks?
Shoppers most often ask about UnityPoint Health, MercyOne and University of Iowa Health Care.
In northwest Iowa, people also ask about Avera and Sanford Health. Rural residents often rely on local hospitals tied to larger systems. Networks change each year and differ by plan. Always confirm your hospital for your exact plan.
β Should I choose an HMO or a PPO in Iowa?
It depends on your doctors and budget. HMOs usually cost less but limit you to the network.
PPOs allow some out-of-network care but often cost more each month. Plan types vary by carrier and county in Iowa. If you live near a state line, check how each plan treats nearby out-of-state hospitals. Our agents can explain each option.
Iowa Short-Term and Tri-Term Health Insurance
Iowa allows short-term and longer tri-term plans, with extra state protections for plans over a year. Vivna offers UnitedHealthcare options here.
β Is short-term health insurance legal in Iowa?
Yes. Iowa allows short-term health insurance, and Vivna offers UnitedHealthcare short-term plans there.
Short-term plans are not ACA marketplace plans. They can decline applicants based on health history and exclude pre-existing conditions. In return, premiums are often lower for healthy people. They work best as a bridge between other coverage.
β How long can a short-term plan last in Iowa?
Iowa now allows a first term of up to 364 days and up to 36 months in total.
The Iowa Insurance Division updated this guidance after federal enforcement changed. Plans offered for longer than 12 months must include state-mandated benefits. They must also be guaranteed renewable. Each plan's own terms may be shorter.
β What short-term plan lengths does Vivna offer in Iowa?
In Iowa, short-term terms run 3 months to just under 12 months; ask an agent for options.
You pick a start date and a deductible level. Prices depend on your age, ZIP code and plan design. UnitedHealthcare short-term certificates cannot be renewed. Your agent can quote each length side by side.
β Are tri-term health insurance plans available in Iowa?
Yes. Vivna offers UnitedHealthcare TriTerm Medical plans in Iowa for longer coverage.
TriTerm Medical offers nearly 3 years of coverage over three terms with one application; premiums may change. That avoids new health questions at each term. It suits healthy Iowans who expect a long gap in job coverage. Ask us how tri-term compares with marketplace coverage.
β Which companies sell short-term health insurance in Iowa?
The Iowa Insurance Division lists six carriers approved for Iowa-compliant short-term plans.
The list includes Golden Rule Insurance Company, a UnitedHealthcare company, and Companion Life. Buying from a listed carrier helps you avoid look-alike products. The division posts carrier contacts on the state data portal. Vivna quotes UnitedHealthcare short-term plans.
β How do short-term plans treat pre-existing conditions in Iowa?
Short-term plans usually exclude pre-existing conditions and can decline applicants based on health questions.
Insurers often review your recent medical history before paying a claim. So a condition treated before your plan began may not be covered. People with ongoing health needs usually do better on a marketplace plan. ACA plans cannot deny you or charge more for health history.
β Can I get a subsidy on a short-term plan in Iowa?
No. Premium tax credits only apply to marketplace plans, not short-term or tri-term health insurance.
If you qualify for a large credit, a marketplace plan may cost less than short-term coverage. Short-term plans also skip some ACA benefits, often including maternity care. Compare both before you decide. Our agents quote both types side by side.
β When does short-term health insurance make sense in Iowa?
It often fits healthy people between jobs, waiting on employer coverage, or who missed Open Enrollment.
It can also help early retirees who earn too much for tax credits. However, it is not a fit for pregnancy or ongoing treatment. Also, a short-term plan ending does not open a Special Enrollment Period. Plan your next step before the term runs out.
Iowa Surprise Bills, Appeals and Your Rights
Federal law protects Iowans from most surprise bills, and the Insurance Division runs a free external review. Here is how to use both.
β Does Iowa protect me from surprise medical bills?
Yes. The federal No Surprises Act protects Iowans from most surprise bills for emergency care and some facility care.
In covered situations, you generally pay only in-network cost sharing. If you think a provider or insurer billed you wrongly, contact the Iowa Insurance Division. The federal No Surprises Help Desk is 1-800-985-3059. Keep copies of every bill.
β Which bills does the No Surprises Act cover in Iowa?
It covers most emergency care, out-of-network doctors at in-network facilities, and air ambulance flights.
Ground ambulance bills are not covered by the federal law. That matters in rural Iowa, where ambulance rides can be long. Uninsured or self-pay patients can ask for a good faith estimate before scheduled care. Disputes are possible if a bill beats the estimate by $400 or more.
β How do I appeal a denied health insurance claim in Iowa?
Start with an internal appeal to your insurer, usually within 180 days of the denial notice.
Ask for the denial reason in writing and gather records from your doctor. Urgent cases must be decided faster. Keep copies of everything you send. Our claim appeals guide walks through each step.
β How does external review work in Iowa?
After a final denial, you can ask the Iowa Insurance Division for a free, independent external review.
The division assigns the reviewer, and your insurer pays the cost. Standard reviews take up to 45 days. Urgent reviews must be decided within 72 hours. Your doctor can request an urgent review by phone at 515-654-6600.
β How do I file a health insurance complaint in Iowa?
File online with the Iowa Insurance Division or call 515-654-6600.
The division handles complaints about insurers, claims and agents. It cannot take complaints about policies issued in another state. Include your policy number, key dates and copies of letters. Vivna clients can also call us first for help.
β What benefits must Iowa health insurance plans cover?
Marketplace plans must cover ten essential health benefits, including hospital care, prescriptions, maternity and mental health.
Preventive care, like screenings and vaccines, is covered without a copay in network. Plans cannot deny you or charge more for pre-existing conditions. Children's dental and vision are part of the required benefits. Short-term and supplemental plans do not follow these rules.
Iowa Dental, Vision and Supplemental Plans
Major medical is only part of the picture. These answers cover dental, vision, supplemental and life coverage for Iowans.
β Can I buy dental and vision insurance in Iowa any time?
Yes. Stand-alone dental and vision plans sold outside the marketplace can usually be bought any month.
Dental plans sold on HealthCare.gov follow Open Enrollment rules, though. Many private dental plans also have waiting periods for major work. Vivna quotes dental and vision all year. Start with our dental and vision insurance page.
β Do Iowa marketplace plans include adult dental?
Usually not. Adult dental is not a required benefit, though children's dental is.
You can add a stand-alone dental plan during Open Enrollment. Separate dental plans also sell all year outside the marketplace. Compare waiting periods and annual maximums. Ask us about Renaissance Dental and other options.
β Do Iowa marketplace plans include vision coverage?
Children's vision care is included, but routine adult eye exams and glasses usually are not.
Adult vision is not one of the required benefits. A stand-alone vision plan can cover exams, frames and contacts. These plans are often inexpensive and sold all year. Ask us to add one to your quote.
β What supplemental plans can Iowans add to health insurance?
Common add-ons include hospital indemnity, accident, critical illness and cancer plans that pay you cash.
These plans help with deductibles and lost income after a big medical event. Carriers like Aflac offer them alongside major medical. Accident plans can make sense for farm and factory work. Vivna can pair them with your main plan.
β Does supplemental insurance count as health coverage in Iowa?
No. Supplemental plans add cash benefits but do not replace a comprehensive health plan.
They do not count as minimum essential coverage under the ACA. So losing one does not open a Special Enrollment Period. Pair them with a marketplace, employer, short-term or tri-term plan instead. That way, the big bills stay covered.
β Does Vivna sell life insurance in Iowa?
Yes. Vivna offers term and whole life insurance, including plans from Mutual of Omaha.
Life insurance protects your family's income if something happens to you. Farm families often use it to protect land and equipment debt. Term life is usually the lowest-cost option for young families. An agent can size coverage to your needs.
Iowa Health Insurance for Your Situation
Iowa's farms, factories and freight routes create unique coverage needs. Find answers for your job, life stage or move.
β What health insurance can Iowa farm families buy?
Most farm families buy marketplace plans as self-employed households, often with tax credits based on net farm income.
Because farm income swings, estimate carefully and update HealthCare.gov after big sales. Bronze and catastrophic marketplace plans now pair with HSAs under federal law. Self-employed premiums may also be deductible. See our self-employed tax deduction guide.
β What health insurance can seasonal and agricultural workers in Iowa get?
Seasonal workers often use marketplace plans, the Iowa Health and Wellness Plan in low-income months, or short-term coverage.
Losing a seasonal job's health plan opens a Special Enrollment Period. Medicaid looks at current monthly income, which can help between seasons. Short-term plans can bridge gaps for healthy workers. Read our seasonal worker guide.
β What health insurance can Iowa truck drivers get?
Owner-operators and contract drivers usually buy individual marketplace plans, with tax credits if income qualifies.
Iowa sits on major freight routes like I-80 and I-35. Drivers on the road need to know how a plan handles care away from home. Many HMO and EPO plans cover only emergencies outside their area. Read our owner-operator health insurance guide.
β What are my health insurance options if I retire early in Iowa?
Early retirees usually use a marketplace plan, COBRA or a spouse's plan until Medicare at 65. TriTerm Medical can cover a gap of nearly 3 years.
Tax credits depend on your income, not your savings. Careful withdrawals can keep income under the 400% subsidy limit. Healthy retirees above that limit sometimes compare tri-term plans. Our early retirement guide explains the trade-offs.
β What happens to my health insurance if I lose my job in Iowa?
Losing job-based coverage opens a 60-day Special Enrollment Period for a marketplace plan.
You can also elect COBRA, but compare costs first. With lower income, you might qualify for the Iowa Health and Wellness Plan or a larger tax credit. Do not let the 60-day window pass. Call us the week your coverage ends.
β How much does family health insurance cost in Iowa?
It depends on ages, ZIP code, income and plan level, and tax credits often cut the premium sharply.
Children may qualify for Medicaid or Hawki even when parents buy marketplace plans. The family deductible and out-of-pocket maximum matter as much as the premium. Families who use care often may do better on silver or gold. Read our family health insurance costs guide.
β Can college students get health insurance in Iowa?
Yes. Students can stay on a parent's plan until 26, use a school plan, or buy their own coverage.
Students at schools like the University of Iowa or Iowa State should check networks in Iowa City or Ames. A parent's out-of-state HMO may only cover emergencies there. Low-income students may qualify for Medicaid or tax credits. An agent can compare all three paths.
β I just moved to Iowa. Can I get health insurance now?
Usually yes. A permanent move opens a 60-day Special Enrollment Period if you had qualifying coverage before moving.
You generally need at least one day of coverage in the 60 days before the move. Your old plan likely will not work well in Iowa, so switch soon. You can also apply for Medicaid or Hawki at any time. Call us when you arrive to compare local plans.
π More Guides for Iowa Health Insurance Shoppers
Each answer above tackles one Iowa question. These guides from our licensed agents go deeper on costs, coverage and your options. Questions? Call 888-730-6001 Monday through Friday, 9 a.m. to 6 p.m. Eastern.
Iowa Coverage Guides
Related FAQ Libraries
Iowa City Health Insurance Guides
Want answers for your part of Iowa? Our local guides cover nearby hospitals and networks, county help programs and the plans sold in each area.
See the full Iowa health insurance guide, or call 888-730-6001 Monday through Friday, 9 a.m. to 6 p.m. Eastern, for free help from a licensed agent.
Questions About a Neighboring State?
Live near the Iowa border or moving soon? Rules, carriers and help programs change at the state line. See the answers for nearby states:
π Still Have Iowa Health Insurance Questions?
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Help costs you nothing. Request a free quote online, or call 888-730-6001 Monday through Friday, 9 to 6 Eastern. You can also reach us through our contact page.
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Vivna Insurance is an independent, licensed agency, not a government website. Answers reflect current Iowa and federal rules, which can change. Plans, prices and carriers vary by county.