Medicare Advantage plans in Iowa for 2027

How an Iowa cost plan works

A cost plan has a network like an HMO, but it does not lock you in. If you see a provider outside the network who accepts Medicare, Original Medicare pays as usual and you owe its deductibles and coinsurance. You can join whenever the plan is taking members, even with Part B only, and leave at any time for Original Medicare. Drug coverage can come from the plan or from a separate Part D plan (Medicare.gov, other Medicare health plans). In Iowa, 10 cost plans are filed for 2027, from Medical Associates in Dubuque, Medica and a Mercy plan in Cedar Rapids. Their premiums run well above typical Advantage plans, which buys that freedom.

Plans without drug coverage

Only 32 of Iowa's 51 open plans are Advantage plans that bundle Part D. The rest are cost plans or medical-only plans, which make sense if you hold drug coverage from a former employer or the VA. Without creditable drug coverage, a late Part D penalty builds up month by month.

East against west

Jackson (30), Delaware (29), Fayette (29), Jones (29) lead the state, all in the east along the Mississippi. UnitedHealth Group, Inc. (11), CVS Health Corporation (8), Medical Associates Clinic, P.C. (7), University of Wisconsin Hospitals and Clincs Autho (6), Trinity Health Corporation (5), Humana Inc. (5) file the most open segments; two of them are clinic systems based in Dubuque and in Madison, Wisconsin. In the west and the south, Taylor (1), Davis (4) and Van Buren (5) have the shortest lists.

Drug costs from 2026 to 2027

For 2027 the Part D deductible rises to $700 and the yearly cap to $2,400, from $615 and $2,100. The calculator above compares the two years for the same drugs. Iowa's 9 D-SNPs serve people with Iowa Medicaid. The open list went from 55 plans to 51. See the 2027 Part D deductible.