Ambetter Health Offers Health Insurance in Iowa in 2026

Rhea-AI Summary

Ambetter Health (NYSE:CNC) will offer Health Insurance Marketplace plans in 58 Iowa counties for plan year 2026. Open enrollment runs Nov. 1, 2025–Jan. 15, 2026, with Dec. 15, 2025 as the deadline to enroll for coverage starting Jan. 1, 2026.

2026 benefits include all essential health benefits, some plans with dental and vision, 24/7 virtual care (cost sharing may apply), and the My Health Pays wellness program that lets members earn up to $500 in rewards for healthy activities, usable for premiums, copays, and deductibles (pharmacy copays excluded).

Positive

• Offered in 58 Iowa counties for 2026
• Open enrollment window Nov 1, 2025–Jan 15, 2026
• My Health Pays rewards up to $500
• Includes virtual 24/7 care access

Negative

• My Health Pays rewards cannot be used for pharmacy copays
• Rewards expire upon termination of coverage
• Virtual care cost sharing may apply and HSA rules vary

During open enrollment, starting Nov. 1, residents can access affordable Ambetter Health plans in 58 counties   

DES MOINES, Iowa, Nov. 3, 2025/PRNewswire/ -- Ambetter Health, a product offered by a Centene Corporation (NYSE: CNC) company, a leading healthcare enterprise that provides insurance to under-insured and uninsured populations through the Health Insurance Marketplace®, will offer a variety of affordable health insurance plans to Iowans in 58 counties for plan year 2026. The open enrollment period for the Health Insurance Marketplace runs from Nov. 1, 2025, through Jan. 15, 2026. Enroll by Dec. 15, 2025, for coverage starting Jan. 1, 2026. 

Ambetter Health offers its members access to quality care and convenient services. 2026 benefits and offerings include:  

• Affordable and Reliable Coverage: 
  
  Ambetter Health provides coverage for all essential health benefits, including preventive and wellness services, maternity and newborn care, pediatric services, mental health services, hospitalizations and prescription drug coverage. Some plans also include dental and vision coverage.
  
  
• Convenient Online Enrollment: 
  
  Through the Ambetter Health website, people can browse and compare coverage options, determine their eligibility for financial subsidies and directly enroll in coverage — all in one place. The platform is accessible through mobile devices, so people can enroll using smartphones. If a person is unable to complete enrollment all at once, the system will save progress and provide reminders to finish enrollment.
  
  
• My Health Pays*: 
  
  Members have access to the My Health Pays® program, where they can earn points for practicing healthy eating habits, staying active, and leading a healthy lifestyle. Through the program, members can complete health-related activities and challenges to earn up to $500 in rewards in 2026. These rewards can be used for health-related expenses such as premiums, copays and deductibles (pharmacy copays are excluded). Rewards can be used for everyday items and pharmacy copays, and Iowa members are able to use their My Health Pays prepaid debit Visa card at Hy-Vee. My Health Pays also allows members to set and reach health goals at their own pace by providing seasonal suggestions for activities and guidance to help stay on track.
  
  
• Virtual 24/7 Care**: 
  
  Virtual 24/7 Care offers members a licensed provider via telehealth for members to access care for illnesses such as flu, skin conditions, ear infections, fever and respiratory infections — all from the comfort of their home.

The full list of 58 counties in which Ambetter Health will be offered can be found at ambetterhealth.com/en/ia/health-plans/coverage-map . 

Iowa residents interested in learning more about Ambetter Health Plan or enrolling in a health plan during the open enrollment period may visit ambetterhealth.com/en/ia .

About Ambetter Health
Ambetter Health serves under-insured and uninsured populations through the federal Health Insurance Marketplace. Ambetter Health is underwritten by Iowa Total Care, Inc., which is a Qualified Health Plan issuer in Iowa. For more information, please visit ambetterhealth.com/en/ia/ . This is a solicitation for insurance. For information on your right to receive an Ambetter Health plan free of discrimination, or your right to receive language, auditory and/or visual assistance services, please visit ambetterhealth.com/en/ and scroll to the bottom of the page.

*Healthcare-related costs will vary by member and the plan in which you are enrolled. Funds expire immediately upon termination of insurance coverage. My Health Pays® rewards cannot be used for pharmacy copays. Restrictions apply. Members must qualify for and complete all activities to receive $500 or more. Visit Member.AmbetterHealth.com for more details. Your health plan is committed to helping you achieve your best health. Rewards for participating in a wellness program are available to all members. If you think you might be unable to meet a standard for a reward under this wellness program, you might qualify for an opportunity to earn the same reward by different means.

**Cost sharing may apply when using Virtual 24/7 Care or Virtual Primary Care. Virtual 24/7 Care cost share does not apply to HSA plans until the deductible is met and is only applicable when used through the Virtual 24/7 Care program. Ambetter Health does not provide medical care. Medical care is provided by individual providers, which are independent contractors and not agents of Ambetter Health. 

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SOURCE Iowa Total Care

FAQ

Which Iowa counties will Ambetter Health (CNC) cover in 2026?

Ambetter Health will offer plans in 58 Iowa counties; the full county list is on ambetterhealth.com/en/ia/health-plans/coverage-map.

What are Ambetter Health (CNC) open enrollment dates for 2026 coverage?

Open enrollment runs Nov. 1, 2025–Jan. 15, 2026; enroll by Dec. 15, 2025 for coverage effective Jan. 1, 2026.

How much can Iowa members earn with Ambetter Health (CNC) My Health Pays in 2026?

Members can earn up to $500 in My Health Pays rewards for completing qualifying health activities in 2026.

Can Ambetter Health (CNC) My Health Pays rewards be used for pharmacy copays?

No; My Health Pays rewards cannot be used for pharmacy copays, though they may be used for premiums, copays, and deductibles.

Does Ambetter Health (CNC) offer virtual care for Iowa members in 2026?

Yes; Ambetter provides Virtual 24/7 Care telehealth access, but cost sharing may apply and HSA plan rules vary.

Where can Iowa residents enroll in Ambetter Health (CNC) plans for 2026?

Iowa residents may review plans, check subsidy eligibility, and enroll online at ambetterhealth.com/en/ia.