Affordable Individual and Family Health Insurance in Iowa

Insurance Enterprise can help you find quality health insurance in Iowa at affordable rates. Whether you are looking for individual health insurance or family insurance, you find an insurance plan that meets your healthcare needs. Our easy step-by-step process makes it easy for you to find the right provider, compare rates, and get a quick insurance quote. Contact Insurance Enterprise anytime throughout the year, and let us help you get covered.


We Work with Top Health Insurance Providers

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Which Type of Individual Health Insurance Plan is Right for You?

You have two main options for individual health insurance or family health insurance in Iowa

Affordable Care Act Our Coverage
Avg. Deductibles $7,000 $2,500
Premiums Increase 25%-100% annually Save up to 50%
Cash Sum Benefits None for critical illness Up to $100,000 lump sum for critical illnesses
Enrollment Period 45 days All year

Why Choose Insurance Enterprise

Affordable Insurance Plans

Affordable Insurance Plans

Save up to 50 percent on insurance coverage from top providers in Iowa. Pay only for the coverage you need and save money on your insurance plan.

Straightforward Underwriting Process

Easy Underwriting Process

Getting insurance does not have to be complicated. Our experts can guide you through underwriting using our simple step-by-step process.

Quality Customer Service

Quality Customer Service

With Insurance Enterprise, there is no more waiting to get answers. Our customer service is knowledgeable and responsible. 

Critical Illness Health Coverage

Coverage for Critical Illnesses

Diagnosis and treatment for major medical conditions can be expensive. We provide a lump sum cash benefit to help you meet the cost of healthcare.

Simple Comparison Shopping

We Compare Providers

Are you concerned about finding the right provider? Tell us what you need and let us compare insurers for you. We do the work so that you do not have to.

Automatic Re Enrollment

Auto Re-Enrollment

With auto-renewal, you do not have to worry about forgetting to renew yourself. Our system auto-renews and sends you a notification in advance.

Frequently Asked Questions:

What is a limited benefits policy? What does it cover?

The policy comes with three tiers so we can get the most comprehensive coverage at the most affordable price. The tiers include:

Tier 1 – Provides coverage for doctor office visits, urgent care, labs, tests, diagnostics, annual preventive care, annual OB/GYN preventive care within the PHCS Multi-Plan, and/or First Health Network.

Tier 2 – Provides coverage for specialty doctor prescriptions, hospitalization, ambulatory, mental illness, etc. (best coverage and rates if using a PHCS Multi-Plan facility)

Tier 3 – Provides coverage for critical illnesses such as heart attack, cancer, stroke, etc.

Can I choose my own doctor?

You can choose from two of the largest networks in the country, which are First Health ( and PHCS Multi-Plan ( All plans are PPO network.

Which tier covers generic and brand name prescriptions? Is there a copay for prescription medications?

Tier 2 provides coverage for prescriptions for both generic and brand name.

With the combination of network discounts and reimbursements, generic prescriptions cost $10 on average and brand name $20 on average. Some brand names are expensive and may cost more than $20. If so, we recommend going back to the doctor to see if there is an alternative prescription.

How is the insurance plan chosen?

As a private exchange broker, we have multiple plans available from the insurance companies that you may choose. You may have to qualify for the plan and undergo a routine underwriting process. The underwriters can help you choose the Insurance company that best matches your needs.

Is there a one-year commitment? If so, when can I drop the plan?

Your commitment is for one year. Afterward, your policy will automatically renew each year. You will receive a notification to remind you of renewal and give you an opportunity to make any changes to your policy. You can cancel the policy at any time.

Is there an open enrollment period?

Enrollment is available throughout the year.

Do you provide full health coverage?

Our health insurance plan provides full benefits. It may differ from what you are accustomed to because we created a package that provides comprehensiveness at lower rates. Most exchange policies are with BCBS or Humana. They have rates that increased by as much as 100% from 2017 to 2018. Plus, the deductibles have increased. We are providing alternative solutions to the public who are looking for a provider with similar benefits but for more affordable prices.

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Contact Insurance Enterprise for Individual Health Insurance and Family Health Insurance in Iowa

If you have questions about health insurance in Iowa and need to enroll, then contact Insurance Enterprise at 888-350-6605. Speak to a licensed agent and find out more about how you can get an affordable health insurance plan.