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HomeMedicare SupplementIowaMedigap in Iowa for 2027: 29 Insurers and the Plans They Sell

Medicare Supplement

Medigap in Iowa for 2027: 29 Insurers and the Plans They Sell

DES MOINES — Iowans who want help with the out-of-pocket costs that Original Medicare leaves behind have a wide field to consider for 2027. A search on Medicare.gov's Medigap policy finder for ZIP code 50309 returns 29 insurers selling Medicare Supplement coverage, offering most of the federally standardized plan letters. The choices made during Medicare Open Enrollment 2027, which runs October 15 through December 7, 2026, take effect January 1, 2027.

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Key takeaways

  • Medicare.gov's Medigap search for ZIP code 50309 lists 29 insurers selling Medigap in Iowa, with plan letters A, B, C, D, F, F-HD, G, G-HD, K, L, M and N appearing somewhere on the list.
  • Your strongest window to buy any Medigap policy sold in Iowa without medical underwriting is the six-month Medigap Open Enrollment Period that starts the month your Part B begins at age 65 or later.
  • 18 Medicare Advantage plans offered in Iowa in 2026 will not be offered anywhere in the state in 2027, and members of those plans get a federal guaranteed-issue right to buy certain Medigap plans.
  • Medigap does not include prescription drug coverage, so a stand-alone Part D plan is chosen separately through Medicare.gov or 1-800-MEDICARE.
Medicare SupplementIowa
Video: Kampus Production Video by Kampus Production on Pexels
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By MyMedicarePlans Editorial Desk · Medicare Education✓ Verified Team
Published ·10 min read·✓ Reviewed
Key facts: Medicare in Iowa
FactFigureSource
Part B standard monthly premium (2026)$202.90Medicare.gov
Part D out-of-pocket cap (2026)$2,100CMS
Part D out-of-pocket cap (2027)$2,400CMS
Annual Enrollment Period (for 2027 coverage)October 15 – December 7, 2026Medicare.gov

Area counts are for the county as a whole and are not a recommendation of any plan. Program figures are set nationally.

What is Medigap in Iowa and how is it different from Medicare Advantage?

Medigap is private insurance that pays after Original Medicare (Parts A and B) pays, helping with coinsurance, copayments and some deductibles that Original Medicare leaves to the beneficiary. It works alongside Original Medicare rather than replacing it.

Medicare Advantage (Part C) is a different product: a private plan that takes the place of Original Medicare and delivers Part A and Part B benefits through the plan's own rules and provider network. You cannot use a Medigap policy to pay cost-sharing inside a Medicare Advantage plan. People generally hold either Original Medicare plus (optionally) a Medigap and a Part D plan, or a Medicare Advantage plan — not both at once.

Medigap plans sold today are standardized by federal letter, so Plan G from one Iowa insurer covers the same federally defined benefits as Plan G from another. Plans C and F are closed to people newly eligible for Medicare on or after January 1, 2020.

Which insurers sell Medigap in Iowa for 2027, and which plan letters do they offer?

For ZIP code 50309, Medicare.gov's Medigap policy search lists these 29 insurers and the plan letters shown for each (what is sold can vary by ZIP code and by age, sex and tobacco use):

Across the Iowa list, letters A, B, C, D, F, F-HD, G, G-HD, K, L, M and N each appear with at least one insurer.

What is the six-month Medigap Open Enrollment Period and why does it matter in Iowa?

The Medigap Open Enrollment Period is a one-time, six-month window that starts the first month a person is both 65 or older and enrolled in Medicare Part B. During that window, an Iowan can buy any Medigap policy sold in the state from any insurer that offers it, without medical underwriting and without being charged more because of health history.

Outside that window, an insurer can generally ask health questions and, in most situations, decide whether to issue a policy and at what price — unless a separate guaranteed-issue right applies. That is why the six-month window matters so much: it is the broadest, surest access most people will have to the full Iowa Medigap shelf.

What happens in Iowa if my Medicare Advantage plan is not returning in 2027?

According to the CMS Landscape files, 18 Medicare Advantage plans offered in Iowa in 2026 will not be offered anywhere in the state in 2027. Members of a plan that is not returning get a federal guaranteed-issue right to buy certain Medigap plans, which means specific insurers must sell them specific plan letters without medical underwriting within set timeframes.

Guaranteed-issue rights also apply in several other situations defined in federal rules, such as losing certain kinds of employer or union retiree coverage. Medicare.gov describes which plan letters are available under each guaranteed-issue situation and the deadlines that apply.

Does Medigap in Iowa cover prescription drugs?

No. Medigap policies sold today do not include prescription drug coverage. Iowans who want help paying for prescriptions and who stay with Original Medicare typically add a stand-alone Medicare Part D plan.

Part D is chosen separately on Medicare.gov, where the Plan Finder lists the Part D plans available in a given ZIP code and compares them by formulary, pharmacy network and cost. For 2027, the Part D out-of-pocket cap is $2,400 (up from $2,100 in 2026), the most any Part D plan may charge as a deductible is $700, and the Part D base beneficiary premium — a national figure used in the late-enrollment penalty — is $41.33. Actual plan premiums are set plan by plan.

How should an Iowan compare Medigap policies for 2027?

Start on Medicare.gov's Medigap policy search, which lists the insurers and plan letters available for a given Iowa ZIP code. Because the benefits in each lettered plan are standardized by federal rule, the practical comparison between two insurers offering the same letter comes down to price, how the insurer sets rates over time, customer service and company stability — not the covered benefits themselves.

Request the outline of coverage from each insurer you are seriously considering, confirm whether the quote reflects your age, sex, tobacco use and ZIP code, and ask how the company has changed rates in past years. Plan details come from the Medicare Plan Finder at medicare.gov, 1-800-MEDICARE, or the insurer's own documents.

Where can Iowans get free help with Medicare questions?

Free, unbiased help is available directly from Medicare. Medicare.gov hosts the Medigap policy search and the Part D Plan Finder, and 1-800-MEDICARE (TTY 1-877-486-2048) is staffed around the clock to answer questions about enrollment periods, guaranteed-issue rights and how to compare plans.

The Social Security Administration announced on October 14, 2026 a 3.6 percent cost-of-living adjustment for benefits payable beginning January 2027. The 2027 Part B standard premium and deductible, and the 2027 IRMAA income-related surcharges, had not been announced by CMS at the time of writing.

By the numbers

Medicare Part B premium, 2006–2026

The standard monthly Part B premium has climbed from $88.50 in 2006 to $202.90 in 2026. Hover any point for that year’s premium.

$0$50$100$150$200200820122016202020242026

Source: CMS. Standard premium shown; in some hold-harmless years many existing enrollees paid less. Confirm at Medicare.gov.

Key dates

Medicare enrollment periods at a glance

  • Around your 65thInitial Enrollment PeriodA 7-month window around the month you turn 65 — your first chance to sign up.
  • October 15 – December 7Annual Enrollment Period (Open Enrollment)Anyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan.
  • January 1 – March 31Medicare Advantage Open EnrollmentIf you're already in a Medicare Advantage plan, you can make one change.
  • January 1 – March 31General Enrollment PeriodFor people who missed their first chance to sign up for Part B.
  • VariesSpecial Enrollment PeriodTriggered by life events like moving or losing other coverage.

Dates are set by Medicare and apply nationwide. Confirm your personal windows at Medicare.gov or 1-800-MEDICARE.

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The parts of Medicare

Part A covers inpatient hospital stays, skilled nursing facility care, hospice, and some home health care. Most people pay no premium for Part A.

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When can you enroll? An interactive year

JFMAMJJASOND
October 15 – December 7 — anyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan. Changes take effect January 1.

Enrollment windows are federal and the same nationwide. Confirm your personal dates at Medicare.gov or 1-800-MEDICARE.

Good to know

Frequently asked questions

Can I buy any Medigap plan in Iowa at any time?
Your broadest access is during your six-month Medigap Open Enrollment Period, which starts the first month you are 65 or older and enrolled in Part B. In that window, any Medigap policy sold in Iowa is available to you without medical underwriting. Outside that window, insurers can generally use health questions unless a guaranteed-issue right applies.
My Medicare Advantage plan is leaving Iowa for 2027 — what are my options?
You have a federal guaranteed-issue right to buy certain Medigap plans from certain insurers without medical underwriting, within deadlines described on Medicare.gov. You can also choose a different Medicare Advantage plan during Medicare Open Enrollment 2027, which runs October 15 through December 7, 2026.
Do Medigap plans in Iowa include prescription drug coverage?
No. Medigap policies sold today do not include Part D. If you want prescription coverage with Original Medicare, you enroll in a stand-alone Part D plan separately through Medicare.gov or by calling 1-800-MEDICARE.
Are Plans C and F still available to new Medicare beneficiaries?
Plans C and F are closed to people who became newly eligible for Medicare on or after January 1, 2020. People who were already eligible before that date may still be able to buy them where insurers offer them.
Sources & further reading
  • CMS — Medicare Supplement Insurance (Medigap) rules (medicare.gov)
  • CMS — Medicare enrollment periods (medicare.gov)

For personalized answers, contact Medicare.gov or 1-800-MEDICARE.

Sources and methodology

Figures cited in this article

  • Medicare.gov Medigap policy search: the list of 29 insurers and the plan letters shown for ZIP code 50309.
  • CMS Landscape Source File: the count of 18 Medicare Advantage plans offered in Iowa in 2026 and not offered anywhere in the state in 2027.
  • Medicare.gov: Medigap Open Enrollment Period rules, guaranteed-issue rights, Annual Enrollment Period dates, and Part D figures for 2027.
  • Social Security Administration: the October 14, 2026 announcement of a 3.6 percent cost-of-living adjustment for January 2027.

How we put this together: area counts come from the CMS files listed above for the county that contains this city, program figures come from CMS, Medicare.gov and the Social Security Administration, and no plan is ranked or recommended.

By The Medicare Desk · Published . For personalized answers, contact Medicare.gov or 1-800-MEDICARE.

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This page was last updated: October 2026.

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