Individuals & Families
Marketplace and off-Marketplace plans for Iowans who aren't covered through work, are self-employed, or are between jobs.
Individual plans
Recent Iowa Marketplace news:
On September 22, 2026, CMS announced it is canceling about 750,000 HealthCare.gov enrollments it calls unauthorized or ineligible, and that new agent registrations are frozen until February 1, 2027. Here's how to check that your enrollment is real.
Earlham, Iowa. Serving all of Iowa. We come to you.
Health insurance explained in plain English, by a local agent you can call
We help Iowa individuals, families, small employers and Medicare beneficiaries compare plans, understand what they're buying, and enroll without the guesswork. No call centers. You get Roger on the phone.
Who we help
Four kinds of coverage, one local agency. Every page below ends with what's changing for 2027.
Small Businesses
Group health plans that help you recruit and keep good people, with help deciding how to share the premium.
Group plans
Medicare Beneficiaries
Medicare Supplement (Medigap), Medicare Advantage and Part D drug plans, explained part by part.
Medicare plans
Supplemental Coverage
Dental, vision, accident, critical illness and hospital indemnity plans that pay you directly when something happens.
Supplemental plansHow it works
Three steps, from the first call to your enrollment.
Schedule a call
Tell us who needs coverage, what you have now, and what's frustrating you about it.
Compare real options
We pull the plans available in your county, put them side by side, and explain the trade-offs in plain language.
Enroll with a record
You choose. We document your consent, review the application with you before it's submitted, and stay your agent of record all year.
Iowa ACA updates, dated and sourced
Health insurance rules changed a lot this year and they'll change again before Open Enrollment closes on January 15. We publish a short, plain-English update for every real event, with the source named, so you can check our work.
- CMS canceled about 750,000 Marketplace enrollments. Here's how to confirm yours is legitimate.
- Iowa's 2027 Marketplace rate filings, insurer by insurer, and what happens if your plan is leaving.
- 2027 Open Enrollment runs November 1 to January 15. Why December 15 still matters.
Why this matters right now
The federal crackdown announced September 22, 2026 is aimed at agents who enrolled people without their knowledge. A local agent whose clients know exactly what they bought, and can call him, is the opposite of that. Read how to protect your own enrollment.
Meet your agent
Roger Hulbert, Owner
Army medic, University of Iowa College of Nursing, and a small-business owner who learned group health insurance the hard way in 2010. Roger lives near Earlham and has advised Iowa individuals and employers on coverage ever since.
More about RogerTalk to a local agent, not a call center
Call (515) 314-1147, Monday to Friday, 8am to 5pm, or send us a message and we'll call you back.