name = "Atlas Commons research objects — ACA marketplace coverage for Iowa (2026)"
description = "Iowa's ACA marketplace coverage from the CMS ACA Plan Attributes PUF, with each figure's epistemic status labeled: every plan count — medical plans, standalone dental plans, and breakdowns by metal level, plan type, HSA-eligibility, and referral requirement — is a measured census of plans offered (counts of rows in the CMS file, all labeled RECORDED); the sticker premium landscape by metal tier (40yo, pre-subsidy) is a recorded set of published CMS Rate PUF rates, with the subsidy note labeled CONTEXT; the boundary note is context (labeled CONTEXT) — these count plans offered and their sticker price, not enrollment, the insured rate, or net cost after subsidies. Sources: CMS ACA Plan Attributes PUF, CMS Marketplace Rate PUF. CC0."
license = "CC0-1.0"
jsonld = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/ia.jsonld"

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/ia/medical-plan-count"
warrant = "RECORDED"
name = "601 ACA medical marketplace plans are offered in Iowa for plan year 2026"
text = "The CMS ACA Plan Attributes PUF records 601 on-marketplace medical plans from 6 issuers offered in Iowa for the 2026 plan year. A census of offered plans."
source = "CMS ACA Plan Attributes PUF (2026 plan year)"
sourceUrl = "https://www.cms.gov/marketplace/resources/data/public-use-files"
falsifier = "A RECORD of measured/reported events (occurred=true) from CMS ACA Plan Attributes PUF (2026 plan year); superseded when CMS ACA Plan Attributes PUF (2026 plan year) publishes its next release."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/ia/metal-distribution"
warrant = "RECORDED"
name = "Medical plan counts by CMS metal level in Iowa (2026): Silver 287, Expanded Bronze 164, Gold 144, Catastrophic 6"
text = "Counts of the 601 medical plans by CMS-defined metal level: Silver 287, Expanded Bronze 164, Gold 144, Catastrophic 6. The metal levels are CMS categories; this is a count of PUF rows per category."
source = "CMS ACA Plan Attributes PUF (2026 plan year)"
sourceUrl = "https://www.cms.gov/marketplace/resources/data/public-use-files"
falsifier = "A RECORD of measured/reported events (occurred=true) from CMS ACA Plan Attributes PUF (2026 plan year); superseded when CMS ACA Plan Attributes PUF (2026 plan year) publishes its next release."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/ia/plan-type-distribution"
warrant = "RECORDED"
name = "Medical plan counts by CMS plan type in Iowa (2026): EPO 358, HMO 185, PPO 58"
text = "Counts of the 601 medical plans by CMS-defined plan type (HMO/PPO/EPO/POS): EPO 358, HMO 185, PPO 58. A count of PUF rows per CMS category."
source = "CMS ACA Plan Attributes PUF (2026 plan year)"
sourceUrl = "https://www.cms.gov/marketplace/resources/data/public-use-files"
falsifier = "A RECORD of measured/reported events (occurred=true) from CMS ACA Plan Attributes PUF (2026 plan year); superseded when CMS ACA Plan Attributes PUF (2026 plan year) publishes its next release."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/ia/hsa-eligible"
warrant = "RECORDED"
name = "170 of 601 medical plans in Iowa are HSA-eligible (2026)"
text = "The PUF flags 170 of the 601 medical plans as HSA-eligible — a count of plans carrying the CMS HSA-eligibility attribute."
source = "CMS ACA Plan Attributes PUF (2026 plan year)"
sourceUrl = "https://www.cms.gov/marketplace/resources/data/public-use-files"
falsifier = "A RECORD of measured/reported events (occurred=true) from CMS ACA Plan Attributes PUF (2026 plan year); superseded when CMS ACA Plan Attributes PUF (2026 plan year) publishes its next release."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/ia/no-referral"
warrant = "RECORDED"
name = "601 of 601 medical plans in Iowa require no specialist referral (2026)"
text = "The PUF flags 601 of the 601 medical plans as not requiring a referral to see a specialist — a count of plans carrying the CMS no-referral attribute."
source = "CMS ACA Plan Attributes PUF (2026 plan year)"
sourceUrl = "https://www.cms.gov/marketplace/resources/data/public-use-files"
falsifier = "A RECORD of measured/reported events (occurred=true) from CMS ACA Plan Attributes PUF (2026 plan year); superseded when CMS ACA Plan Attributes PUF (2026 plan year) publishes its next release."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/ia/dental-plan-count"
warrant = "RECORDED"
name = "22 standalone dental plans are offered in Iowa for plan year 2026"
text = "The PUF records 22 standalone dental plans from 3 issuers offered in Iowa for the 2026 plan year."
source = "CMS ACA Plan Attributes PUF (2026 plan year)"
sourceUrl = "https://www.cms.gov/marketplace/resources/data/public-use-files"
falsifier = "A RECORD of measured/reported events (occurred=true) from CMS ACA Plan Attributes PUF (2026 plan year); superseded when CMS ACA Plan Attributes PUF (2026 plan year) publishes its next release."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/ia/premium-landscape"
warrant = "DERIVED"
name = "STICKER ACA premiums in Iowa for a 40-year-old (before tax credits): Silver median $559/mo"
text = "Per-metal-tier MEDIAN and range of full (pre-subsidy) monthly premiums for a 40-year-old, individual, non-tobacco, across Iowa's 7 rating area(s): Catastrophic $356 ($300–$414), Bronze $420 ($338–$731), Silver $559 ($452–$1,069), Gold $584 ($432–$1,067). The per-plan rates are RECORDED in the CMS Marketplace Rate PUF; these per-tier median/min/max figures are DERIVED — the atlas's own aggregation over 121 Rate-PUF rate rows (CMS does not publish a state×tier median). The FULL sticker price — most marketplace enrollees pay less after income-based premium tax credits; this is not net cost."
source = "CMS Marketplace Rate Public Use File (atlas-aggregated per tier)"
sourceUrl = "https://www.cms.gov/marketplace/resources/data/public-use-files"
falsifier = "occurred=FALSE (a computed summary, not a single published figure) and adjudged=FALSE (the atlas's aggregation, not a CMS-published statistic). Reproduce it: take the median/min/max of the 121 CMS Rate-PUF rows for a 40yo non-tobacco enrollee per metal tier across the rating areas. Falsified if the per-row rates or the aggregation are wrong; it is sticker (pre-subsidy), so it overstates what a subsidized enrollee pays."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/ia/premium-subsidy-boundary"
warrant = "INTERPRETATION"
name = "What the Iowa premiums mean — sticker, not your price"
text = "The premiums above are FULL pre-subsidy stickers. The Affordable Care Act caps a household's benchmark-Silver premium at a share of income via an advance premium tax credit, which can be applied to any tier — so a subsidized lower-income enrollee can pay far less, sometimes near $0. The sticker tells you how plans compare and the unsubsidized cost, NOT what you will pay. Net cost depends on your income and the prevailing tax-credit rules; we do not compute it. Get your actual price at HealthCare.gov."
source = "Coverage Atlas framing (over the CMS Rate PUF figures above)"
sourceUrl = "https://coverage-atlas.ryanjhunter.workers.dev/"
falsifier = "occurred=FALSE (a framing, not an event) and adjudged=FALSE (the atlas's reading, not a CMS verdict). The sticker premiums above are CMS Rate PUF records (recorded); this subsidy note is interpretation."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/ia/boundary"
warrant = "INTERPRETATION"
name = "What these coverage figures are — and are NOT — for Iowa (the epistemic boundary)"
text = "The plan counts above are a COUNT OF PLANS OFFERED on the ACA marketplace for plan year 2026 (a CMS PUF census); the premiums are FULL sticker rates for a 40-year-old. They are NOT enrollment counts, the insured/uninsured rate, NET cost after subsidies, or who actually has coverage. For your net premium use HealthCare.gov / your state marketplace; for the insured rate use the Census ACS / KFF. This object describes what is OFFERED and its sticker price, not who is COVERED or what they pay."
source = "Coverage Atlas framing (over the CMS facts above)"
sourceUrl = "https://coverage-atlas.ryanjhunter.workers.dev/"
falsifier = "occurred=FALSE (a framing, not an event) and adjudged=FALSE (the atlas's reading, not a CMS verdict) — the LOWEST-warrant claim here. The plan counts and sticker premiums above are direct CMS records; this is interpretation, and the four-status says so."

[[coverageIndicators]]
indicator = "Medical plans offered"
value = 601
warrant = "RECORDED"
source = "CMS ACA Plan Attributes PUF (2026)"

[[coverageIndicators]]
indicator = "Medical issuers"
value = 6
warrant = "RECORDED"
source = "CMS ACA Plan Attributes PUF (2026)"

[[coverageIndicators]]
indicator = "HSA-eligible medical plans"
value = 170
warrant = "RECORDED"
source = "CMS ACA Plan Attributes PUF (2026)"

[[coverageIndicators]]
indicator = "Medical plans requiring no specialist referral"
value = 601
warrant = "RECORDED"
source = "CMS ACA Plan Attributes PUF (2026)"

[[coverageIndicators]]
indicator = "Standalone dental plans offered"
value = 22
warrant = "RECORDED"
source = "CMS ACA Plan Attributes PUF (2026)"

[[coverageIndicators]]
indicator = "Standalone dental issuers"
value = 3
warrant = "RECORDED"
source = "CMS ACA Plan Attributes PUF (2026)"

[[coverageIndicators]]
indicator = "Distinct issuers (medical + dental)"
value = 9
warrant = "RECORDED"
source = "CMS ACA Plan Attributes PUF (2026)"

[[coverageIndicators]]
indicator = "Plan year"
value = 2026
warrant = "—"
source = "CMS ACA Plan Attributes PUF (2026)"

[[coverageIndicators]]
indicator = "Silver median sticker premium (USD/mo)"
value = 559
warrant = "DERIVED"
source = "CMS Marketplace Rate Public Use File (40-year-old, individual, non-tobacco)"

[[coverageIndicators]]
indicator = "Rating areas (premium aggregate)"
value = 7
warrant = "RECORDED"
source = "CMS Marketplace Rate Public Use File (40-year-old, individual, non-tobacco)"

[[coverageIndicators]]
indicator = "Rate-PUF rate rows summarized"
value = 121
warrant = "RECORDED"
source = "CMS Marketplace Rate Public Use File (40-year-old, individual, non-tobacco)"

[[metalDistribution]]
metal_level = "Silver"
plan_count = 287

[[metalDistribution]]
metal_level = "Expanded Bronze"
plan_count = 164

[[metalDistribution]]
metal_level = "Gold"
plan_count = 144

[[metalDistribution]]
metal_level = "Catastrophic"
plan_count = 6

[[planTypeDistribution]]
plan_type = "EPO"
plan_count = 358

[[planTypeDistribution]]
plan_type = "HMO"
plan_count = 185

[[planTypeDistribution]]
plan_type = "PPO"
plan_count = 58

[[marketCoverage]]
market_coverage = "Individual"
plan_count = 623

[[premiumTiers]]
tier = "Catastrophic"
plans = 16
median_usd = 356
p25_usd = 320
p75_usd = 370
min_usd = 300
max_usd = 414

[[premiumTiers]]
tier = "Bronze"
plans = 188
median_usd = 420
p25_usd = 376
p75_usd = 467
min_usd = 338
max_usd = 731

[[premiumTiers]]
tier = "Silver"
plans = 182
median_usd = 559
p25_usd = 494
p75_usd = 638
min_usd = 452
max_usd = 1069

[[premiumTiers]]
tier = "Gold"
plans = 149
median_usd = 584
p25_usd = 527
p75_usd = 672
min_usd = 432
max_usd = 1067

[[issuers]]
issuer = "Ambetter Health"

[[issuers]]
issuer = "Avera Health Plans"

[[issuers]]
issuer = "BEST Life"

[[issuers]]
issuer = "Delta Dental of Iowa"

[[issuers]]
issuer = "Guardian"

[[issuers]]
issuer = "Medica"

[[issuers]]
issuer = "Oscar Insurance Company"

[[issuers]]
issuer = "UnitedHealthcare"

[[issuers]]
issuer = "Wellmark Health Plan of Iowa, Inc."
