Health insurance & Medicare · Des Moines, IA (Polk County)
Small-Business Group Health Insurance in Des Moines, Iowa
7.3% of Des Moines workers are self-employed, below the U.S. figure of 9.8%. Self-employed people have no employer plan for health, life or disability coverage. Group health, dental and vision options for small employers, plus help comparing a traditional group plan with alternatives such as an individual coverage HRA (ICHRA) or QSEHRA. Olive, a licensed agent with Manna Financial Services, helps Des Moines, IA households compare small-business group health insurance by phone or video, and the first conversation is free.
What matters for small-business group health insurance in Des Moines
7.3% of Des Moines workers are self-employed (U.S.: 9.8%). Owners often need to cover themselves as well as their team, so we look at personal and business coverage together.
Des Moines by the numbers
- 7.3% of Des Moines workers are self-employed, below the U.S. figure of 9.8%. Self-employed people have no employer plan for health, life or disability coverage.
- 9.1% of Des Moines adults aged 19 to 64 have no health insurance, below the U.S. rate of 11.1% (the 2nd-lowest uninsured rate for adults 19 to 64 of the 10 Midwest U.S. communities on this site).
- The median household income in Des Moines is $63,968, below the U.S. average of $78,538.
- 28.9% of Des Moines households include children under 18, below the U.S. figure of 29.8%.
Des Moines and nearby communities
| Place | Self-employed | Uninsured adults 19–64 | Median household income |
|---|---|---|---|
| Des Moines | 7.3% | 9.1% | $63,968 |
| Chicago | 8.9% | 12.2% | $75,134 |
| Indianapolis | 7.8% | 13.1% | $62,911 |
| Detroit | 7.4% | 11.1% | $39,575 |
| U.S. | 9.8% | 11.1% | $78,538 |
Sources: U.S. Census Bureau, American Community Survey 2019–2023 5-year estimates.
How we help with small-business group health insurance
- Small-group health, dental and vision quotes from several insurers
- Explain contribution and participation requirements
- Compare a group plan with ICHRA or QSEHRA reimbursement
- Employee enrollment support and renewal reviews
Read our full guide to small-business group health insurance
Rules that apply in Iowa
- Iowa residents buy individual and family Marketplace plans through HealthCare.gov or their state exchange. Plans and prices vary by county.
- Open Enrollment typically runs November 1 to January 15. Enroll by December 15 for coverage that starts January 1.
- Outside Open Enrollment, a qualifying life event such as losing other coverage, moving, marriage or a new baby opens a Special Enrollment Period.
- Marketplace premiums are the same with or without an agent. Insurance companies pay the agent.
Questions from Des Moines
How many employees do I need for a group plan?
Many small-group plans start at two enrolled employees, one of whom is not the owner or spouse, but rules vary by state and insurer. We confirm the requirements for your situation.
Do I need to visit an office in Des Moines?
No. Olive works with Des Moines and Polk County households by phone or video, so you can compare options from home. Most applications and signatures can be completed online.
Talk with Olive about small-business group health insurance.
Free, no obligation, by phone or video. Or call or text (937) 388-5346.