Health insurance & Medicare · Des Moines, IA (Polk County)
Supplemental Health Insurance in Des Moines, Iowa
14.1% of Des Moines residents are 65 or older, about 29,900 people, below the U.S. average of 17.7%. Accident, critical illness, hospital indemnity, cancer, dental and vision coverage that can pay benefits alongside your main health plan. Olive, a licensed agent with Manna Financial Services, helps Des Moines, IA households compare supplemental health insurance by phone or video, and the first conversation is free.
What matters for supplemental health insurance in Des Moines
28.9% of Des Moines households include children. Accident plans are a common choice for active families, while hospital and critical illness plans are more common for people with Medicare (14.1% of Des Moines residents are 65 or older).
Des Moines by the numbers
- 14.1% of Des Moines residents are 65 or older, about 29,900 people, below the U.S. average of 17.7%.
- 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).
- 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.
- 28.9% of Des Moines households include children under 18, below the U.S. figure of 29.8%.
Des Moines and nearby communities
| Place | Households with children | 65 or older | Uninsured adults 19–64 |
|---|---|---|---|
| Des Moines | 28.9% | 14.1% | 9.1% |
| Chicago | 23.8% | 14.1% | 12.2% |
| Indianapolis | 28.9% | 13.5% | 13.1% |
| Detroit | 28.6% | 15.1% | 11.1% |
| U.S. | 29.8% | 17.7% | 11.1% |
Sources: U.S. Census Bureau, American Community Survey 2019–2023 5-year estimates.
How we help with supplemental health insurance
- Accident and critical illness plans that pay cash benefits
- Hospital indemnity coverage for inpatient stays
- Dental and vision plans for individuals and families
- Pairs with ACA, employer or Medicare coverage
Rules that apply in Iowa
- Supplemental plans pay fixed benefits and are not major medical coverage. They do not count as ACA minimum essential coverage.
- Many accident, critical illness and hospital plans pay benefits to you directly, to use as you choose.
- Waiting periods and pre-existing condition limits vary by policy, so we compare them before you apply.
Questions from Des Moines
Is supplemental insurance the same as health insurance?
No. Supplemental plans pay limited, fixed benefits for specific events and do not replace major medical coverage. They work best alongside a health plan.
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 supplemental health insurance.
Free, no obligation, by phone or video. Or call or text (937) 388-5346.