Medicare in NW Iowa · Sioux County, IA
2026 Medicare Advantage Plans in Sioux Center & NW Iowa
Just across the Big Sioux, Sioux County, Iowa has 12 Medicare Advantage plans for 2026 — 11 with a $0 premium — serving 6,712 Medicare beneficiaries. That is more choice than the Sioux Falls side of the border. Below is the real data — every plan, premium, and rating — plus a live tool to check your ZIP. Big Sioux Benefits is licensed in Iowa and South Dakota.
Page last revised: 2026-07-19 · Plan and enrollment data refreshed: 2026-07-19
By the numbers · Sioux County, IA
Quick facts for NW Iowa Medicare
Sources: CMS Medicare Advantage/Part D Landscape (PY2026) · CMS Medicare Monthly Enrollment (county) — accessed 2026-07-19.
What neighbors actually chose
Most-enrolled Medicare Advantage plans in Sioux County
Enrollment counts are CMS facts, not our recommendation — the right plan depends on your doctors, drugs, and budget. CMS suppresses counts under 11, so rural totals run conservative.
- Aetna Medicare Value Care (HMO-POS) (HMO-POS) — 133 enrollees
- Aetna Medicare Enhanced Extra (PPO) (PPO) — 115 enrollees
- Wellcare Simple (HMO-POS) (HMO-POS) — 91 enrollees
- Align ChoicePlus (PPO) (PPO) — 70 enrollees
- Aetna Medicare Eagle (HMO-POS) (HMO-POS) — 28 enrollees
Source: CMS Medicare Advantage Enrollment by State/County/Contract.
Every plan · 2026
Medicare Advantage plans in Sioux County, IA (2026)
"Stability" is each plan's published CMS Overall Star Rating tier — a federal quality measure, not our opinion. We never call a plan best or worst; we show the data and help you compare.
| Plan | CMS rating | Premium/mo | Out-of-pocket max | Part D deductible | CMS plan ID |
|---|---|---|---|---|---|
| Aetna Medicare Value Care (HMO-POS) Strong (CMS 4★+) | 4.5★ | $0 | $3,900 | $615 | H1609_068 |
| Aetna Medicare Enhanced Extra (PPO) Average (CMS 3.5★) | 3.5★ | $0 | $4,500 | $615 | H1608_117 |
| Wellcare Simple (HMO-POS) Too new to rate | Not rated | $0 | $4,400 | $615 | H1862_005 |
| Align ChoicePlus (PPO) Average (CMS 3.5★) | 3.5★ | $0 | $4,900 | $350 | H8385_003 |
| Aetna Medicare Eagle (HMO-POS) Strong (CMS 4★+) | 4.5★ | $0 | $6,750 | No drug coverage | H1609_058 |
| Humana USAA Honor Giveback (PPO) Average (CMS 3.5★) | 3.5★ | $0 | $4,700 | No drug coverage | H5216_278 |
| HumanaChoice Giveback H5216-340 (PPO) Average (CMS 3.5★) | 3.5★ | $0 | $5,000 | $600 | H5216_340 |
| Humana Gold Plus H0028-053 (HMO) Average (CMS 3.5★) | 3.5★ | $0 | $4,200 | $615 | H0028_053 |
| Blue Medicare Advantage Valor PPO (PPO) Average (CMS 3.5★) | 3.5★ | $0 | $6,750 | No drug coverage | H5900_006 |
| HumanaChoice H5216-014 (PPO) Average (CMS 3.5★) | 3.5★ | $0 | $9,250 | $615 | H5216_014 |
| Humana Full Access H5216-411 (PPO) Average (CMS 3.5★) | 3.5★ | $0 | $4,250 | $400 | H5216_411 |
| Align ChoiceElite (PPO) Average (CMS 3.5★) | 3.5★ | $10.3 | $3,500 | $300 | H8385_001 |
Source: CMS Medicare Advantage/Part D Landscape (PY2026) · CMS Medicare Part C & D Star Ratings (2026). Premiums shown are Part C premiums; average consolidated Part C + D premium is $22.44/mo.
Health profile · why coverage choice matters here
Chronic conditions among Sioux County adults
CDC PLACES model-based prevalence among 36,246 residents — a reason to check each plan's drug formulary and specialist network before you enroll.
Source: CDC PLACES: Local Data for Better Health, County (crude prevalence).
Hospitals serving Sioux County
- ORANGE CITY AREA HEALTH SYSTEM — Orange City · CMS 3★ overall hospital rating
- HAWARDEN REGIONAL HEALTHCARE — Hawarden · not yet rated by CMS
- HEGG MEMORIAL HEALTH CENTER — Rock Valley · not yet rated by CMS
- SIOUX CENTER HEALTH — Sioux Center · not yet rated by CMS
See your NW Iowa plans now
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Choosing a plan in NW Iowa — what matters here
- More plans, more to compare — 12 options means premium isn't the whole story; check each plan's CMS rating and network against your needs.
- Cross-border care — many residents use Sioux Falls systems (Sanford 5★, Avera 4★); confirm they're in-network.
- Your prescriptions — Part D drug deductibles vary plan to plan (county average $525); formulary tiers differ too.
- Plan availability — 2026 plans above are sold county-wide, including Alton, Boyden, Chatsworth, Granville, Hawarden, Hospers, Hull, Ireton, Matlock, Maurice, Orange City, Rock Valley, Sheldon, Sioux Center, and all other Sioux County communities. You must be enrolled in Medicare Part A and Part B.
- Compare the SD side — see Sioux Falls (Minnehaha County) plans → or the complete SD county-by-county guide →
NW Iowa Medicare questions, answered
How many Medicare Advantage plans are available in Sioux County, Iowa for 2026?
12 standard Medicare Advantage plans are sold in Sioux County for 2026 — 11 of them at a $0 premium, and 17% rated CMS 4★ or higher. 12 Special Needs Plans add options for residents who qualify.
Why does NW Iowa have more Medicare Advantage plans than Sioux Falls?
Iowa's Medicare Advantage market is more competitive: Sioux County offers 12 standard MA plans versus 8 in Minnehaha County, SD — and 11 are $0-premium. More options means matching the plan to your doctors and drugs matters even more.
Can I keep my Sioux Falls doctors on a NW Iowa Medicare plan?
Often yes — many NW Iowa residents use Sioux Falls health systems (Sanford USD Medical Center, a CMS 5★ hospital, and Avera McKennan at 4★, both about 40 minutes away). Whether they're in-network depends on the plan; we check your specific providers before you enroll.
What health conditions are most common among Sioux County seniors?
Per CDC PLACES, among Sioux County adults: high blood pressure 32.5%, obesity 33%, arthritis 23.2%, diagnosed diabetes 9.8%. Each is a reason to check a plan's drug formulary and specialist network.
Does Big Sioux Benefits serve NW Iowa?
Yes — we're licensed in both South Dakota and Iowa and serve the whole Siouxland region, including Alton, Boyden, Chatsworth, Granville, Hawarden, and surrounding Sioux County. Our help is free.
Talk to a local Siouxland Medicare advisor
Free, no pressure — licensed in Iowa and South Dakota.