ACA plans available
99
Plan year 2026
2026 data Public-data reference. official source
Allen, Ohio Health Insurance
Open-data reference.
99 ACA plans from 6 issuers — Plan year 2026
Allen, Ohio offers 99 ACA marketplace plans from 6 issuers for plan year 2026. Bronze plans start at $378/mo and Silver plans start at $441/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$517
Avg Silver Premium/mo
$441
Benchmark Premium/mo
+27.1%
Year-over-Year Change
$4,869
Avg Deductible
What the Numbers Say About Allen
Allen, Ohio has 99 ACA marketplace plans offered by 6 issuers for plan year 2026. The average Silver-tier premium comes in at $517/mo for a 27-year-old non-tobacco user, with the lowest Silver at $441 and the highest at $628. Bronze plans start at $378/mo — useful for healthy enrollees who want catastrophic protection with the lowest monthly outlay.
The benchmark (second-lowest Silver) premium is $441/mo, the figure used to calculate your Advance Premium Tax Credit (the federal subsidy). Enrollees whose expected income-based contribution falls below this amount receive a subsidy for the difference. Across all plans, the average annual deductible is $4,869 and the average out-of-pocket maximum is $9,008 — numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Allen shifted by +27.1%, a signal of how local issuer pricing and risk-pool dynamics are trending.
Issuer count is one of the strongest predictors of affordability: with 6 issuers active in Allen, consumers have meaningful competition to pressure premiums lower. This page is informational only and is not insurance, medical, or tax advice — verify your eligibility, network coverage, and final pricing at HealthCare.gov before enrolling. Source: CMS Marketplace PUF, plan year 2026.
Premiums by Metal Level
Bronze
3 plans$388/mo avg
$378 — $403
Silver
34 plans$517/mo avg
$441 — $628
Gold
33 plans$620/mo avg
$494 — $757
Benchmark Premium & Subsidies
The benchmark premium (2nd-lowest Silver plan) in Allen is $441/mo for a 27-year-old. This is the amount used to calculate your premium tax credit. If your expected contribution (based on income) is less than the benchmark, you receive a subsidy for the difference. The higher the benchmark, the larger the potential subsidy.
Issuers in market
6
Competitive market
Benchmark Silver
$441 /mo
Sets your subsidy ceiling
Avg deductible
$4,869
Across all metal tiers
Allen ACA plans by premium and deductible
Each marker is the Allen average for one metal tier — monthly premium (age 27) plotted against the average annual deductible, both computed directly from this county's plans. The classic ACA tradeoff is visible: lower-premium Bronze tiers carry the highest deductibles, while Gold and Platinum invert it.
Source: CMS Marketplace Public Use Files for Allen, plan year 2026. Each point is the county average for one metal tier (premium age 27 vs average annual deductible).
Issuers in Allen
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Molina Healthcare | 22 | $455/mo |
| CareSource | 21 | $564/mo |
| UnitedHealthcare | 17 | $561/mo |
| Ambetter from Buckeye Health Plan | 16 | $479/mo |
| MedMutual | 12 | $587/mo |
| Anthem Blue Cross and Blue Shield | 11 | $475/mo |
All Plans in Allen
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| Anthem Bronze Pathway 10600 ($0 Virtual PCP + $0 Select Drugs) Anthem Blue Cross and Blue Shield | Bronze | HMO | $377.86 | $460.78 | $10,600 | $10,600 |
| Anthem Bronze Pathway 10600 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs) Anthem Blue Cross and Blue Shield | Bronze | HMO | $382.96 | $467.01 | $10,600 | $10,600 |
| UHC Bronze Essential ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare | Bronze | HMO | $403.03 | $491.48 | $10,600 | $10,600 |
| Molina Bronze Saver 7000 Molina Healthcare | Expanded Bronze | HMO | $385.70 | $470.35 | $7,000 | $10,200 |
| Molina Bronze Standard Molina Healthcare | Expanded Bronze | HMO | $388.97 | $474.34 | $7,500 | $10,000 |
| Molina Bronze Saver 7000 Plus with Adult Vision Molina Healthcare | Expanded Bronze | HMO | $389.02 | $474.39 | $7,000 | $10,200 |
| Molina Bronze Smart Heart Health Molina Healthcare | Expanded Bronze | HMO | $396.34 | $483.33 | $4,000 | $9,950 |
| Anthem Heart Healthy Bronze Pathway 6000 ($0 Virtual PCP + $0 Select Drugs) Anthem Blue Cross and Blue Shield | Expanded Bronze | HMO | $399.21 | $486.83 | $6,000 | $10,600 |
| Molina Bronze Enhanced 3500 Molina Healthcare | Expanded Bronze | HMO | $399.25 | $486.87 | $3,500 | $9,950 |
| Molina Bronze Saver 7000 Plus with Adult Dental and Vision Molina Healthcare | Expanded Bronze | HMO | $400.35 | $488.22 | $7,000 | $10,200 |
| Low Premium Bronze 10600 $25 Generic Drugs CareSource | Expanded Bronze | HMO | $400.99 | $488.99 | $10,600 | $10,600 |
| Molina Bronze Enhanced 3500 Plus with Adult Vision Molina Healthcare | Expanded Bronze | HMO | $402.56 | $490.91 | $3,500 | $9,950 |
| Standard Expanded Bronze Ambetter from Buckeye Health Plan | Expanded Bronze | HMO | $403.20 | $491.69 | $7,500 | $10,000 |
| Everyday Bronze Ambetter from Buckeye Health Plan | Expanded Bronze | HMO | $403.95 | $492.60 | $8,450 | $10,150 |
| Low Premium Bronze 10600 $25 Generic Drugs + Adult Vision & Fitness CareSource | Expanded Bronze | HMO | $404.24 | $492.96 | $10,600 | $10,600 |
| Anthem Bronze Pathway 8500 for HSA Anthem Blue Cross and Blue Shield | Expanded Bronze | HMO | $407.36 | $496.76 | $8,500 | $8,500 |
| Anthem Bronze Pathway 7500 Standard ($0 Virtual PCP + $0 Select Drugs) Anthem Blue Cross and Blue Shield | Expanded Bronze | HMO | $409.12 | $498.91 | $7,500 | $10,000 |
| Bronze 7500 $25 Generic Drugs CareSource | Expanded Bronze | HMO | $413.13 | $503.80 | $7,500 | $10,000 |
| Molina Bronze Enhanced 3500 Plus with Adult Dental and Vision Molina Healthcare | Expanded Bronze | HMO | $413.90 | $504.73 | $3,500 | $9,950 |
| Standard Expanded Bronze + Vision + Adult Dental Ambetter from Buckeye Health Plan | Expanded Bronze | HMO | $415.62 | $506.84 | $7,500 | $10,000 |
| Everyday Bronze + Vision + Adult Dental Ambetter from Buckeye Health Plan | Expanded Bronze | HMO | $416.39 | $507.78 | $8,450 | $10,150 |
| Bronze 7500 $25 Generic Drugs + Adult Vision & Fitness CareSource | Expanded Bronze | HMO | $416.45 | $507.85 | $7,500 | $10,000 |
| UHC Bronze Standard (No Referrals) UnitedHealthcare | Expanded Bronze | HMO | $424.77 | $518.00 | $7,500 | $10,000 |
| Bronze $8,300 w/ Virtual & Wellness ON-EX MedMutual | Expanded Bronze | HMO | $435.60 | $531.20 | $8,300 | $10,000 |
| Choice Bronze HSA Ambetter from Buckeye Health Plan | Expanded Bronze | HMO | $436.44 | $532.22 | $7,250 | $7,250 |
| UHC Bronze Standard+ (Dental + Vision, No Referrals) UnitedHealthcare | Expanded Bronze | HMO | $437.07 | $532.99 | $7,500 | $10,000 |
| UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare | Expanded Bronze | HMO | $439.73 | $536.24 | $0 | $10,600 |
| Bronze $8,300 w/ Adult Dental ON-EX MedMutual | Expanded Bronze | HMO | $444.56 | $542.13 | $8,300 | $10,000 |
| Choice Bronze HSA + Vision + Adult Dental Ambetter from Buckeye Health Plan | Expanded Bronze | HMO | $449.89 | $548.62 | $7,250 | $7,250 |
| UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare | Expanded Bronze | HMO | $452.02 | $551.23 | $0 | $10,600 |
| Bronze Standard w/ Virtual & Wellness MedMutual | Expanded Bronze | HMO | $454.93 | $554.77 | $7,500 | $10,000 |
| Bronze HSA $7,300 ON-EX MedMutual | Expanded Bronze | HMO | $458.23 | $558.80 | $7,300 | $7,300 |
| Molina Silver Saver with Four Free PCP Visits Molina Healthcare | Silver | HMO | $441.23 | $538.07 | $7,000 | $10,150 |
| Molina Silver Smart Heart Health Molina Healthcare | Silver | HMO | $441.46 | $538.35 | $6,000 | $8,990 |
| Molina Silver Core Molina Healthcare | Silver | HMO | $442.33 | $539.41 | $6,000 | $8,990 |
| Molina Silver Core Plus with Adult Vision Molina Healthcare | Silver | HMO | $445.70 | $543.51 | $6,000 | $8,990 |
| Molina Silver Standard Molina Healthcare | Silver | HMO | $449.03 | $547.58 | $6,000 | $8,900 |
| Molina Silver Core Plus with Adult Dental and Vision Molina Healthcare | Silver | HMO | $457.20 | $557.54 | $6,000 | $8,990 |
| Low Premium Silver 6200 $3 Generic Drugs CareSource | Silver | HMO | $475.23 | $579.53 | $6,200 | $9,800 |
| Low Premium Silver 6200 $3 Generic Drugs + Adult Vision & Fitness CareSource | Silver | HMO | $478.50 | $583.51 | $6,200 | $9,800 |
| Healthy Heart Silver 5000 $0 Chronic Care Drugs & Services CareSource | Silver | HMO | $488.52 | $595.73 | $5,000 | $9,500 |
| Diabetes Silver 5000 $0 Chronic Care Drugs & Services CareSource | Silver | HMO | $490.28 | $597.88 | $5,000 | $9,500 |
| Healthy Heart Silver 5000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness CareSource | Silver | HMO | $491.78 | $599.71 | $5,000 | $9,500 |
| Silver 6000 $20 Generic Drugs CareSource | Silver | HMO | $492.12 | $600.12 | $6,000 | $8,900 |
| Diabetes Silver 5000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness CareSource | Silver | HMO | $493.54 | $601.85 | $5,000 | $9,500 |
| Silver 6000 $20 Generic Drugs + Adult Vision & Fitness CareSource | Silver | HMO | $495.26 | $603.95 | $6,000 | $8,900 |
| Anthem Heart Healthy Silver Pathway 5000 ($0 Virtual PCP + $0 Select Drugs) Anthem Blue Cross and Blue Shield | Silver | HMO | $495.61 | $604.38 | $5,000 | $8,950 |
| Standard Silver Ambetter from Buckeye Health Plan | Silver | HMO | $496.04 | $604.90 | $6,000 | $8,900 |
| Anthem Silver Pathway 6000 Standard ($0 Virtual PCP + $0 Select Drugs) Anthem Blue Cross and Blue Shield | Silver | HMO | $503.63 | $614.16 | $6,000 | $8,900 |
| Complete Silver Ambetter from Buckeye Health Plan | Silver | HMO | $504.35 | $615.04 | $5,950 | $8,850 |
| Standard Silver + Vision + Adult Dental Ambetter from Buckeye Health Plan | Silver | HMO | $511.32 | $623.54 | $6,000 | $8,900 |
| Anthem Silver Pathway 4000 ($0 Virtual PCP + $0 Select Drugs) Anthem Blue Cross and Blue Shield | Silver | HMO | $514.15 | $626.99 | $4,000 | $9,200 |
| Anthem Silver Pathway 4000 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs) Anthem Blue Cross and Blue Shield | Silver | HMO | $519.26 | $633.22 | $4,000 | $9,200 |
| Complete Silver + Vision + Adult Dental Ambetter from Buckeye Health Plan | Silver | HMO | $519.89 | $633.99 | $5,950 | $8,850 |
| Anthem Silver Pathway 5500 for HSA Anthem Blue Cross and Blue Shield | Silver | HMO | $537.67 | $655.67 | $5,500 | $5,500 |
| UHC Silver Standard (No Referrals) UnitedHealthcare | Silver | HMO | $551.10 | $672.05 | $6,000 | $8,900 |
| UHC Silver Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx, No Referrals) UnitedHealthcare | Silver | HMO | $553.85 | $675.41 | $3,250 | $10,600 |
| UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare | Silver | HMO | $557.99 | $680.45 | $0 | $9,800 |
| UHC Silver Standard+ (Dental + Vision, No Referrals) UnitedHealthcare | Silver | HMO | $563.40 | $687.04 | $6,000 | $8,900 |
| HDHP Preventive Silver 5500 $0 Chronic Care Drugs CareSource | Silver | HMO | $565.88 | $690.07 | $5,500 | $5,500 |
| UHC Silver Advantage+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision, No Referrals) UnitedHealthcare | Silver | HMO | $566.15 | $690.40 | $3,250 | $10,600 |
| UHC Silver Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare | Silver | HMO | $570.28 | $695.44 | $0 | $9,800 |
| Silver $5,800 w/ Virtual & Wellness ON-EX MedMutual | Silver | HMO | $600.60 | $732.42 | $5,800 | $9,800 |
| Silver Standard w/ Virtual & Wellness MedMutual | Silver | HMO | $615.22 | $750.24 | $6,000 | $8,900 |
| Silver $5,000 w/ Virtual & Wellness ON-EX MedMutual | Silver | HMO | $615.69 | $750.81 | $5,000 | $8,500 |
| Silver $5,000 w/ Adult Dental ON-EX MedMutual | Silver | HMO | $627.95 | $765.76 | $5,000 | $8,500 |
| Clear Gold Ambetter from Buckeye Health Plan | Gold | HMO | $494.32 | $602.81 | $1,200 | $9,150 |
| Standard Gold Ambetter from Buckeye Health Plan | Gold | HMO | $507.22 | $618.54 | $2,000 | $8,200 |
| Clear Gold + Vision + Adult Dental Ambetter from Buckeye Health Plan | Gold | HMO | $509.56 | $621.38 | $1,200 | $9,150 |
| Molina Gold Core 1640 Molina Healthcare | Gold | HMO | $510.52 | $622.56 | $1,640 | $8,100 |
| Molina Gold Smart Heart Health Molina Healthcare | Gold | HMO | $512.15 | $624.54 | $1,640 | $8,100 |
| Molina Gold Enhanced 895 Molina Healthcare | Gold | HMO | $512.24 | $624.66 | $895 | $8,700 |
| Molina Gold Core 1640 Plus with Adult Vision Molina Healthcare | Gold | HMO | $513.83 | $626.60 | $1,640 | $8,100 |
| Molina Gold Enhanced 895 Plus with Adult Vision Molina Healthcare | Gold | HMO | $515.55 | $628.70 | $895 | $8,700 |
| Standard Gold + Vision + Adult Dental Ambetter from Buckeye Health Plan | Gold | HMO | $522.86 | $637.60 | $2,000 | $8,200 |
| Molina Gold Core 1640 Plus with Adult Dental and Vision Molina Healthcare | Gold | HMO | $525.17 | $640.42 | $1,640 | $8,100 |
| Molina Gold Enhanced 895 Plus with Adult Dental and Vision Molina Healthcare | Gold | HMO | $526.89 | $642.52 | $895 | $8,700 |
| Complete Gold Ambetter from Buckeye Health Plan | Gold | HMO | $530.76 | $647.25 | $1,450 | $7,500 |
| Molina Gold Standard Molina Healthcare | Gold | HMO | $533.10 | $650.09 | $2,000 | $8,200 |
| Complete Gold + Vision + Adult Dental Ambetter from Buckeye Health Plan | Gold | HMO | $547.12 | $667.19 | $1,450 | $7,500 |
| UHC Gold Standard (No Referrals) UnitedHealthcare | Gold | HMO | $654.85 | $798.56 | $2,000 | $8,200 |
| UHC Gold Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) UnitedHealthcare | Gold | HMO | $663.10 | $808.63 | $700 | $7,000 |
| UHC Gold Standard+ (Dental + Vision, No Referrals) UnitedHealthcare | Gold | HMO | $667.14 | $813.56 | $2,000 | $8,200 |
| UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals) UnitedHealthcare | Gold | HMO | $670.17 | $817.25 | $0 | $7,700 |
| Anthem Gold Pathway 2000 Standard ($0 Virtual PCP + $0 Select Drugs) Anthem Blue Cross and Blue Shield | Gold | HMO | $672.73 | $820.37 | $2,000 | $8,200 |
| UHC Gold Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision, No Referrals) UnitedHealthcare | Gold | HMO | $675.39 | $823.62 | $700 | $7,000 |
| UHC Gold Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx, Dental + Vision, No Referrals) UnitedHealthcare | Gold | HMO | $682.47 | $832.24 | $0 | $7,700 |
| Gold Standard w/ Virtual & Wellness MedMutual | Gold | HMO | $686.88 | $837.62 | $2,000 | $8,200 |
| Healthy Heart Gold 3000 $0 Chronic Care Drugs & Services CareSource | Gold | HMO | $688.30 | $839.36 | $3,000 | $8,500 |
| Healthy Heart Gold 3000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness CareSource | Gold | HMO | $691.56 | $843.33 | $3,000 | $8,500 |
| Diabetes Gold 3000 $0 Chronic Care Drugs & Services CareSource | Gold | HMO | $693.67 | $845.91 | $3,000 | $8,500 |
| Gold $500 w/ Virtual & Wellness ON-EX MedMutual | Gold | HMO | $696.31 | $849.12 | $500 | $7,500 |
| Diabetes Gold 3000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness CareSource | Gold | HMO | $696.93 | $849.88 | $3,000 | $8,500 |
| Gold $1,000 w/ Virtual & Wellness ON-EX MedMutual | Gold | HMO | $697.25 | $850.27 | $1,000 | $8,000 |
| Gold $1,000 w/ Adult Dental ON-EX MedMutual | Gold | HMO | $709.98 | $865.79 | $1,000 | $8,000 |
| Core Gold 1500 $10 Generic Drugs CareSource | Gold | HMO | $721.64 | $880.02 | $1,500 | $8,000 |
| Core Gold 1500 $10 Generic Drugs + Adult Vision & Fitness CareSource | Gold | HMO | $724.90 | $883.99 | $1,500 | $8,000 |
| Gold 2000 $15 Generic Drugs CareSource | Gold | HMO | $754.13 | $919.64 | $2,000 | $8,200 |
| Gold 2000 $15 Generic Drugs + Adult Vision & Fitness CareSource | Gold | HMO | $757.39 | $923.61 | $2,000 | $8,200 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $409/mo | $307 | $554 | 35 | 5 |
| 2023 | $446/mo | $360 | $596 | 33 | 5 |
| 2024 | $458/mo | $373 | $630 | 37 | 6 |
| 2025 | $433/mo | $361 | $603 | 37 | 7 |
| 2026 | $517/mo | $441 | $628 | 34 | 6 |
Health Insurance Guides
Choosing a Metal Level
Bronze vs Silver vs Gold vs Platinum — which tier fits your needs and budget
Understanding ACA Subsidies
How premium tax credits work and how to estimate your subsidy amount
Explore Ohio ACA Data
All of Ohio
Statewide premiums, every county ranked by Silver average
Cheapest states
Where ACA premiums are lowest nationwide
Estimate your subsidy
Premium tax credit calculator using your county benchmark
Frequently Asked Questions
How many ACA plans are available in Allen, OH?
There are 99 ACA marketplace plans available in Allen from 6 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Allen?
The lowest-premium plan in Allen starts at $378/mo (Bronze tier, age 27). Silver plans start at $441/mo. Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Allen?
The benchmark (second-lowest Silver) premium in Allen is $441/mo for a 27-year-old. This amount determines how much premium tax credit subsidy you may be eligible for.
How have premiums changed in Allen?
Average premiums in Allen changed by +27.1% year-over-year. Premium trends are tracked from 2022 to 2026 across all metal levels.
What is the average deductible and out-of-pocket maximum in Allen?
The average annual deductible across all plans in Allen is $4,869, and the average out-of-pocket maximum is $9,008. Bronze plans generally have higher deductibles but lower premiums, while Gold and Platinum plans have lower deductibles but higher monthly costs.
Which insurance companies offer plans in Allen?
There are 6 insurance issuers offering ACA marketplace plans in Allen, including Molina Healthcare, CareSource, UnitedHealthcare, and others. Competition among issuers affects plan variety and pricing. More issuers generally mean more choices and potentially lower premiums.
Disclaimer: This page is for informational purposes only and does not constitute insurance or financial advice. Premiums shown are for a 27-year-old non-tobacco user unless otherwise noted. Your actual premium depends on age, location, tobacco use, and subsidy eligibility. Visit HealthCare.gov for official enrollment. Source: CMS Marketplace PUF, PY2026.
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CMS Health Insurance Marketplace Public Use Files. See our methodology for details. Retrieved and formatted by PlainHealthPlan Editorial
