ACA plans available
60
Plan year 2026
2026 data Public-data reference. official source
Ashland, Ohio Health Insurance
Open-data reference.
60 ACA plans from 4 issuers - Plan year 2026
Ashland, Ohio offers 60 ACA marketplace plans from 4 issuers for plan year 2026. Bronze plans start at $370/mo and Silver plans start at $442/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$484
Avg Silver Premium/mo
$445
Benchmark Premium/mo
+23.9%
Year-over-Year Change
$5,202
Avg Deductible
What the Numbers Say About Ashland
Ashland, Ohio has 60 ACA marketplace plans offered by 4 issuers for plan year 2026. The average Silver-tier premium comes in at $484/mo for a 27-year-old non-tobacco user, with the lowest Silver at $442 and the highest at $538. Bronze plans start at $370/mo, useful for healthy enrollees who want catastrophic protection with the lowest monthly outlay.
The benchmark (second-lowest Silver) premium is $445/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 $5,202 and the average out-of-pocket maximum is $8,891 - numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Ashland shifted by +23.9%, a signal of how local issuer pricing and risk-pool dynamics are trending.
Issuer count is one of the strongest predictors of affordability: with 4 issuers active in Ashland, consumers have meaningful competition to pressure premiums lower. Every plan sold in Ashland is HMO -- there's no alternative network type in this county, so weigh HMO's referral rules and out-of-network coverage before enrolling. 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
2 plans$373/mo avg
$370 - $375
Silver
22 plans$484/mo avg
$442 - $538
Gold
19 plans$592/mo avg
$455 - $704
Benchmark Premium & Subsidies
The benchmark premium (2nd-lowest Silver plan) in Ashland is $445/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
4
Competitive market
Benchmark Silver
$445 /mo
Sets your subsidy ceiling
Avg deductible
$5,202
Across all metal tiers
Ashland ACA plans by premium and deductible
Each marker is the Ashland 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 Ashland, plan year 2026. Each point is the county average for one metal tier (premium age 27 vs average annual deductible).
Issuers in Ashland
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| CareSource | 21 | $524/mo |
| Ambetter from Buckeye Health Plan | 16 | $441/mo |
| MedMutual | 12 | $503/mo |
| Anthem Blue Cross and Blue Shield | 11 | $465/mo |
All Plans in Ashland
| 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 | $370.11 | $451.34 | $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 | $375.11 | $457.43 | $10,600 | $10,600 |
| Standard Expanded Bronze Ambetter from Buckeye Health Plan | Expanded Bronze | HMO | $371.33 | $452.82 | $7,500 | $10,000 |
| Everyday Bronze Ambetter from Buckeye Health Plan | Expanded Bronze | HMO | $372.02 | $453.66 | $8,450 | $10,150 |
| Low Premium Bronze 10600 $25 Generic Drugs CareSource | Expanded Bronze | HMO | $372.67 | $454.46 | $10,600 | $10,600 |
| Bronze $8,300 w/ Virtual & Wellness ON-EX MedMutual | Expanded Bronze | HMO | $373.26 | $455.17 | $8,300 | $10,000 |
| Low Premium Bronze 10600 $25 Generic Drugs + Adult Vision & Fitness CareSource | Expanded Bronze | HMO | $375.69 | $458.15 | $10,600 | $10,600 |
| Bronze $8,300 w/ Adult Dental ON-EX MedMutual | Expanded Bronze | HMO | $380.93 | $464.53 | $8,300 | $10,000 |
| Standard Expanded Bronze + Vision + Adult Dental Ambetter from Buckeye Health Plan | Expanded Bronze | HMO | $382.77 | $466.78 | $7,500 | $10,000 |
| Everyday Bronze + Vision + Adult Dental Ambetter from Buckeye Health Plan | Expanded Bronze | HMO | $383.48 | $467.64 | $8,450 | $10,150 |
| Bronze 7500 $25 Generic Drugs CareSource | Expanded Bronze | HMO | $383.95 | $468.22 | $7,500 | $10,000 |
| Bronze 7500 $25 Generic Drugs + Adult Vision & Fitness CareSource | Expanded Bronze | HMO | $387.04 | $471.98 | $7,500 | $10,000 |
| Bronze Standard w/ Virtual & Wellness MedMutual | Expanded Bronze | HMO | $389.82 | $475.37 | $7,500 | $10,000 |
| Anthem Heart Healthy Bronze Pathway 6000 ($0 Virtual PCP + $0 Select Drugs) Anthem Blue Cross and Blue Shield | Expanded Bronze | HMO | $391.03 | $476.85 | $6,000 | $10,600 |
| Bronze HSA $7,300 ON-EX MedMutual | Expanded Bronze | HMO | $392.65 | $478.82 | $7,300 | $7,300 |
| Anthem Bronze Pathway 8500 for HSA Anthem Blue Cross and Blue Shield | Expanded Bronze | HMO | $399.01 | $486.57 | $8,500 | $8,500 |
| Anthem Bronze Pathway 7500 Standard ($0 Virtual PCP + $0 Select Drugs) Anthem Blue Cross and Blue Shield | Expanded Bronze | HMO | $400.73 | $488.68 | $7,500 | $10,000 |
| Choice Bronze HSA Ambetter from Buckeye Health Plan | Expanded Bronze | HMO | $401.94 | $490.15 | $7,250 | $7,250 |
| Choice Bronze HSA + Vision + Adult Dental Ambetter from Buckeye Health Plan | Expanded Bronze | HMO | $414.33 | $505.26 | $7,250 | $7,250 |
| Low Premium Silver 6200 $3 Generic Drugs CareSource | Silver | HMO | $441.67 | $538.60 | $6,200 | $9,800 |
| Low Premium Silver 6200 $3 Generic Drugs + Adult Vision & Fitness CareSource | Silver | HMO | $444.70 | $542.30 | $6,200 | $9,800 |
| Healthy Heart Silver 5000 $0 Chronic Care Drugs & Services CareSource | Silver | HMO | $454.02 | $553.66 | $5,000 | $9,500 |
| Diabetes Silver 5000 $0 Chronic Care Drugs & Services CareSource | Silver | HMO | $455.66 | $555.66 | $5,000 | $9,500 |
| Standard Silver Ambetter from Buckeye Health Plan | Silver | HMO | $456.83 | $557.09 | $6,000 | $8,900 |
| Healthy Heart Silver 5000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness CareSource | Silver | HMO | $457.05 | $557.35 | $5,000 | $9,500 |
| Silver 6000 $20 Generic Drugs CareSource | Silver | HMO | $457.36 | $557.73 | $6,000 | $8,900 |
| Diabetes Silver 5000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness CareSource | Silver | HMO | $458.68 | $559.35 | $5,000 | $9,500 |
| Silver 6000 $20 Generic Drugs + Adult Vision & Fitness CareSource | Silver | HMO | $460.28 | $561.30 | $6,000 | $8,900 |
| Complete Silver Ambetter from Buckeye Health Plan | Silver | HMO | $464.49 | $566.43 | $5,950 | $8,850 |
| Standard Silver + Vision + Adult Dental Ambetter from Buckeye Health Plan | Silver | HMO | $470.91 | $574.26 | $6,000 | $8,900 |
| Complete Silver + Vision + Adult Dental Ambetter from Buckeye Health Plan | Silver | HMO | $478.80 | $583.88 | $5,950 | $8,850 |
| Anthem Heart Healthy Silver Pathway 5000 ($0 Virtual PCP + $0 Select Drugs) Anthem Blue Cross and Blue Shield | Silver | HMO | $485.45 | $592.00 | $5,000 | $8,950 |
| Anthem Silver Pathway 6000 Standard ($0 Virtual PCP + $0 Select Drugs) Anthem Blue Cross and Blue Shield | Silver | HMO | $493.30 | $601.57 | $6,000 | $8,900 |
| Anthem Silver Pathway 4000 ($0 Virtual PCP + $0 Select Drugs) Anthem Blue Cross and Blue Shield | Silver | HMO | $503.62 | $614.14 | $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 | $508.62 | $620.24 | $4,000 | $9,200 |
| Silver $5,800 w/ Virtual & Wellness ON-EX MedMutual | Silver | HMO | $514.64 | $627.59 | $5,800 | $9,800 |
| HDHP Preventive Silver 5500 $0 Chronic Care Drugs CareSource | Silver | HMO | $525.91 | $641.33 | $5,500 | $5,500 |
| Anthem Silver Pathway 5500 for HSA Anthem Blue Cross and Blue Shield | Silver | HMO | $526.65 | $642.23 | $5,500 | $5,500 |
| Silver Standard w/ Virtual & Wellness MedMutual | Silver | HMO | $527.17 | $642.86 | $6,000 | $8,900 |
| Silver $5,000 w/ Virtual & Wellness ON-EX MedMutual | Silver | HMO | $527.57 | $643.35 | $5,000 | $8,500 |
| Silver $5,000 w/ Adult Dental ON-EX MedMutual | Silver | HMO | $538.07 | $656.16 | $5,000 | $8,500 |
| Clear Gold Ambetter from Buckeye Health Plan | Gold | HMO | $455.25 | $555.16 | $1,200 | $9,150 |
| Standard Gold Ambetter from Buckeye Health Plan | Gold | HMO | $467.13 | $569.65 | $2,000 | $8,200 |
| Clear Gold + Vision + Adult Dental Ambetter from Buckeye Health Plan | Gold | HMO | $469.28 | $572.27 | $1,200 | $9,150 |
| Standard Gold + Vision + Adult Dental Ambetter from Buckeye Health Plan | Gold | HMO | $481.53 | $587.21 | $2,000 | $8,200 |
| Complete Gold Ambetter from Buckeye Health Plan | Gold | HMO | $488.81 | $596.09 | $1,450 | $7,500 |
| Complete Gold + Vision + Adult Dental Ambetter from Buckeye Health Plan | Gold | HMO | $503.88 | $614.46 | $1,450 | $7,500 |
| Gold Standard w/ Virtual & Wellness MedMutual | Gold | HMO | $588.57 | $717.74 | $2,000 | $8,200 |
| Gold $500 w/ Virtual & Wellness ON-EX MedMutual | Gold | HMO | $596.65 | $727.59 | $500 | $7,500 |
| Gold $1,000 w/ Virtual & Wellness ON-EX MedMutual | Gold | HMO | $597.45 | $728.57 | $1,000 | $8,000 |
| Gold $1,000 w/ Adult Dental ON-EX MedMutual | Gold | HMO | $608.36 | $741.87 | $1,000 | $8,000 |
| Healthy Heart Gold 3000 $0 Chronic Care Drugs & Services CareSource | Gold | HMO | $639.69 | $780.08 | $3,000 | $8,500 |
| Healthy Heart Gold 3000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness CareSource | Gold | HMO | $642.72 | $783.77 | $3,000 | $8,500 |
| Diabetes Gold 3000 $0 Chronic Care Drugs & Services CareSource | Gold | HMO | $644.68 | $786.16 | $3,000 | $8,500 |
| Diabetes Gold 3000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness CareSource | Gold | HMO | $647.71 | $789.85 | $3,000 | $8,500 |
| Anthem Gold Pathway 2000 Standard ($0 Virtual PCP + $0 Select Drugs) Anthem Blue Cross and Blue Shield | Gold | HMO | $658.95 | $803.57 | $2,000 | $8,200 |
| Core Gold 1500 $10 Generic Drugs CareSource | Gold | HMO | $670.68 | $817.87 | $1,500 | $8,000 |
| Core Gold 1500 $10 Generic Drugs + Adult Vision & Fitness CareSource | Gold | HMO | $673.70 | $821.56 | $1,500 | $8,000 |
| Gold 2000 $15 Generic Drugs CareSource | Gold | HMO | $700.87 | $854.69 | $2,000 | $8,200 |
| Gold 2000 $15 Generic Drugs + Adult Vision & Fitness CareSource | Gold | HMO | $703.90 | $858.38 | $2,000 | $8,200 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $385/mo | $344 | $431 | 10 | 2 |
| 2023 | $371/mo | $315 | $469 | 30 | 4 |
| 2024 | $413/mo | $363 | $509 | 31 | 5 |
| 2025 | $420/mo | $340 | $529 | 27 | 5 |
| 2026 | $484/mo | $442 | $538 | 22 | 4 |
Frequently Asked Questions
How many ACA plans are available in Ashland, OH?
There are 60 ACA marketplace plans available in Ashland from 4 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Ashland?
The lowest-premium plan in Ashland starts at $370/mo (Bronze tier, age 27). Silver plans start at $442/mo. Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Ashland?
The benchmark (second-lowest Silver) premium in Ashland is $445/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 Ashland?
Average premiums in Ashland changed by +23.9% 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 Ashland?
The average annual deductible across all plans in Ashland is $5,202, and the average out-of-pocket maximum is $8,891. 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 Ashland?
There are 4 insurance issuers offering ACA marketplace plans in Ashland, including CareSource, Ambetter from Buckeye Health Plan, MedMutual, 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.
Counties With a Similar Benchmark Premium
The closest counties nationwide to Ashland, OH's $445/mo benchmark premium.
Data sources
Data sourced from the CMS Health Insurance Marketplace Public Use Files. See our methodology for details. Retrieved and formatted by PlainHealthPlan Editorial
