ACA plans available
74
Plan year 2026
2026 data Public-data reference. official source
Ashtabula, Ohio Health Insurance
Open-data reference.
74 ACA plans from 5 issuers - Plan year 2026
Ashtabula, Ohio offers 74 ACA marketplace plans from 5 issuers for plan year 2026. Bronze plans start at $355/mo and Silver plans start at $401/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$500
Avg Silver Premium/mo
$401
Benchmark Premium/mo
+25.4%
Year-over-Year Change
$4,940
Avg Deductible
What the Numbers Say About Ashtabula
Ashtabula, Ohio has 74 ACA marketplace plans offered by 5 issuers for plan year 2026. The average Silver-tier premium comes in at $500/mo for a 27-year-old non-tobacco user, with the lowest Silver at $401 and the highest at $613. Bronze plans start at $355/mo, useful for healthy enrollees who want catastrophic protection with the lowest monthly outlay.
The benchmark (second-lowest Silver) premium is $401/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 $4,940 and the average out-of-pocket maximum is $9,122 - numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Ashtabula shifted by +25.4%, a signal of how local issuer pricing and risk-pool dynamics are trending.
Issuer count is one of the strongest predictors of affordability: with 5 issuers active in Ashtabula, consumers have meaningful competition to pressure premiums lower. Every plan sold in Ashtabula 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$357/mo avg
$355 - $360
Silver
23 plans$500/mo avg
$401 - $613
Gold
24 plans$582/mo avg
$464 - $710
Benchmark Premium & Subsidies
The benchmark premium (2nd-lowest Silver plan) in Ashtabula is $401/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
5
Competitive market
Benchmark Silver
$401 /mo
Sets your subsidy ceiling
Avg deductible
$4,940
Across all metal tiers
Ashtabula ACA plans by premium and deductible
Each marker is the Ashtabula 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 Ashtabula, plan year 2026. Each point is the county average for one metal tier (premium age 27 vs average annual deductible).
Issuers in Ashtabula
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Molina Healthcare | 22 | $413/mo |
| Oscar Insurance Corporation of Ohio | 16 | $594/mo |
| CareSource | 13 | $546/mo |
| MedMutual | 12 | $485/mo |
| Anthem Blue Cross and Blue Shield | 11 | $445/mo |
All Plans in Ashtabula
| 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 | $354.70 | $432.54 | $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 | $359.50 | $438.39 | $10,600 | $10,600 |
| Molina Bronze Saver 7000 Molina Healthcare | Expanded Bronze | HMO | $350.73 | $427.71 | $7,000 | $10,200 |
| Molina Bronze Standard Molina Healthcare | Expanded Bronze | HMO | $353.71 | $431.34 | $7,500 | $10,000 |
| Molina Bronze Saver 7000 Plus with Adult Vision Molina Healthcare | Expanded Bronze | HMO | $353.75 | $431.39 | $7,000 | $10,200 |
| Bronze $8,300 w/ Virtual & Wellness ON-EX MedMutual | Expanded Bronze | HMO | $359.91 | $438.90 | $8,300 | $10,000 |
| Molina Bronze Smart Heart Health Molina Healthcare | Expanded Bronze | HMO | $360.41 | $439.51 | $4,000 | $9,950 |
| Low Premium Bronze 10600 $25 Generic Drugs CareSource | Expanded Bronze | HMO | $362.41 | $441.94 | $10,600 | $10,600 |
| Molina Bronze Enhanced 3500 Molina Healthcare | Expanded Bronze | HMO | $363.05 | $442.73 | $3,500 | $9,950 |
| Molina Bronze Saver 7000 Plus with Adult Dental and Vision Molina Healthcare | Expanded Bronze | HMO | $364.06 | $443.96 | $7,000 | $10,200 |
| Low Premium Bronze 10600 $25 Generic Drugs + Adult Vision & Fitness CareSource | Expanded Bronze | HMO | $365.35 | $445.53 | $10,600 | $10,600 |
| Molina Bronze Enhanced 3500 Plus with Adult Vision Molina Healthcare | Expanded Bronze | HMO | $366.07 | $446.41 | $3,500 | $9,950 |
| Bronze $8,300 w/ Adult Dental ON-EX MedMutual | Expanded Bronze | HMO | $367.31 | $447.93 | $8,300 | $10,000 |
| Bronze 7500 $25 Generic Drugs CareSource | Expanded Bronze | HMO | $373.38 | $455.33 | $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 | $374.74 | $456.99 | $6,000 | $10,600 |
| Bronze Standard w/ Virtual & Wellness MedMutual | Expanded Bronze | HMO | $375.88 | $458.38 | $7,500 | $10,000 |
| Molina Bronze Enhanced 3500 Plus with Adult Dental and Vision Molina Healthcare | Expanded Bronze | HMO | $376.37 | $458.98 | $3,500 | $9,950 |
| Bronze 7500 $25 Generic Drugs + Adult Vision & Fitness CareSource | Expanded Bronze | HMO | $376.38 | $458.98 | $7,500 | $10,000 |
| Bronze HSA $7,300 ON-EX MedMutual | Expanded Bronze | HMO | $378.61 | $461.70 | $7,300 | $7,300 |
| Anthem Bronze Pathway 8500 for HSA Anthem Blue Cross and Blue Shield | Expanded Bronze | HMO | $382.39 | $466.32 | $8,500 | $8,500 |
| Anthem Bronze Pathway 7500 Standard ($0 Virtual PCP + $0 Select Drugs) Anthem Blue Cross and Blue Shield | Expanded Bronze | HMO | $384.05 | $468.34 | $7,500 | $10,000 |
| Bronze Classic Standard | Cleveland Clinic Oscar Insurance Corporation of Ohio | Expanded Bronze | HMO | $530.55 | $646.99 | $7,500 | $10,000 |
| Bronze Classic PCP Saver | Cleveland Clinic Oscar Insurance Corporation of Ohio | Expanded Bronze | HMO | $538.41 | $656.57 | $7,750 | $9,750 |
| Bronze Simple Diabetes | Cleveland Clinic Oscar Insurance Corporation of Ohio | Expanded Bronze | HMO | $543.17 | $662.38 | $5,500 | $10,150 |
| Bronze Simple Breathe Easy with Enhanced COPD Benefits | Cleveland Clinic Oscar Insurance Corporation of Ohio | Expanded Bronze | HMO | $547.34 | $667.46 | $5,500 | $10,150 |
| Bronze Simple HSA | Cleveland Clinic Oscar Insurance Corporation of Ohio | Expanded Bronze | HMO | $547.79 | $668.01 | $5,000 | $8,000 |
| Bronze Simple Chronic Care CKM | Cleveland Clinic Oscar Insurance Corporation of Ohio | Expanded Bronze | HMO | $551.17 | $672.13 | $5,500 | $10,150 |
| Molina Silver Saver with Four Free PCP Visits Molina Healthcare | Silver | HMO | $401.23 | $489.29 | $7,000 | $10,150 |
| Molina Silver Smart Heart Health Molina Healthcare | Silver | HMO | $401.44 | $489.54 | $6,000 | $8,990 |
| Molina Silver Core Molina Healthcare | Silver | HMO | $402.23 | $490.51 | $6,000 | $8,990 |
| Molina Silver Core Plus with Adult Vision Molina Healthcare | Silver | HMO | $405.29 | $494.24 | $6,000 | $8,990 |
| Molina Silver Standard Molina Healthcare | Silver | HMO | $408.33 | $497.94 | $6,000 | $8,900 |
| Molina Silver Core Plus with Adult Dental and Vision Molina Healthcare | Silver | HMO | $415.75 | $507.00 | $6,000 | $8,990 |
| Silver 6000 $20 Generic Drugs CareSource | Silver | HMO | $444.77 | $542.38 | $6,000 | $8,900 |
| Anthem Heart Healthy Silver Pathway 5000 ($0 Virtual PCP + $0 Select Drugs) Anthem Blue Cross and Blue Shield | Silver | HMO | $465.24 | $567.34 | $5,000 | $8,950 |
| Anthem Silver Pathway 6000 Standard ($0 Virtual PCP + $0 Select Drugs) Anthem Blue Cross and Blue Shield | Silver | HMO | $472.76 | $576.52 | $6,000 | $8,900 |
| Anthem Silver Pathway 4000 ($0 Virtual PCP + $0 Select Drugs) Anthem Blue Cross and Blue Shield | Silver | HMO | $482.65 | $588.57 | $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 | $487.44 | $594.41 | $4,000 | $9,200 |
| Silver $5,800 w/ Virtual & Wellness ON-EX MedMutual | Silver | HMO | $496.24 | $605.15 | $5,800 | $9,800 |
| Anthem Silver Pathway 5500 for HSA Anthem Blue Cross and Blue Shield | Silver | HMO | $504.72 | $615.48 | $5,500 | $5,500 |
| Silver Standard w/ Virtual & Wellness MedMutual | Silver | HMO | $508.32 | $619.88 | $6,000 | $8,900 |
| Silver $5,000 w/ Virtual & Wellness ON-EX MedMutual | Silver | HMO | $508.71 | $620.35 | $5,000 | $8,500 |
| Silver $5,000 w/ Adult Dental ON-EX MedMutual | Silver | HMO | $518.83 | $632.70 | $5,000 | $8,500 |
| Silver Simple Diabetes | Cleveland Clinic Oscar Insurance Corporation of Ohio | Silver | HMO | $588.37 | $717.50 | $6,500 | $10,000 |
| Silver Simple PCP Saver | Cleveland Clinic Oscar Insurance Corporation of Ohio | Silver | HMO | $588.92 | $718.17 | $5,750 | $10,150 |
| Silver Simple Breathe Easy with Enhanced COPD Benefits | Cleveland Clinic Oscar Insurance Corporation of Ohio | Silver | HMO | $591.07 | $720.78 | $6,200 | $9,600 |
| Silver Classic Standard | Cleveland Clinic Oscar Insurance Corporation of Ohio | Silver | HMO | $593.43 | $723.67 | $6,000 | $8,900 |
| Silver Simple Chronic Care CKM | Cleveland Clinic Oscar Insurance Corporation of Ohio | Silver | HMO | $596.40 | $727.29 | $5,900 | $10,150 |
| Silver Simple Women's Health with Menopause Benefits | Cleveland Clinic Oscar Insurance Corporation of Ohio | Silver | HMO | $600.65 | $732.47 | $6,000 | $10,150 |
| Silver Elite Saver Plus | Cleveland Clinic Oscar Insurance Corporation of Ohio | Silver | HMO | $612.71 | $747.18 | $0 | $9,750 |
| Molina Gold Core 1640 Molina Healthcare | Gold | HMO | $464.23 | $566.12 | $1,640 | $8,100 |
| Molina Gold Smart Heart Health Molina Healthcare | Gold | HMO | $465.72 | $567.92 | $1,640 | $8,100 |
| Molina Gold Enhanced 895 Molina Healthcare | Gold | HMO | $465.80 | $568.03 | $895 | $8,700 |
| Molina Gold Core 1640 Plus with Adult Vision Molina Healthcare | Gold | HMO | $467.25 | $569.80 | $1,640 | $8,100 |
| Molina Gold Enhanced 895 Plus with Adult Vision Molina Healthcare | Gold | HMO | $468.82 | $571.70 | $895 | $8,700 |
| Molina Gold Core 1640 Plus with Adult Dental and Vision Molina Healthcare | Gold | HMO | $477.56 | $582.36 | $1,640 | $8,100 |
| Molina Gold Enhanced 895 Plus with Adult Dental and Vision Molina Healthcare | Gold | HMO | $479.12 | $584.27 | $895 | $8,700 |
| Molina Gold Standard Molina Healthcare | Gold | HMO | $484.77 | $591.16 | $2,000 | $8,200 |
| Gold Standard w/ Virtual & Wellness MedMutual | Gold | HMO | $567.52 | $692.08 | $2,000 | $8,200 |
| Gold $500 w/ Virtual & Wellness ON-EX MedMutual | Gold | HMO | $575.31 | $701.58 | $500 | $7,500 |
| Gold $1,000 w/ Virtual & Wellness ON-EX MedMutual | Gold | HMO | $576.09 | $702.53 | $1,000 | $8,000 |
| Gold $1,000 w/ Adult Dental ON-EX MedMutual | Gold | HMO | $586.61 | $715.35 | $1,000 | $8,000 |
| Healthy Heart Gold 3000 $0 Chronic Care Drugs & Services CareSource | Gold | HMO | $622.08 | $758.61 | $3,000 | $8,500 |
| Healthy Heart Gold 3000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness CareSource | Gold | HMO | $625.02 | $762.19 | $3,000 | $8,500 |
| Diabetes Gold 3000 $0 Chronic Care Drugs & Services CareSource | Gold | HMO | $626.93 | $764.52 | $3,000 | $8,500 |
| Diabetes Gold 3000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness CareSource | Gold | HMO | $629.87 | $768.11 | $3,000 | $8,500 |
| Anthem Gold Pathway 2000 Standard ($0 Virtual PCP + $0 Select Drugs) Anthem Blue Cross and Blue Shield | Gold | HMO | $631.50 | $770.10 | $2,000 | $8,200 |
| Core Gold 1500 $10 Generic Drugs CareSource | Gold | HMO | $652.21 | $795.35 | $1,500 | $8,000 |
| Core Gold 1500 $10 Generic Drugs + Adult Vision & Fitness CareSource | Gold | HMO | $655.15 | $798.94 | $1,500 | $8,000 |
| Gold Classic Standard | Cleveland Clinic Oscar Insurance Corporation of Ohio | Gold | HMO | $670.29 | $817.39 | $2,000 | $8,200 |
| Gold 2000 $15 Generic Drugs CareSource | Gold | HMO | $681.57 | $831.15 | $2,000 | $8,200 |
| Gold 2000 $15 Generic Drugs + Adult Vision & Fitness CareSource | Gold | HMO | $684.52 | $834.74 | $2,000 | $8,200 |
| Gold Elite | Cleveland Clinic Oscar Insurance Corporation of Ohio | Gold | HMO | $691.23 | $842.93 | $750 | $7,500 |
| Gold Elite Saver Plus | Cleveland Clinic Oscar Insurance Corporation of Ohio | Gold | HMO | $710.19 | $866.05 | $0 | $8,900 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $379/mo | $262 | $451 | 29 | 4 |
| 2023 | $419/mo | $312 | $480 | 33 | 5 |
| 2024 | $419/mo | $326 | $518 | 32 | 6 |
| 2025 | $414/mo | $329 | $515 | 31 | 6 |
| 2026 | $500/mo | $401 | $613 | 23 | 5 |
Frequently Asked Questions
How many ACA plans are available in Ashtabula, OH?
There are 74 ACA marketplace plans available in Ashtabula from 5 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Ashtabula?
The lowest-premium plan in Ashtabula starts at $355/mo (Bronze tier, age 27). Silver plans start at $401/mo. Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Ashtabula?
The benchmark (second-lowest Silver) premium in Ashtabula is $401/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 Ashtabula?
Average premiums in Ashtabula changed by +25.4% 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 Ashtabula?
The average annual deductible across all plans in Ashtabula is $4,940, and the average out-of-pocket maximum is $9,122. 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 Ashtabula?
There are 5 insurance issuers offering ACA marketplace plans in Ashtabula, including Molina Healthcare, Oscar Insurance Corporation of Ohio, CareSource, 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 Ashtabula, OH's $401/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
