ACA plans available
39
Plan year 2026
CMS Marketplace county · plan year 2026
Cheshire, New Hampshire ACA premiums
County-level marketplace aggregates from CMS Public Use Files. Listed rates are age-27 premiums unless noted.
Data updated 2026-08-30
- $412
- Silver avg/mo
- 39
- ACA plans
- 3
- Issuers
- +33.9%
- YoY premium
Silver avg $412/mo
Cheshire, New Hampshire has 39 ACA marketplace plans from 3 issuers (plan year 2026). Average Silver premium is $412/mo; Bronze averages $343/mo and Gold $459/mo. Figures are CMS Marketplace Public Use File county aggregates for age-27 rates.
- County Silver corpus place #2047 of 2055 (highest = #1)
- Benchmark (2nd-lowest Silver) $361/mo
- Plan year 2026 CMS PUF
Silver rank is not plan-count rank
According to CMS Marketplace Public Use Files, Cheshire, New Hampshire ranks #2,047 of 2,055 counties by listed Silver average ($412/mo) and #1,227 of 2,055 by plan count (39 plans).
- #2,047 of 2,055
- Silver average among 2,055 counties
- $412
- Listed Silver average /mo
- #1,227 of 2,055
- Plan count among 2,055 counties
- 39
- Listed ACA plans in this county
Highest listed Silver average = #1. Most listed plans = #1. County of residence still governs which plans CMS files for that FIPS.
Cheshire, New Hampshire offers 39 ACA marketplace plans from 3 issuers for plan year 2026. Bronze plans start at $265/mo and Silver plans start at $340/mo (age 27 listed rates). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$412
Avg Silver Premium/mo
$361
Benchmark Premium/mo
+33.9%
Year-over-Year Change
$4,897
Avg Deductible
Lower-premium band
Cheshire in the lower-premium third
$412/mo Silver avg sits in the bottom third of tracked federal-marketplace counties. Corpus place #2047 of 2055 (highest Silver = #1).
Floor-to-ceiling Silver runs $340–$573/mo. Network types split fairly evenly here between HMO and EPO, so comparing referral rules and out-of-network coverage across those two matters as much as comparing metal tiers.
Source: CMS Marketplace Public Use Files, plan year 2026. Informational only; confirm options at HealthCare.gov. How we place counties.
Premiums by Metal Level
Bronze-tier cards fold CMS Expanded Bronze into Bronze (same population as county_trends and methodology). Plan rows and the premium-vs-deductible chart below keep the CMS source label.
Bronze
13 plans$343/mo avg
$265 - $466
Silver
13 plans$412/mo avg
$340 - $573
Gold
12 plans$459/mo avg
$402 - $587
Catastrophic plan available: avg $228/mo (1 plan) - only for individuals under 30 or with a hardship exemption.
Benchmark premium & subsidies
The benchmark (second-lowest Silver) premium in Cheshire is $361/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.
Issuers in market
3
Some competition
Benchmark Silver
$361 /mo
Sets your subsidy ceiling
Avg deductible
$4,897
Across all metal tiers
B
Marketplace Access Score
70/100
Cheshire
Based on benchmark premium, plan and issuer counts, and average deductible across 2,055 tracked ACA marketplace counties, not plan quality, network adequacy, or provider access.
Affordability A+
$361/mo
Benchmark Silver premium; rank #2047 of 2055 tracked counties (cheapest first)
Plan Choice D
39 plans
ACA marketplace plan count; rank #1227 of 2055 tracked counties (most first)
Issuer Competition D
3 issuers
Distinct marketplace issuers; rank #1057 of 2055 tracked counties (most first)
Cost Predictability B-
$4,897
Average deductible across tracked plans; rank #1393 of 2055 tracked counties (lowest first)
Cheshire ACA plans by premium and deductible
Each marker is the Cheshire 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.
Cheshire ACA marketplace plans: premium vs deductible
How Cheshire's Silver premium compares nationwide
2,055 federal-marketplace counties with a tracked Silver average, banded by monthly premium.
Cheshire vs 2,055 tracked counties
Average Silver premium (age 27), CMS Marketplace Public Use Files
$412 2047th of 2055 higher than 5 of 2,055 counties
Counties, banded by average Silver premium
Each bar is a $1-wide band; taller bars hold more counties. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source CMS Marketplace Public Use Files · 2026-08-30
Issuers in Cheshire
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Ambetter from NH Healthy Families | 18 | $372/mo |
| Anthem Blue Cross and Blue Shield | 12 | $345/mo |
| Harvard Pilgrim Health Care | 9 | $525/mo |
All Plans in Cheshire
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| Anthem Catastrophic Pathway X Enhanced Anthem Blue Cross and Blue Shield | Catastrophic | HMO | $227.64 | $277.59 | $10,600 | $10,600 |
| Anthem Bronze Pathway X Enhanced 7000/0% ($0 Virtual PCP + $0 Select Drugs) Anthem Blue Cross and Blue Shield | Expanded Bronze | HMO | $265.35 | $323.59 | $7,000 | $10,000 |
| Anthem Bronze Pathway X Enhanced 7500/50% ($0 Virtual PCP + $0 Select Drugs) Standard Anthem Blue Cross and Blue Shield | Expanded Bronze | HMO | $289.68 | $353.25 | $7,500 | $10,000 |
| Anthem Heart Healthy Bronze Pathway X Enhanced 6000/40% ($0 Virtual PCP + $0 Select Drugs) Anthem Blue Cross and Blue Shield | Expanded Bronze | HMO | $291.31 | $355.25 | $6,000 | $10,000 |
| Anthem Bronze Pathway X Enhanced 6000/35% HSA Anthem Blue Cross and Blue Shield | Expanded Bronze | HMO | $300.55 | $366.50 | $6,000 | $8,000 |
| Standard Expanded Bronze Ambetter from NH Healthy Families | Expanded Bronze | EPO | $302.56 | $368.97 | $7,500 | $10,000 |
| Standard Expanded Bronze + Vision + Adult Dental Ambetter from NH Healthy Families | Expanded Bronze | EPO | $312.29 | $380.82 | $7,500 | $10,000 |
| Choice Bronze HSA Ambetter from NH Healthy Families | Expanded Bronze | EPO | $326.74 | $398.45 | $7,250 | $7,250 |
| Choice Bronze HSA + Vision + Adult Dental Ambetter from NH Healthy Families | Expanded Bronze | EPO | $337.24 | $411.25 | $7,250 | $7,250 |
| Elite Bronze Ambetter from NH Healthy Families | Expanded Bronze | EPO | $341.87 | $416.90 | $0 | $10,150 |
| Elite Bronze + Vision + Adult Dental Ambetter from NH Healthy Families | Expanded Bronze | EPO | $352.86 | $430.30 | $0 | $10,150 |
| NH Local Choice HMO HSA Bronze 6000 Harvard Pilgrim Health Care | Expanded Bronze | HMO | $426.15 | $519.67 | $6,000 | $7,500 |
| NH Local Choice HMO Bronze 8000 + $0 Rx list + $0 Virtual Urgent Care Harvard Pilgrim Health Care | Expanded Bronze | HMO | $447.73 | $545.99 | $8,000 | $9,100 |
| NH Local HMO Bronze 7500 Standard + $0 Rx list + $0 Virtual Urgent Care Harvard Pilgrim Health Care | Expanded Bronze | HMO | $466.11 | $568.40 | $7,500 | $10,000 |
| Anthem Silver Pathway X Enhanced 6000/40% ($0 Virtual PCP + $0 Select Drugs) Standard Anthem Blue Cross and Blue Shield | Silver | HMO | $339.99 | $414.61 | $6,000 | $8,900 |
| Anthem Silver Pathway X Enhanced 5500/20% ($0 Virtual PCP + $0 Select Drugs) Anthem Blue Cross and Blue Shield | Silver | HMO | $360.74 | $439.91 | $5,500 | $8,500 |
| Clear Silver Ambetter from NH Healthy Families | Silver | EPO | $363.26 | $442.98 | $7,000 | $7,000 |
| Anthem Silver Pathway X Enhanced 4500/20% HSA Anthem Blue Cross and Blue Shield | Silver | HMO | $365.24 | $445.40 | $4,500 | $6,000 |
| Standard Silver Ambetter from NH Healthy Families | Silver | EPO | $366.69 | $447.17 | $6,000 | $8,900 |
| Complete Silver Ambetter from NH Healthy Families | Silver | EPO | $370.54 | $451.86 | $5,950 | $8,850 |
| Clear Silver + Vision + Adult Dental Ambetter from NH Healthy Families | Silver | EPO | $374.93 | $457.22 | $7,000 | $7,000 |
| Standard Silver + Vision + Adult Dental Ambetter from NH Healthy Families | Silver | EPO | $378.48 | $461.54 | $6,000 | $8,900 |
| Complete Silver + Vision + Adult Dental Ambetter from NH Healthy Families | Silver | EPO | $382.45 | $466.38 | $5,950 | $8,850 |
| Anthem Heart Healthy Silver Pathway X Enhanced 4000/0% ($0 Virtual PCP + $0 Select Drugs) Anthem Blue Cross and Blue Shield | Silver | HMO | $391.72 | $477.69 | $4,000 | $9,000 |
| NH Local HMO Silver 6000 Standard + $0 Rx list + $0 Virtual Urgent Care Harvard Pilgrim Health Care | Silver | HMO | $538.04 | $656.12 | $6,000 | $8,900 |
| NH Local Choice HMO Silver 5000 + $0 Rx list + $0 Virtual Urgent Care Harvard Pilgrim Health Care | Silver | HMO | $555.62 | $677.57 | $5,000 | $8,500 |
| NH Local Choice HMO Silver 3500 + $0 Rx list + $0 Virtual Urgent Care Harvard Pilgrim Health Care | Silver | HMO | $573.21 | $699.01 | $3,500 | $8,200 |
| Standard Gold Ambetter from NH Healthy Families | Gold | EPO | $401.54 | $489.67 | $2,000 | $8,200 |
| Everyday Gold Ambetter from NH Healthy Families | Gold | EPO | $404.97 | $493.85 | $800 | $7,250 |
| Standard Gold + Vision + Adult Dental Ambetter from NH Healthy Families | Gold | EPO | $414.44 | $505.40 | $2,000 | $8,200 |
| Everyday Gold + Vision + Adult Dental Ambetter from NH Healthy Families | Gold | EPO | $417.98 | $509.72 | $800 | $7,250 |
| Complete Gold Ambetter from NH Healthy Families | Gold | EPO | $418.27 | $510.07 | $1,450 | $7,500 |
| Anthem Gold Pathway X Enhanced 700/40% ($0 Virtual PCP + $0 Select Drugs) Anthem Blue Cross and Blue Shield | Gold | HMO | $430.49 | $524.96 | $700 | $7,500 |
| Complete Gold + Vision + Adult Dental Ambetter from NH Healthy Families | Gold | EPO | $431.71 | $526.46 | $1,450 | $7,500 |
| Anthem Gold Pathway X Enhanced 2000/25% ($0 Virtual PCP + $0 Select Drug) Standard Anthem Blue Cross and Blue Shield | Gold | HMO | $437.26 | $533.22 | $2,000 | $8,200 |
| Anthem Gold Pathway X Enhanced 1200/20% ($0 Virtual PCP + $0 Select Drugs) Anthem Blue Cross and Blue Shield | Gold | HMO | $438.92 | $535.25 | $1,200 | $9,000 |
| NH Local HMO Gold 2000 Standard + $0 Rx list + $0 Virtual Urgent Care Harvard Pilgrim Health Care | Gold | HMO | $555.62 | $677.57 | $2,000 | $8,200 |
| NH Local Choice HMO Gold 1400 + $0 Rx list + $0 Virtual Urgent Care Harvard Pilgrim Health Care | Gold | HMO | $574.81 | $700.96 | $1,400 | $7,500 |
| NH Local Choice HMO Gold + $0 Rx list + $0 Virtual Urgent Care Harvard Pilgrim Health Care | Gold | HMO | $586.80 | $715.58 | $0 | $8,700 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $288/mo | $250 | $357 | 19 | 3 |
| 2023 | $304/mo | $260 | $377 | 25 | 3 |
| 2024 | $305/mo | $265 | $347 | 18 | 3 |
| 2025 | $310/mo | $269 | $385 | 13 | 3 |
| 2026 | $412/mo | $340 | $573 | 13 | 3 |
What this means for Cheshire
Use Cheshire's own numbers here, not a national average, before you enroll.
- $412/mo Silver average sits in the bottom third of tracked counties nationally -- a subsidized Silver plan can already beat Bronze on total cost here. See how subsidies work
- 39 plans from 3 issuers here -- see how that stacks up against the cheapest counties nationwide. See cheapest counties
Averages and tercile bands are CMS Marketplace Public Use File aggregates for this county; your actual premium depends on your age, household income, and chosen plan.
Frequently Asked Questions
Why is Cheshire's Silver premium in the lower band?
Cheshire ranks #2047 of 2055 tracked federal-marketplace counties by average Silver premium (highest = #1; CMS PUF sort). Local Silver avg is $412/mo. See /methodology#corpus-placement.
How many ACA plans are available in Cheshire, NH?
There are 39 ACA marketplace plans available in Cheshire from 3 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Cheshire?
The lowest-premium plan in Cheshire starts at $265/mo (Bronze tier, age 27). Silver plans start at $340/mo. Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Cheshire?
The benchmark (second-lowest Silver) premium in Cheshire is $361/mo for a 27-year-old. This amount determines how much premium tax credit subsidy you may be eligible for.
Why did Cheshire premiums rise +33.9% year-over-year?
The average age-27 premium in Cheshire changed by +33.9% between plan years 2025 and 2026, measured across Bronze, Silver, Gold, Platinum and Catastrophic plans. Premium trends are tracked from 2022 to 2026.
What is the average deductible and out-of-pocket maximum in Cheshire?
The average annual deductible across all plans in Cheshire is $4,897, and the average out-of-pocket maximum is $8,526. 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 Cheshire?
There are 3 insurance issuers offering ACA marketplace plans in Cheshire, including Ambetter from NH Healthy Families, Anthem Blue Cross and Blue Shield, Harvard Pilgrim Health Care. 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 Cheshire, NH's $361/mo benchmark premium.
One of 2,054 counties nationwide with a tracked benchmark premium, 5 are shown here.
Nationwide counties with similar marketplace profiles
Two CMS Marketplace peer sets for Cheshire, NH, both outside NH so the neighborhoods are not state containment (the similar-premium list above may still include same-state rating-area siblings). Peers are drawn from counties with ≥20 plans, the rankings-scale corpus.
Similar benchmark premium
Nearest other-state counties by benchmark premium ($361/mo here).
Similar issuer competition
Nearest other-state counties by issuer count (3 here).
Data sources
Data sourced from the CMS Health Insurance Marketplace Public Use Files. See our methodology for details. Retrieved and formatted by PlainHealthPlan
PlainHealthPlan is rendered directly from CMS Health Insurance Marketplace Public Use Files, no number is typed in by an editor. Plan and premium figures for this county come from the live CMS Marketplace PUF aggregates. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of August 2026.