ACA plans available
31
Plan year 2026
2026 data Public-data reference. official source
Clarke, Mississippi Health Insurance
Open-data reference.
31 ACA plans from 3 issuers - Plan year 2026
Clarke, Mississippi offers 31 ACA marketplace plans from 3 issuers for plan year 2026. Bronze plans start at $481/mo and Silver plans start at $561/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$637
Avg Silver Premium/mo
$581
Benchmark Premium/mo
+57.4%
Year-over-Year Change
$4,780
Avg Deductible
What the Numbers Say About Clarke
Clarke, Mississippi has 31 ACA marketplace plans offered by 3 issuers for plan year 2026. The average Silver-tier premium comes in at $637/mo for a 27-year-old non-tobacco user, with the lowest Silver at $561 and the highest at $672. Bronze plans start at $481/mo, useful for healthy enrollees who want catastrophic protection with the lowest monthly outlay.
The benchmark (second-lowest Silver) premium is $581/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 $4,780 and the average out-of-pocket maximum is $9,123 - numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Clarke shifted by +57.4%, a signal of how local issuer pricing and risk-pool dynamics are trending.
Issuer count is one of the strongest predictors of affordability: with 3 issuers active in Clarke, consumers have some competitive choice, though narrower than the most competitive counties. Every plan sold in Clarke 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
1 plan$481/mo avg
$481 - $481
Silver
8 plans$637/mo avg
$561 - $672
Gold
12 plans$769/mo avg
$697 - $852
Benchmark Premium & Subsidies
The benchmark premium (2nd-lowest Silver plan) in Clarke is $581/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
3
Some competition
Benchmark Silver
$581 /mo
Sets your subsidy ceiling
Avg deductible
$4,780
Across all metal tiers
Clarke ACA plans by premium and deductible
Each marker is the Clarke 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 Clarke, plan year 2026. Each point is the county average for one metal tier (premium age 27 vs average annual deductible).
Issuers in Clarke
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| UnitedHealthcare | 15 | $663/mo |
| Ambetter from Magnolia Health | 14 | $625/mo |
| Molina Healthcare | 2 | $758/mo |
All Plans in Clarke
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| UHC Bronze Essential (No Referrals) UnitedHealthcare | Bronze | HMO | $480.81 | $586.33 | $10,600 | $10,600 |
| UHC Bronze Standard (No Referrals) UnitedHealthcare | Expanded Bronze | HMO | $515.89 | $629.11 | $7,500 | $10,000 |
| Everyday Bronze Ambetter from Magnolia Health | Expanded Bronze | HMO | $519.44 | $633.44 | $8,450 | $10,150 |
| Standard Expanded Bronze Ambetter from Magnolia Health | Expanded Bronze | HMO | $521.15 | $635.52 | $7,500 | $10,000 |
| UHC Bronze Standard+ (Dental + Vision, No Referrals) UnitedHealthcare | Expanded Bronze | HMO | $531.35 | $647.96 | $7,500 | $10,000 |
| UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare | Expanded Bronze | HMO | $537.15 | $655.03 | $0 | $10,600 |
| Everyday Bronze + Vision + Adult Dental Ambetter from Magnolia Health | Expanded Bronze | HMO | $538.14 | $656.24 | $8,450 | $10,150 |
| Standard Expanded Bronze + Vision + Adult Dental Ambetter from Magnolia Health | Expanded Bronze | HMO | $539.91 | $658.40 | $7,500 | $10,000 |
| UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare | Expanded Bronze | HMO | $552.60 | $673.88 | $0 | $10,600 |
| Choice Bronze HSA Ambetter from Magnolia Health | Expanded Bronze | HMO | $564.12 | $687.92 | $7,250 | $7,250 |
| Choice Bronze HSA + Vision + Adult Dental Ambetter from Magnolia Health | Expanded Bronze | HMO | $584.43 | $712.69 | $7,250 | $7,250 |
| Standard Silver Ambetter from Magnolia Health | Silver | HMO | $560.88 | $683.97 | $6,000 | $8,900 |
| Standard Silver + Vision + Adult Dental Ambetter from Magnolia Health | Silver | HMO | $581.07 | $708.60 | $6,000 | $8,900 |
| UHC Silver Advantage ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare | Silver | HMO | $646.13 | $787.94 | $3,500 | $10,400 |
| UHC Silver Standard (No Referrals) UnitedHealthcare | Silver | HMO | $656.50 | $800.58 | $6,000 | $8,900 |
| UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare | Silver | HMO | $656.91 | $801.08 | $0 | $10,150 |
| UHC Silver Advantage + ($0 Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare | Silver | HMO | $661.59 | $806.78 | $3,500 | $10,400 |
| Molina Silver Standard Molina Healthcare | Silver | HMO | $663.08 | $808.61 | $6,000 | $8,900 |
| UHC Silver Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare | Silver | HMO | $672.36 | $819.93 | $0 | $10,150 |
| Standard Gold Ambetter from Magnolia Health | Gold | HMO | $697.23 | $850.24 | $2,000 | $8,200 |
| Everyday Gold Ambetter from Magnolia Health | Gold | HMO | $705.63 | $860.49 | $800 | $7,250 |
| Standard Gold + Vision + Adult Dental Ambetter from Magnolia Health | Gold | HMO | $722.33 | $880.85 | $2,000 | $8,200 |
| Complete Gold Ambetter from Magnolia Health | Gold | HMO | $730.21 | $890.47 | $1,450 | $7,500 |
| Everyday Gold + Vision + Adult Dental Ambetter from Magnolia Health | Gold | HMO | $731.04 | $891.47 | $800 | $7,250 |
| Complete Gold + Vision + Adult Dental Ambetter from Magnolia Health | Gold | HMO | $756.50 | $922.53 | $1,450 | $7,500 |
| UHC Gold Value ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals) UnitedHealthcare | Gold | HMO | $794.45 | $968.80 | $2,000 | $9,300 |
| UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) UnitedHealthcare | Gold | HMO | $801.39 | $977.27 | $0 | $9,300 |
| UHC Gold Value + ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals) UnitedHealthcare | Gold | HMO | $809.90 | $987.65 | $2,000 | $9,300 |
| UHC Gold Standard (No Referrals) UnitedHealthcare | Gold | HMO | $816.18 | $995.30 | $2,000 | $8,200 |
| UHC Gold Copay Focus + $0 Indiv Med Ded ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision, No Referrals) UnitedHealthcare | Gold | HMO | $816.85 | $996.12 | $0 | $9,300 |
| Molina Gold Standard Molina Healthcare | Gold | HMO | $852.09 | $1,039.10 | $2,000 | $8,200 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $398/mo | $370 | $451 | 18 | 3 |
| 2023 | $402/mo | $378 | $453 | 15 | 3 |
| 2024 | $422/mo | $395 | $466 | 20 | 4 |
| 2025 | $436/mo | $388 | $497 | 16 | 4 |
| 2026 | $637/mo | $561 | $672 | 8 | 3 |
Frequently Asked Questions
How many ACA plans are available in Clarke, MS?
There are 31 ACA marketplace plans available in Clarke from 3 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Clarke?
The lowest-premium plan in Clarke starts at $481/mo (Bronze tier, age 27). Silver plans start at $561/mo. Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Clarke?
The benchmark (second-lowest Silver) premium in Clarke is $581/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 Clarke?
Average premiums in Clarke changed by +57.4% 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 Clarke?
The average annual deductible across all plans in Clarke is $4,780, and the average out-of-pocket maximum is $9,123. 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 Clarke?
There are 3 insurance issuers offering ACA marketplace plans in Clarke, including UnitedHealthcare, Ambetter from Magnolia Health, Molina Healthcare. 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 Clarke, MS's $581/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
