ACA plans available
32
Plan year 2026
2026 data Public-data reference. official source
Floyd, Indiana Health Insurance
Open-data reference.
32 ACA plans from 2 issuers - Plan year 2026
Floyd, Indiana offers 32 ACA marketplace plans from 2 issuers for plan year 2026. Silver plans start at $395/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$441
Avg Silver Premium/mo
$399
Benchmark Premium/mo
+61.7%
Year-over-Year Change
$4,986
Avg Deductible
What the Numbers Say About Floyd
Floyd, Indiana has 32 ACA marketplace plans offered by 2 issuers for plan year 2026. The average Silver-tier premium comes in at $441/mo for a 27-year-old non-tobacco user, with the lowest Silver at $395 and the highest at $464.
The benchmark (second-lowest Silver) premium is $399/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 $4,986 and the average out-of-pocket maximum is $8,411 - numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Floyd shifted by +61.7%, a signal of how local issuer pricing and risk-pool dynamics are trending.
Issuer count is one of the strongest predictors of affordability: with 2 issuers active in Floyd, consumers have some competitive choice, though narrower than the most competitive counties. Every plan sold in Floyd 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
Silver
13 plans$441/mo avg
$395 - $464
Gold
12 plans$599/mo avg
$488 - $716
Platinum
2 plans$873/mo avg
$871 - $874
Benchmark Premium & Subsidies
The benchmark premium (2nd-lowest Silver plan) in Floyd is $399/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
2
Some competition
Benchmark Silver
$399 /mo
Sets your subsidy ceiling
Avg deductible
$4,986
Across all metal tiers
Floyd ACA plans by premium and deductible
Each marker is the Floyd 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 Floyd, plan year 2026. Each point is the county average for one metal tier (premium age 27 vs average annual deductible).
Issuers in Floyd
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| CareSource | 22 | $537/mo |
| Ambetter Health | 10 | $474/mo |
All Plans in Floyd
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| Low Premium Bronze 10600 $25 Generic Drugs CareSource | Expanded Bronze | HMO | $364.64 | $444.66 | $10,600 | $10,600 |
| Low Premium Bronze 10600 $25 Generic Drugs + Adult Vision & Fitness CareSource | Expanded Bronze | HMO | $367.76 | $448.47 | $10,600 | $10,600 |
| Bronze 7500 $25 Generic Drugs CareSource | Expanded Bronze | HMO | $375.32 | $457.69 | $7,500 | $10,000 |
| Bronze 7500 $25 Generic Drugs + Adult Vision & Fitness CareSource | Expanded Bronze | HMO | $378.53 | $461.60 | $7,500 | $10,000 |
| HSA Eligible Bronze 6000 CareSource | Expanded Bronze | HMO | $393.15 | $479.43 | $6,000 | $7,250 |
| Standard Silver Ambetter Health | Silver | HMO | $395.21 | $481.94 | $6,000 | $8,900 |
| Focused Silver Ambetter Health | Silver | HMO | $398.73 | $486.23 | $6,300 | $8,400 |
| Standard Silver + Vision + Adult Dental Ambetter Health | Silver | HMO | $405.63 | $494.65 | $6,000 | $8,900 |
| Focused Silver + Vision + Adult Dental Ambetter Health | Silver | HMO | $409.24 | $499.05 | $6,300 | $8,400 |
| Low Premium Silver 6200 $3 Generic Drugs CareSource | Silver | HMO | $447.42 | $545.61 | $6,200 | $9,800 |
| Low Premium Silver 6200 $3 Generic Drugs + Adult Vision & Fitness CareSource | Silver | HMO | $450.52 | $549.39 | $6,200 | $9,800 |
| Healthy Heart Silver 5000 $0 Chronic Care Drugs & Services CareSource | Silver | HMO | $458.25 | $558.82 | $5,000 | $9,500 |
| Silver 6000 $20 Generic Drugs CareSource | Silver | HMO | $460.01 | $560.96 | $6,000 | $8,900 |
| Diabetes Silver 5000 $0 Chronic Care Drugs & Services CareSource | Silver | HMO | $460.23 | $561.23 | $5,000 | $9,500 |
| Healthy Heart Silver 5000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness CareSource | Silver | HMO | $461.38 | $562.64 | $5,000 | $9,500 |
| Silver 6000 $20 Generic Drugs + Adult Vision & Fitness CareSource | Silver | HMO | $463.06 | $564.68 | $6,000 | $8,900 |
| Diabetes Silver 5000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness CareSource | Silver | HMO | $463.44 | $565.15 | $5,000 | $9,500 |
| HDHP Preventive Silver 5500 $0 Chronic Care Drugs CareSource | Silver | HMO | $463.97 | $565.79 | $5,500 | $5,500 |
| Standard Gold Ambetter Health | Gold | HMO | $487.86 | $594.93 | $2,000 | $8,200 |
| Standard Gold + Vision + Adult Dental Ambetter Health | Gold | HMO | $500.72 | $610.62 | $2,000 | $8,200 |
| Complete Gold Ambetter Health | Gold | HMO | $508.28 | $619.83 | $1,450 | $7,500 |
| Complete Gold + Vision + Adult Dental Ambetter Health | Gold | HMO | $521.68 | $636.17 | $1,450 | $7,500 |
| Elite Gold Ambetter Health | Gold | HMO | $548.90 | $669.36 | $0 | $6,500 |
| Elite Gold + Vision + Adult Dental Ambetter Health | Gold | HMO | $563.37 | $687.01 | $0 | $6,500 |
| Healthy Heart Gold 3000 $0 Chronic Care Drugs & Services CareSource | Gold | HMO | $653.67 | $797.13 | $3,000 | $8,500 |
| Healthy Heart Gold 3000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness CareSource | Gold | HMO | $656.82 | $800.97 | $3,000 | $8,500 |
| Diabetes Gold 3000 $0 Chronic Care Drugs & Services CareSource | Gold | HMO | $657.04 | $801.24 | $3,000 | $8,500 |
| Diabetes Gold 3000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness CareSource | Gold | HMO | $660.18 | $805.07 | $3,000 | $8,500 |
| Gold 2000 $15 Generic Drugs CareSource | Gold | HMO | $712.42 | $868.77 | $2,000 | $8,200 |
| Gold 2000 $15 Generic Drugs + Adult Vision & Fitness CareSource | Gold | HMO | $715.55 | $872.59 | $2,000 | $8,200 |
| Platinum Zero $5 Generic Drugs CareSource | Platinum | HMO | $871.28 | $1,062.50 | $0 | $5,200 |
| Platinum Zero $5 Generic Drugs + Adult Vision & Fitness CareSource | Platinum | HMO | $874.42 | $1,066.32 | $0 | $5,200 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $298/mo | $275 | $322 | 19 | 2 |
| 2023 | $309/mo | $279 | $371 | 16 | 2 |
| 2024 | $321/mo | $269 | $353 | 25 | 3 |
| 2025 | $300/mo | $249 | $378 | 19 | 3 |
| 2026 | $441/mo | $395 | $464 | 13 | 2 |
Frequently Asked Questions
How many ACA plans are available in Floyd, IN?
There are 32 ACA marketplace plans available in Floyd from 2 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Floyd?
Silver plans in Floyd start at $395/mo (age 27). Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Floyd?
The benchmark (second-lowest Silver) premium in Floyd is $399/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 Floyd?
Average premiums in Floyd changed by +61.7% 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 Floyd?
The average annual deductible across all plans in Floyd is $4,986, and the average out-of-pocket maximum is $8,411. 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 Floyd?
There are 2 insurance issuers offering ACA marketplace plans in Floyd, including CareSource, Ambetter Health. 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 Floyd, IN's $399/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
