ACA plans available
130
Plan year 2026
CMS Marketplace county · plan year 2026
Franklin, Ohio ACA premiums
County-level marketplace aggregates from CMS Public Use Files. Listed rates are age-27 premiums unless noted.
Data updated 2026-08-30
- $569
- Silver avg/mo
- 130
- ACA plans
- 8
- Issuers
- +22.7%
- YoY premium
Silver avg $569/mo
Franklin, Ohio has 130 ACA marketplace plans from 8 issuers (plan year 2026). Average Silver premium is $569/mo; Bronze averages $446/mo and Gold $705/mo. Figures are CMS Marketplace Public Use File county aggregates for age-27 rates.
- County Silver corpus place #1516 of 2055 (highest = #1)
- Benchmark (2nd-lowest Silver) $441/mo
- Plan year 2026 CMS PUF
Silver rank is not plan-count rank
According to CMS Marketplace Public Use Files, Franklin, Ohio ranks #1,516 of 2,055 counties by listed Silver average ($569/mo) and #30 of 2,055 by plan count (130 plans).
- #1,516 of 2,055
- Silver average among 2,055 counties
- $569
- Listed Silver average /mo
- #30 of 2,055
- Plan count among 2,055 counties
- 130
- 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.
Franklin, Ohio offers 130 ACA marketplace plans from 8 issuers for plan year 2026. Bronze plans start at $326/mo and Silver plans start at $433/mo (age 27 listed rates). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$569
Avg Silver Premium/mo
$441
Benchmark Premium/mo
+22.7%
Year-over-Year Change
$5,058
Avg Deductible
Lower-premium band
Franklin in the lower-premium third
$569/mo Silver avg sits in the bottom third of tracked federal-marketplace counties. Corpus place #1516 of 2055 (highest Silver = #1).
Floor-to-ceiling Silver runs $433–$756/mo. Every plan sold in Franklin is HMO -- there's no alternative network type in this county, so weigh HMO's referral rules and out-of-network coverage before enrolling.
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
43 plans$446/mo avg
$326 - $557
Silver
46 plans$569/mo avg
$433 - $756
Gold
41 plans$705/mo avg
$441 - $1,012
Benchmark premium & subsidies
The benchmark (second-lowest Silver) premium in Franklin is $441/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
8
Competitive market
Benchmark Silver
$441 /mo
Sets your subsidy ceiling
Avg deductible
$5,058
Across all metal tiers
B+
Marketplace Access Score
77/100
Franklin
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 B
$441/mo
Benchmark Silver premium; rank #1516 of 2055 tracked counties (cheapest first)
Plan Choice A+
130 plans
ACA marketplace plan count; rank #30 of 2055 tracked counties (most first)
Issuer Competition A+
8 issuers
Distinct marketplace issuers; rank #31 of 2055 tracked counties (most first)
Cost Predictability D
$5,058
Average deductible across tracked plans; rank #959 of 2055 tracked counties (lowest first)
Franklin ACA plans by premium and deductible
Each marker is the Franklin 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.
Franklin ACA marketplace plans: premium vs deductible
How Franklin's Silver premium compares nationwide
2,055 federal-marketplace counties with a tracked Silver average, banded by monthly premium.
Franklin vs 2,055 tracked counties
Average Silver premium (age 27), CMS Marketplace Public Use Files
$569 1516th of 2055 higher than 537 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 Franklin
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Molina Healthcare | 22 | $587/mo |
| CareSource | 21 | $753/mo |
| UnitedHealthcare | 17 | $676/mo |
| Oscar Health Insurance | 16 | $406/mo |
| Ambetter from Buckeye Health Plan | 16 | $504/mo |
| Antidote Health Plan of Ohio, Inc. | 15 | $476/mo |
| MedMutual | 12 | $555/mo |
| Anthem Blue Cross and Blue Shield | 11 | $517/mo |
All Plans in Franklin
| 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 | $411.47 | $501.77 | $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 | $417.03 | $508.55 | $10,600 | $10,600 |
| UHC Bronze Essential ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare | Bronze | HMO | $485.78 | $592.40 | $10,600 | $10,600 |
| Bronze Classic Standard Oscar Health Insurance | Expanded Bronze | HMO | $325.78 | $397.28 | $7,500 | $10,000 |
| Bronze Classic 4700 Oscar Health Insurance | Expanded Bronze | HMO | $330.26 | $402.74 | $4,700 | $10,150 |
| Bronze Simple Diabetes Oscar Health Insurance | Expanded Bronze | HMO | $332.74 | $405.77 | $5,500 | $10,150 |
| Bronze Simple Breathe Easy with Enhanced COPD Benefits Oscar Health Insurance | Expanded Bronze | HMO | $334.29 | $407.65 | $5,500 | $10,150 |
| Bronze Simple Chronic Care CKM Oscar Health Insurance | Expanded Bronze | HMO | $336.87 | $410.80 | $5,500 | $10,150 |
| Bronze Complete 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx Antidote Health Plan of Ohio, Inc. | Expanded Bronze | HMO | $338.86 | $413.23 | $8,700 | $10,600 |
| Bronze Complete+Dental 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx Antidote Health Plan of Ohio, Inc. | Expanded Bronze | HMO | $348.91 | $425.49 | $8,700 | $10,600 |
| Bronze Elite + PCP Saver Plus Oscar Health Insurance | Expanded Bronze | HMO | $353.33 | $430.87 | $0 | $10,600 |
| Bronze Elite 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care/Referred Labs, $0 Advanced Rx Antidote Health Plan of Ohio, Inc. | Expanded Bronze | HMO | $362.77 | $442.38 | $8,000 | $10,600 |
| Bronze Standard Antidote Health Plan of Ohio, Inc. | Expanded Bronze | HMO | $368.52 | $449.39 | $7,500 | $10,000 |
| Bronze Elite+Dental 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care/Referred Labs, $0 Advanced Rx Antidote Health Plan of Ohio, Inc. | Expanded Bronze | HMO | $372.83 | $454.65 | $8,000 | $10,600 |
| Bronze $8,300 w/ Virtual & Wellness ON-EX MedMutual | Expanded Bronze | HMO | $412.06 | $502.49 | $8,300 | $10,000 |
| Bronze $8,300 w/ Adult Dental ON-EX MedMutual | Expanded Bronze | HMO | $420.53 | $512.83 | $8,300 | $10,000 |
| Standard Expanded Bronze Ambetter from Buckeye Health Plan | Expanded Bronze | HMO | $423.86 | $516.88 | $7,500 | $10,000 |
| Everyday Bronze Ambetter from Buckeye Health Plan | Expanded Bronze | HMO | $424.65 | $517.84 | $8,450 | $10,150 |
| Bronze Standard w/ Virtual & Wellness MedMutual | Expanded Bronze | HMO | $430.35 | $524.79 | $7,500 | $10,000 |
| Bronze HSA $7,300 ON-EX MedMutual | Expanded Bronze | HMO | $433.47 | $528.60 | $7,300 | $7,300 |
| Anthem Heart Healthy Bronze Pathway 6000 ($0 Virtual PCP + $0 Select Drugs) Anthem Blue Cross and Blue Shield | Expanded Bronze | HMO | $434.73 | $530.14 | $6,000 | $10,600 |
| Standard Expanded Bronze + Vision + Adult Dental Ambetter from Buckeye Health Plan | Expanded Bronze | HMO | $436.92 | $532.81 | $7,500 | $10,000 |
| Everyday Bronze + Vision + Adult Dental Ambetter from Buckeye Health Plan | Expanded Bronze | HMO | $437.73 | $533.80 | $8,450 | $10,150 |
| Anthem Bronze Pathway 8500 for HSA Anthem Blue Cross and Blue Shield | Expanded Bronze | HMO | $443.60 | $540.95 | $8,500 | $8,500 |
| Anthem Bronze Pathway 7500 Standard ($0 Virtual PCP + $0 Select Drugs) Anthem Blue Cross and Blue Shield | Expanded Bronze | HMO | $445.52 | $543.29 | $7,500 | $10,000 |
| Choice Bronze HSA Ambetter from Buckeye Health Plan | Expanded Bronze | HMO | $458.80 | $559.49 | $7,250 | $7,250 |
| Choice Bronze HSA + Vision + Adult Dental Ambetter from Buckeye Health Plan | Expanded Bronze | HMO | $472.94 | $576.73 | $7,250 | $7,250 |
| Molina Bronze Saver 7000 Molina Healthcare | Expanded Bronze | HMO | $497.97 | $607.26 | $7,000 | $10,200 |
| Molina Bronze Standard Molina Healthcare | Expanded Bronze | HMO | $502.20 | $612.41 | $7,500 | $10,000 |
| Molina Bronze Saver 7000 Plus with Adult Vision Molina Healthcare | Expanded Bronze | HMO | $502.25 | $612.48 | $7,000 | $10,200 |
| Molina Bronze Smart Heart Health Molina Healthcare | Expanded Bronze | HMO | $511.71 | $624.02 | $4,000 | $9,950 |
| UHC Bronze Standard (No Referrals) UnitedHealthcare | Expanded Bronze | HMO | $511.99 | $624.35 | $7,500 | $10,000 |
| Molina Bronze Enhanced 3500 Molina Healthcare | Expanded Bronze | HMO | $515.46 | $628.59 | $3,500 | $9,950 |
| Molina Bronze Saver 7000 Plus with Adult Dental and Vision Molina Healthcare | Expanded Bronze | HMO | $516.89 | $630.33 | $7,000 | $10,200 |
| Molina Bronze Enhanced 3500 Plus with Adult Vision Molina Healthcare | Expanded Bronze | HMO | $519.74 | $633.81 | $3,500 | $9,950 |
| UHC Bronze Standard+ (Dental + Vision, No Referrals) UnitedHealthcare | Expanded Bronze | HMO | $526.81 | $642.42 | $7,500 | $10,000 |
| UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare | Expanded Bronze | HMO | $530.02 | $646.34 | $0 | $10,600 |
| Molina Bronze Enhanced 3500 Plus with Adult Dental and Vision Molina Healthcare | Expanded Bronze | HMO | $534.38 | $651.65 | $3,500 | $9,950 |
| Low Premium Bronze 10600 $25 Generic Drugs CareSource | Expanded Bronze | HMO | $536.02 | $653.66 | $10,600 | $10,600 |
| Low Premium Bronze 10600 $25 Generic Drugs + Adult Vision & Fitness CareSource | Expanded Bronze | HMO | $540.37 | $658.96 | $10,600 | $10,600 |
| UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare | Expanded Bronze | HMO | $544.83 | $664.41 | $0 | $10,600 |
| Bronze 7500 $25 Generic Drugs CareSource | Expanded Bronze | HMO | $552.25 | $673.45 | $7,500 | $10,000 |
| Bronze 7500 $25 Generic Drugs + Adult Vision & Fitness CareSource | Expanded Bronze | HMO | $556.69 | $678.86 | $7,500 | $10,000 |
| Silver Complete 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx Antidote Health Plan of Ohio, Inc. | Silver | HMO | $432.72 | $527.69 | $7,500 | $10,600 |
| Silver Classic Standard Oscar Health Insurance | Silver | HMO | $441.22 | $538.05 | $6,000 | $8,900 |
| Silver Simple PCP Saver Oscar Health Insurance | Silver | HMO | $442.26 | $539.32 | $5,750 | $10,150 |
| Silver Simple Diabetes Oscar Health Insurance | Silver | HMO | $442.69 | $539.84 | $6,500 | $10,000 |
| Silver Complete+Dental 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx Antidote Health Plan of Ohio, Inc. | Silver | HMO | $442.77 | $539.95 | $7,500 | $10,600 |
| Silver Simple Breathe Easy with Enhanced COPD Benefits Oscar Health Insurance | Silver | HMO | $442.85 | $540.04 | $6,200 | $9,600 |
| Silver Simple Chronic Care CKM Oscar Health Insurance | Silver | HMO | $446.96 | $545.05 | $5,900 | $10,150 |
| Silver Elite Saver Plus Oscar Health Insurance | Silver | HMO | $447.92 | $546.22 | $0 | $9,750 |
| Silver Simple Women's Health with Menopause Benefits Oscar Health Insurance | Silver | HMO | $450.97 | $549.94 | $6,000 | $10,150 |
| Silver Elite 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care/Referred Labs, $0 Advanced Rx Antidote Health Plan of Ohio, Inc. | Silver | HMO | $468.57 | $571.41 | $6,500 | $10,600 |
| Silver Elite+Dental 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care/Referred Labs, $0 Advanced Rx Antidote Health Plan of Ohio, Inc. | Silver | HMO | $478.62 | $583.67 | $6,500 | $10,600 |
| Silver Standard Antidote Health Plan of Ohio, Inc. | Silver | HMO | $497.46 | $606.63 | $6,000 | $8,900 |
| Standard Silver Ambetter from Buckeye Health Plan | Silver | HMO | $521.46 | $635.90 | $6,000 | $8,900 |
| Complete Silver Ambetter from Buckeye Health Plan | Silver | HMO | $530.19 | $646.55 | $5,950 | $8,850 |
| Standard Silver + Vision + Adult Dental Ambetter from Buckeye Health Plan | Silver | HMO | $537.53 | $655.49 | $6,000 | $8,900 |
| Anthem Heart Healthy Silver Pathway 5000 ($0 Virtual PCP + $0 Select Drugs) Anthem Blue Cross and Blue Shield | Silver | HMO | $539.71 | $658.16 | $5,000 | $8,950 |
| Complete Silver + Vision + Adult Dental Ambetter from Buckeye Health Plan | Silver | HMO | $546.53 | $666.48 | $5,950 | $8,850 |
| Anthem Silver Pathway 6000 Standard ($0 Virtual PCP + $0 Select Drugs) Anthem Blue Cross and Blue Shield | Silver | HMO | $548.44 | $668.80 | $6,000 | $8,900 |
| Anthem Silver Pathway 4000 ($0 Virtual PCP + $0 Select Drugs) Anthem Blue Cross and Blue Shield | Silver | HMO | $559.89 | $682.77 | $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 | $565.46 | $689.56 | $4,000 | $9,200 |
| Silver $5,800 w/ Virtual & Wellness ON-EX MedMutual | Silver | HMO | $568.14 | $692.83 | $5,800 | $9,800 |
| Molina Silver Saver with Four Free PCP Visits Molina Healthcare | Silver | HMO | $569.67 | $694.69 | $7,000 | $10,150 |
| Molina Silver Smart Heart Health Molina Healthcare | Silver | HMO | $569.96 | $695.05 | $6,000 | $8,990 |
| Molina Silver Core Molina Healthcare | Silver | HMO | $571.09 | $696.42 | $6,000 | $8,990 |
| Molina Silver Core Plus with Adult Vision Molina Healthcare | Silver | HMO | $575.43 | $701.72 | $6,000 | $8,990 |
| Molina Silver Standard Molina Healthcare | Silver | HMO | $579.74 | $706.97 | $6,000 | $8,900 |
| Silver Standard w/ Virtual & Wellness MedMutual | Silver | HMO | $581.97 | $709.69 | $6,000 | $8,900 |
| Silver $5,000 w/ Virtual & Wellness ON-EX MedMutual | Silver | HMO | $582.42 | $710.24 | $5,000 | $8,500 |
| Anthem Silver Pathway 5500 for HSA Anthem Blue Cross and Blue Shield | Silver | HMO | $585.51 | $714.01 | $5,500 | $5,500 |
| Molina Silver Core Plus with Adult Dental and Vision Molina Healthcare | Silver | HMO | $590.29 | $719.84 | $6,000 | $8,990 |
| Silver $5,000 w/ Adult Dental ON-EX MedMutual | Silver | HMO | $594.01 | $724.37 | $5,000 | $8,500 |
| Low Premium Silver 6200 $3 Generic Drugs CareSource | Silver | HMO | $635.26 | $774.68 | $6,200 | $9,800 |
| Low Premium Silver 6200 $3 Generic Drugs + Adult Vision & Fitness CareSource | Silver | HMO | $639.63 | $780.01 | $6,200 | $9,800 |
| Healthy Heart Silver 5000 $0 Chronic Care Drugs & Services CareSource | Silver | HMO | $653.03 | $796.35 | $5,000 | $9,500 |
| Diabetes Silver 5000 $0 Chronic Care Drugs & Services CareSource | Silver | HMO | $655.38 | $799.22 | $5,000 | $9,500 |
| Healthy Heart Silver 5000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness CareSource | Silver | HMO | $657.38 | $801.65 | $5,000 | $9,500 |
| Silver 6000 $20 Generic Drugs CareSource | Silver | HMO | $657.83 | $802.20 | $6,000 | $8,900 |
| Diabetes Silver 5000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness CareSource | Silver | HMO | $659.73 | $804.52 | $5,000 | $9,500 |
| Silver 6000 $20 Generic Drugs + Adult Vision & Fitness CareSource | Silver | HMO | $662.03 | $807.33 | $6,000 | $8,900 |
| UHC Silver Standard (No Referrals) UnitedHealthcare | Silver | HMO | $664.26 | $810.04 | $6,000 | $8,900 |
| UHC Silver Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx, No Referrals) UnitedHealthcare | Silver | HMO | $667.57 | $814.08 | $3,250 | $10,600 |
| UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare | Silver | HMO | $672.56 | $820.16 | $0 | $9,800 |
| UHC Silver Standard+ (Dental + Vision, No Referrals) UnitedHealthcare | Silver | HMO | $679.08 | $828.11 | $6,000 | $8,900 |
| UHC Silver Advantage+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision, No Referrals) UnitedHealthcare | Silver | HMO | $682.39 | $832.15 | $3,250 | $10,600 |
| UHC Silver Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare | Silver | HMO | $687.38 | $838.23 | $0 | $9,800 |
| HDHP Preventive Silver 5500 $0 Chronic Care Drugs CareSource | Silver | HMO | $756.43 | $922.44 | $5,500 | $5,500 |
| Gold Classic Standard Oscar Health Insurance | Gold | HMO | $440.92 | $537.68 | $2,000 | $8,200 |
| Gold Classic Oscar Health Insurance | Gold | HMO | $450.54 | $549.41 | $2,250 | $7,500 |
| Gold Elite Saver Plus Oscar Health Insurance | Gold | HMO | $481.07 | $586.65 | $0 | $8,900 |
| Clear Gold Ambetter from Buckeye Health Plan | Gold | HMO | $519.65 | $633.70 | $1,200 | $9,150 |
| Standard Gold Ambetter from Buckeye Health Plan | Gold | HMO | $533.22 | $650.24 | $2,000 | $8,200 |
| Clear Gold + Vision + Adult Dental Ambetter from Buckeye Health Plan | Gold | HMO | $535.67 | $653.23 | $1,200 | $9,150 |
| Standard Gold + Vision + Adult Dental Ambetter from Buckeye Health Plan | Gold | HMO | $549.65 | $670.28 | $2,000 | $8,200 |
| Complete Gold Ambetter from Buckeye Health Plan | Gold | HMO | $557.96 | $680.42 | $1,450 | $7,500 |
| Gold Complete 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx Antidote Health Plan of Ohio, Inc. | Gold | HMO | $559.24 | $681.97 | $3,500 | $9,000 |
| Gold Complete+Dental 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx Antidote Health Plan of Ohio, Inc. | Gold | HMO | $569.65 | $694.67 | $3,500 | $9,000 |
| Complete Gold + Vision + Adult Dental Ambetter from Buckeye Health Plan | Gold | HMO | $575.16 | $701.38 | $1,450 | $7,500 |
| Gold Elite 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care/Referred Labs, $0 Advanced Rx Antidote Health Plan of Ohio, Inc. | Gold | HMO | $615.31 | $750.35 | $3,000 | $9,000 |
| Gold Elite+Dental 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care/Referred Labs, $0 Advanced Rx Antidote Health Plan of Ohio, Inc. | Gold | HMO | $625.72 | $763.05 | $3,000 | $9,000 |
| Gold Standard w/ Virtual & Wellness MedMutual | Gold | HMO | $649.75 | $792.35 | $2,000 | $8,200 |
| Gold Standard Antidote Health Plan of Ohio, Inc. | Gold | HMO | $653.77 | $797.25 | $2,000 | $8,200 |
| Gold $500 w/ Virtual & Wellness ON-EX MedMutual | Gold | HMO | $658.67 | $803.23 | $500 | $7,500 |
| Molina Gold Core 1640 Molina Healthcare | Gold | HMO | $659.12 | $803.77 | $1,640 | $8,100 |
| Gold $1,000 w/ Virtual & Wellness ON-EX MedMutual | Gold | HMO | $659.57 | $804.32 | $1,000 | $8,000 |
| Molina Gold Smart Heart Health Molina Healthcare | Gold | HMO | $661.22 | $806.34 | $1,640 | $8,100 |
| Molina Gold Enhanced 895 Molina Healthcare | Gold | HMO | $661.34 | $806.48 | $895 | $8,700 |
| Molina Gold Core 1640 Plus with Adult Vision Molina Healthcare | Gold | HMO | $663.40 | $809.00 | $1,640 | $8,100 |
| Molina Gold Enhanced 895 Plus with Adult Vision Molina Healthcare | Gold | HMO | $665.62 | $811.71 | $895 | $8,700 |
| Gold $1,000 w/ Adult Dental ON-EX MedMutual | Gold | HMO | $671.61 | $819.00 | $1,000 | $8,000 |
| Molina Gold Core 1640 Plus with Adult Dental and Vision Molina Healthcare | Gold | HMO | $678.03 | $826.84 | $1,640 | $8,100 |
| Molina Gold Enhanced 895 Plus with Adult Dental and Vision Molina Healthcare | Gold | HMO | $680.26 | $829.55 | $895 | $8,700 |
| Molina Gold Standard Molina Healthcare | Gold | HMO | $688.27 | $839.32 | $2,000 | $8,200 |
| Anthem Gold Pathway 2000 Standard ($0 Virtual PCP + $0 Select Drugs) Anthem Blue Cross and Blue Shield | Gold | HMO | $732.59 | $893.37 | $2,000 | $8,200 |
| UHC Gold Standard (No Referrals) UnitedHealthcare | Gold | HMO | $789.30 | $962.53 | $2,000 | $8,200 |
| UHC Gold Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) UnitedHealthcare | Gold | HMO | $799.25 | $974.66 | $700 | $7,000 |
| UHC Gold Standard+ (Dental + Vision, No Referrals) UnitedHealthcare | Gold | HMO | $804.12 | $980.60 | $2,000 | $8,200 |
| UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals) UnitedHealthcare | Gold | HMO | $807.77 | $985.05 | $0 | $7,700 |
| UHC Gold Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision, No Referrals) UnitedHealthcare | Gold | HMO | $814.07 | $992.73 | $700 | $7,000 |
| UHC Gold Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx, Dental + Vision, No Referrals) UnitedHealthcare | Gold | HMO | $822.59 | $1,003.12 | $0 | $7,700 |
| Healthy Heart Gold 3000 $0 Chronic Care Drugs & Services CareSource | Gold | HMO | $920.09 | $1,122.01 | $3,000 | $8,500 |
| Healthy Heart Gold 3000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness CareSource | Gold | HMO | $924.44 | $1,127.32 | $3,000 | $8,500 |
| Diabetes Gold 3000 $0 Chronic Care Drugs & Services CareSource | Gold | HMO | $927.26 | $1,130.76 | $3,000 | $8,500 |
| Diabetes Gold 3000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness CareSource | Gold | HMO | $931.61 | $1,136.07 | $3,000 | $8,500 |
| Core Gold 1500 $10 Generic Drugs CareSource | Gold | HMO | $964.65 | $1,176.36 | $1,500 | $8,000 |
| Core Gold 1500 $10 Generic Drugs + Adult Vision & Fitness CareSource | Gold | HMO | $969.00 | $1,181.67 | $1,500 | $8,000 |
| Gold 2000 $15 Generic Drugs CareSource | Gold | HMO | $1,008.08 | $1,229.32 | $2,000 | $8,200 |
| Gold 2000 $15 Generic Drugs + Adult Vision & Fitness CareSource | Gold | HMO | $1,012.43 | $1,234.63 | $2,000 | $8,200 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $373/mo | $324 | $471 | 56 | 6 |
| 2023 | $405/mo | $335 | $594 | 51 | 6 |
| 2024 | $433/mo | $356 | $556 | 46 | 8 |
| 2025 | $463/mo | $385 | $566 | 46 | 9 |
| 2026 | $569/mo | $433 | $756 | 46 | 8 |
What this means for Franklin
Use Franklin's own numbers here, not a national average, before you enroll.
- $569/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
- 130 plans from 8 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 Franklin's Silver premium in the lower band?
Franklin ranks #1516 of 2055 tracked federal-marketplace counties by average Silver premium (highest = #1; CMS PUF sort). Local Silver avg is $569/mo. See /methodology#corpus-placement.
How many ACA plans compete in Franklin?
Franklin carries 130 ACA plans from 8 issuers, putting it in the densest third of county inventories nationwide.
What is the cheapest health insurance plan in Franklin?
The lowest-premium plan in Franklin starts at $326/mo (Bronze tier, age 27). Silver plans start at $433/mo. Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Franklin?
The benchmark (second-lowest Silver) premium in Franklin is $441/mo for a 27-year-old. This amount determines how much premium tax credit subsidy you may be eligible for.
Why did Franklin premiums rise +22.7% year-over-year?
The average age-27 premium in Franklin changed by +22.7% 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 Franklin?
The average annual deductible across all plans in Franklin is $5,058, and the average out-of-pocket maximum is $9,186. Bronze plans generally have higher deductibles but lower premiums, while Gold and Platinum plans have lower deductibles but higher monthly costs.
Which issuers compete in Franklin's crowded market?
There are 8 insurance issuers offering ACA marketplace plans in Franklin, including Molina Healthcare, CareSource, UnitedHealthcare, 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 Franklin, OH's $441/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 Franklin, OH, both outside OH 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 ($441/mo here).
Similar issuer competition
Nearest other-state counties by issuer count (8 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.