ACA plans available
66
Plan year
2026 data Public-data reference. official source
Richland, Ohio Health Insurance
Open-data reference.
66 ACA plans from 4 issuers — Plan year 2026
Richland, Ohio offers 66 ACA marketplace plans from 4 issuers for plan year 2026. Bronze plans start at $414/mo and Silver plans start at $485/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$556
Avg Silver Premium/mo
$486
Benchmark Premium/mo
+21.5%
Year-over-Year Change
$4,905
Avg Deductible
What the Numbers Say About Richland
Richland, Ohio has 66 ACA marketplace plans offered by 4 issuers for plan year 2026. The average Silver-tier premium comes in at $556/mo for a 27-year-old non-tobacco user, with the lowest Silver at $485 and the highest at $742. Bronze plans start at $414/mo — useful for healthy enrollees who want catastrophic protection with the lowest monthly outlay.
The benchmark (second-lowest Silver) premium is $486/mo, the figure the IRS uses to calculate your Advance Premium Tax Credit. Enrollees whose expected income-based contribution falls below this amount receive a subsidy for the difference. Across all plans, the average annual deductible is $4,905 and the average out-of-pocket maximum is $9,024 — numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Richland shifted by +21.5%, a signal of how local issuer pricing and risk-pool dynamics are trending.
Issuer count is one of the strongest predictors of affordability: with 4 issuers active in Richland, consumers have meaningful competition to pressure premiums lower. 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$417/mo avg
$414 — $420
Silver
24 plans$556/mo avg
$485 — $742
Gold
21 plans$694/mo avg
$562 — $838
Benchmark Premium & Subsidies
The benchmark premium (2nd-lowest Silver plan) in Richland is $486/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
4
Competitive market
Benchmark Silver
$486 /mo
Sets your subsidy ceiling
Avg deductible
$4,905
Across all metal tiers
Richland ACA plans by premium and deductible
Each marker is the Richland average for one metal tier (and the local Bronze low / Silver high extremes where data is available). The dashed line marks the federal out-of-pocket-maximum ceiling.
Source: CMS Marketplace PUF for Richland, plan year 2026. Bronze = catastrophic-only zone (high deductible). Gold/Platinum = premium-heavy zone (low deductible).
Issuers in Richland
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Molina Healthcare | 22 | $500/mo |
| CareSource | 21 | $588/mo |
| MedMutual | 12 | $693/mo |
| Anthem Blue Cross and Blue Shield | 11 | $520/mo |
All Plans in Richland
| 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 | $414.08 | $504.95 | $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 | $419.67 | $511.78 | $10,600 | $10,600 |
| Low Premium Bronze 10600 $25 Generic Drugs CareSource | Expanded Bronze | HMO | $418.64 | $510.51 | $10,600 | $10,600 |
| Low Premium Bronze 10600 $25 Generic Drugs + Adult Vision & Fitness CareSource | Expanded Bronze | HMO | $422.04 | $514.66 | $10,600 | $10,600 |
| Molina Bronze Saver 7000 Molina Healthcare | Expanded Bronze | HMO | $424.32 | $517.45 | $7,000 | $10,200 |
| Molina Bronze Standard Molina Healthcare | Expanded Bronze | HMO | $427.92 | $521.83 | $7,500 | $10,000 |
| Molina Bronze Saver 7000 Plus with Adult Vision Molina Healthcare | Expanded Bronze | HMO | $427.97 | $521.90 | $7,000 | $10,200 |
| Bronze 7500 $25 Generic Drugs CareSource | Expanded Bronze | HMO | $431.31 | $525.97 | $7,500 | $10,000 |
| Bronze 7500 $25 Generic Drugs + Adult Vision & Fitness CareSource | Expanded Bronze | HMO | $434.78 | $530.20 | $7,500 | $10,000 |
| Molina Bronze Smart Heart Health Molina Healthcare | Expanded Bronze | HMO | $436.03 | $531.72 | $4,000 | $9,950 |
| Anthem Heart Healthy Bronze Pathway 6000 ($0 Virtual PCP + $0 Select Drugs) Anthem Blue Cross and Blue Shield | Expanded Bronze | HMO | $437.49 | $533.50 | $6,000 | $10,600 |
| Molina Bronze Enhanced 3500 Molina Healthcare | Expanded Bronze | HMO | $439.22 | $535.62 | $3,500 | $9,950 |
| Molina Bronze Saver 7000 Plus with Adult Dental and Vision Molina Healthcare | Expanded Bronze | HMO | $440.44 | $537.10 | $7,000 | $10,200 |
| Molina Bronze Enhanced 3500 Plus with Adult Vision Molina Healthcare | Expanded Bronze | HMO | $442.87 | $540.07 | $3,500 | $9,950 |
| Anthem Bronze Pathway 8500 for HSA Anthem Blue Cross and Blue Shield | Expanded Bronze | HMO | $446.41 | $544.38 | $8,500 | $8,500 |
| Anthem Bronze Pathway 7500 Standard ($0 Virtual PCP + $0 Select Drugs) Anthem Blue Cross and Blue Shield | Expanded Bronze | HMO | $448.34 | $546.74 | $7,500 | $10,000 |
| Molina Bronze Enhanced 3500 Plus with Adult Dental and Vision Molina Healthcare | Expanded Bronze | HMO | $455.34 | $555.27 | $3,500 | $9,950 |
| Bronze $8,300 w/ Virtual & Wellness ON-EX MedMutual | Expanded Bronze | HMO | $514.41 | $627.30 | $8,300 | $10,000 |
| Bronze $8,300 w/ Adult Dental ON-EX MedMutual | Expanded Bronze | HMO | $524.99 | $640.20 | $8,300 | $10,000 |
| Bronze Standard w/ Virtual & Wellness MedMutual | Expanded Bronze | HMO | $537.23 | $655.14 | $7,500 | $10,000 |
| Bronze HSA $7,300 ON-EX MedMutual | Expanded Bronze | HMO | $541.13 | $659.89 | $7,300 | $7,300 |
| Molina Silver Saver with Four Free PCP Visits Molina Healthcare | Silver | HMO | $485.42 | $591.95 | $7,000 | $10,150 |
| Molina Silver Smart Heart Health Molina Healthcare | Silver | HMO | $485.66 | $592.25 | $6,000 | $8,990 |
| Molina Silver Core Molina Healthcare | Silver | HMO | $486.62 | $593.42 | $6,000 | $8,990 |
| Molina Silver Core Plus with Adult Vision Molina Healthcare | Silver | HMO | $490.33 | $597.94 | $6,000 | $8,990 |
| Molina Silver Standard Molina Healthcare | Silver | HMO | $494.00 | $602.41 | $6,000 | $8,900 |
| Low Premium Silver 6200 $3 Generic Drugs CareSource | Silver | HMO | $496.15 | $605.03 | $6,200 | $9,800 |
| Low Premium Silver 6200 $3 Generic Drugs + Adult Vision & Fitness CareSource | Silver | HMO | $499.56 | $609.19 | $6,200 | $9,800 |
| Molina Silver Core Plus with Adult Dental and Vision Molina Healthcare | Silver | HMO | $502.98 | $613.37 | $6,000 | $8,990 |
| Healthy Heart Silver 5000 $0 Chronic Care Drugs & Services CareSource | Silver | HMO | $510.02 | $621.95 | $5,000 | $9,500 |
| Diabetes Silver 5000 $0 Chronic Care Drugs & Services CareSource | Silver | HMO | $511.86 | $624.20 | $5,000 | $9,500 |
| Healthy Heart Silver 5000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness CareSource | Silver | HMO | $513.42 | $626.10 | $5,000 | $9,500 |
| Silver 6000 $20 Generic Drugs CareSource | Silver | HMO | $513.77 | $626.53 | $6,000 | $8,900 |
| Diabetes Silver 5000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness CareSource | Silver | HMO | $515.26 | $628.34 | $5,000 | $9,500 |
| Silver 6000 $20 Generic Drugs + Adult Vision & Fitness CareSource | Silver | HMO | $517.06 | $630.53 | $6,000 | $8,900 |
| Anthem Heart Healthy Silver Pathway 5000 ($0 Virtual PCP + $0 Select Drugs) Anthem Blue Cross and Blue Shield | Silver | HMO | $543.13 | $662.32 | $5,000 | $8,950 |
| Anthem Silver Pathway 6000 Standard ($0 Virtual PCP + $0 Select Drugs) Anthem Blue Cross and Blue Shield | Silver | HMO | $551.91 | $673.03 | $6,000 | $8,900 |
| Anthem Silver Pathway 4000 ($0 Virtual PCP + $0 Select Drugs) Anthem Blue Cross and Blue Shield | Silver | HMO | $563.45 | $687.10 | $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 | $569.04 | $693.93 | $4,000 | $9,200 |
| Anthem Silver Pathway 5500 for HSA Anthem Blue Cross and Blue Shield | Silver | HMO | $589.22 | $718.53 | $5,500 | $5,500 |
| HDHP Preventive Silver 5500 $0 Chronic Care Drugs CareSource | Silver | HMO | $590.78 | $720.44 | $5,500 | $5,500 |
| Silver $5,800 w/ Virtual & Wellness ON-EX MedMutual | Silver | HMO | $709.26 | $864.92 | $5,800 | $9,800 |
| Silver Standard w/ Virtual & Wellness MedMutual | Silver | HMO | $726.52 | $885.97 | $6,000 | $8,900 |
| Silver $5,000 w/ Virtual & Wellness ON-EX MedMutual | Silver | HMO | $727.08 | $886.64 | $5,000 | $8,500 |
| Silver $5,000 w/ Adult Dental ON-EX MedMutual | Silver | HMO | $741.55 | $904.30 | $5,000 | $8,500 |
| Molina Gold Core 1640 Molina Healthcare | Gold | HMO | $561.63 | $684.89 | $1,640 | $8,100 |
| Molina Gold Smart Heart Health Molina Healthcare | Gold | HMO | $563.43 | $687.08 | $1,640 | $8,100 |
| Molina Gold Enhanced 895 Molina Healthcare | Gold | HMO | $563.53 | $687.20 | $895 | $8,700 |
| Molina Gold Core 1640 Plus with Adult Vision Molina Healthcare | Gold | HMO | $565.28 | $689.34 | $1,640 | $8,100 |
| Molina Gold Enhanced 895 Plus with Adult Vision Molina Healthcare | Gold | HMO | $567.18 | $691.65 | $895 | $8,700 |
| Molina Gold Core 1640 Plus with Adult Dental and Vision Molina Healthcare | Gold | HMO | $577.75 | $704.55 | $1,640 | $8,100 |
| Molina Gold Enhanced 895 Plus with Adult Dental and Vision Molina Healthcare | Gold | HMO | $579.65 | $706.86 | $895 | $8,700 |
| Molina Gold Standard Molina Healthcare | Gold | HMO | $586.47 | $715.19 | $2,000 | $8,200 |
| Healthy Heart Gold 3000 $0 Chronic Care Drugs & Services CareSource | Gold | HMO | $718.60 | $876.31 | $3,000 | $8,500 |
| Healthy Heart Gold 3000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness CareSource | Gold | HMO | $722.00 | $880.45 | $3,000 | $8,500 |
| Diabetes Gold 3000 $0 Chronic Care Drugs & Services CareSource | Gold | HMO | $724.20 | $883.14 | $3,000 | $8,500 |
| Diabetes Gold 3000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness CareSource | Gold | HMO | $727.60 | $887.28 | $3,000 | $8,500 |
| Anthem Gold Pathway 2000 Standard ($0 Virtual PCP + $0 Select Drugs) Anthem Blue Cross and Blue Shield | Gold | HMO | $737.23 | $899.02 | $2,000 | $8,200 |
| Core Gold 1500 $10 Generic Drugs CareSource | Gold | HMO | $753.40 | $918.75 | $1,500 | $8,000 |
| Core Gold 1500 $10 Generic Drugs + Adult Vision & Fitness CareSource | Gold | HMO | $756.80 | $922.89 | $1,500 | $8,000 |
| Gold 2000 $15 Generic Drugs CareSource | Gold | HMO | $787.32 | $960.11 | $2,000 | $8,200 |
| Gold 2000 $15 Generic Drugs + Adult Vision & Fitness CareSource | Gold | HMO | $790.72 | $964.26 | $2,000 | $8,200 |
| Gold Standard w/ Virtual & Wellness MedMutual | Gold | HMO | $811.14 | $989.16 | $2,000 | $8,200 |
| Gold $500 w/ Virtual & Wellness ON-EX MedMutual | Gold | HMO | $822.28 | $1,002.74 | $500 | $7,500 |
| Gold $1,000 w/ Virtual & Wellness ON-EX MedMutual | Gold | HMO | $823.39 | $1,004.09 | $1,000 | $8,000 |
| Gold $1,000 w/ Adult Dental ON-EX MedMutual | Gold | HMO | $838.42 | $1,022.42 | $1,000 | $8,000 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $434/mo | $363 | $498 | 24 | 4 |
| 2023 | $470/mo | $422 | $538 | 21 | 4 |
| 2024 | $487/mo | $423 | $592 | 23 | 4 |
| 2025 | $486/mo | $416 | $628 | 26 | 5 |
| 2026 | $556/mo | $485 | $742 | 24 | 4 |
Health Insurance Guides
Choosing a Metal Level
Bronze vs Silver vs Gold vs Platinum — which tier fits your needs and budget
Understanding ACA Subsidies
How premium tax credits work and how to estimate your subsidy amount
Related Health & Cost Data
Find Doctors
PlainDoctor — Healthcare providers in Ohio
Hospital Quality Ratings
PlainHospital — CMS star ratings and safety scores
Medicare Plans
PlainMedicare — Medicare Advantage and Part D data
Community Health Data
PlainHealth — CDC community health indicators
Health Access Metrics
PlainHealthAccess — Uninsured rates and provider shortages
Cost of Living
PlainCost — BEA regional price parities
Homeowners Insurance
PlainInsure — Treasury FIO premiums
Frequently Asked Questions
How many ACA plans are available in Richland, OH?
There are 66 ACA marketplace plans available in Richland from 4 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Richland?
The lowest-premium plan in Richland starts at $414/mo (Bronze tier, age 27). Silver plans start at $485/mo. Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Richland?
The benchmark (second-lowest Silver) premium in Richland is $486/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 Richland?
Average premiums in Richland changed by +21.5% 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 Richland?
The average annual deductible across all plans in Richland is $4,905, and the average out-of-pocket maximum is $9,024. 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 Richland?
There are 4 insurance issuers offering ACA marketplace plans in Richland, including Molina Healthcare, CareSource, MedMutual, 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.
All federal data sources used on this page
- U.S. Census Bureau ACS — demographic + housing + income data. census.gov/programs-surveys/acs
- BLS Occupational Employment and Wage Statistics (OEWS) — wage + employment by occupation. bls.gov/oes
- BEA Regional Economic Accounts — GDP + personal income by state/metro. bea.gov/data/regional
- U.S. Census Bureau County Business Patterns — establishment + employment by industry. census.gov/cbp
- IRS Statistics of Income (SOI) — tax-return aggregate data. irs.gov/statistics
- data.gov — U.S. federal open-data portal — discovery layer for additional federal sources. data.gov
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainHealthPlan Editorial
