ACA plans available
37
Plan year 2026
2026 data Public-data reference. official source
Taylor, West Virginia Health Insurance
Open-data reference.
37 ACA plans from 2 issuers - Plan year 2026
Taylor, West Virginia offers 37 ACA marketplace plans from 2 issuers for plan year 2026. Bronze plans start at $631/mo and Silver plans start at $843/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$890
Avg Silver Premium/mo
$873
Benchmark Premium/mo
+10.4%
Year-over-Year Change
$5,283
Avg Deductible
What the Numbers Say About Taylor
Taylor, West Virginia has 37 ACA marketplace plans offered by 2 issuers for plan year 2026. The average Silver-tier premium comes in at $890/mo for a 27-year-old non-tobacco user, with the lowest Silver at $843 and the highest at $930. Bronze plans start at $631/mo, useful for healthy enrollees who want catastrophic protection with the lowest monthly outlay.
The benchmark (second-lowest Silver) premium is $873/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 $5,283 and the average out-of-pocket maximum is $8,819 - numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Taylor shifted by +10.4%, a signal of how local issuer pricing and risk-pool dynamics are trending.
Issuer count is one of the strongest predictors of affordability: with 2 issuers active in Taylor, consumers have some competitive choice, though narrower than the most competitive counties. HMO is the most common network type in Taylor, with PPO rounding out the alternatives. 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$631/mo avg
$631 - $631
Silver
13 plans$890/mo avg
$843 - $930
Gold
13 plans$820/mo avg
$782 - $886
Platinum
2 plans$1,478/mo avg
$1,476 - $1,479
Catastrophic plan available: avg $489/mo (1 plan) - only for individuals under 30 or with a hardship exemption.
Benchmark Premium & Subsidies
The benchmark premium (2nd-lowest Silver plan) in Taylor is $873/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
$873 /mo
Sets your subsidy ceiling
Avg deductible
$5,283
Across all metal tiers
Taylor ACA plans by premium and deductible
Each marker is the Taylor 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 Taylor, plan year 2026. Each point is the county average for one metal tier (premium age 27 vs average annual deductible).
Issuers in Taylor
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| CareSource | 22 | $877/mo |
| Highmark Blue Cross Blue Shield West Virginia | 15 | $780/mo |
All Plans in Taylor
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| my Blue Access WV Major Events PPO Catastrophic 10600 - 3 Free PCP Visits Highmark Blue Cross Blue Shield West Virginia | Catastrophic | PPO | $489.17 | $596.53 | $10,600 | $10,600 |
| my Blue Access WV PPO Bronze 9200 Highmark Blue Cross Blue Shield West Virginia | Bronze | PPO | $630.56 | $768.95 | $9,200 | $9,200 |
| Low Premium Bronze 10600 $25 Generic Drugs CareSource | Expanded Bronze | HMO | $645.87 | $787.62 | $10,600 | $10,600 |
| Low Premium Bronze 10600 $25 Generic Drugs + Adult Vision & Fitness CareSource | Expanded Bronze | HMO | $649.11 | $791.57 | $10,600 | $10,600 |
| my Blue Access WV PPO Standard Bronze 7500 Highmark Blue Cross Blue Shield West Virginia | Expanded Bronze | PPO | $660.23 | $805.13 | $7,500 | $10,000 |
| my Blue Access WV PPO Bronze 3800 Highmark Blue Cross Blue Shield West Virginia | Expanded Bronze | PPO | $668.68 | $815.43 | $3,800 | $9,900 |
| my Blue Access WV PPO Bronze 3800 + Adult Dental and Vision Highmark Blue Cross Blue Shield West Virginia | Expanded Bronze | PPO | $684.34 | $834.53 | $3,800 | $9,900 |
| Bronze 7500 $25 Generic Drugs CareSource | Expanded Bronze | HMO | $688.78 | $839.94 | $7,500 | $10,000 |
| Bronze 7500 $25 Generic Drugs + Adult Vision & Fitness CareSource | Expanded Bronze | HMO | $692.01 | $843.88 | $7,500 | $10,000 |
| my Blue Access WV PPO Standard Silver 6000 Highmark Blue Cross Blue Shield West Virginia | Silver | PPO | $842.86 | $1,027.84 | $6,000 | $8,900 |
| Low Premium Silver 6200 $3 Generic Drugs CareSource | Silver | HMO | $873.47 | $1,065.16 | $6,200 | $9,800 |
| Healthy Heart Silver 5000 $0 Chronic Care Drugs & Services CareSource | Silver | HMO | $876.52 | $1,068.89 | $5,000 | $9,500 |
| Low Premium Silver 6200 $3 Generic Drugs + Adult Vision & Fitness CareSource | Silver | HMO | $876.71 | $1,069.11 | $6,200 | $9,800 |
| Healthy Heart Silver 5000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness CareSource | Silver | HMO | $879.76 | $1,072.84 | $5,000 | $9,500 |
| Silver 6000 $20 Generic Drugs CareSource | Silver | HMO | $879.95 | $1,073.07 | $6,000 | $8,900 |
| Silver 6000 $20 Generic Drugs + Adult Vision & Fitness CareSource | Silver | HMO | $883.19 | $1,077.02 | $6,000 | $8,900 |
| Diabetes Silver 5000 $0 Chronic Care Drugs & Services CareSource | Silver | HMO | $898.77 | $1,096.02 | $5,000 | $9,500 |
| Diabetes Silver 5000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness CareSource | Silver | HMO | $902.00 | $1,099.96 | $5,000 | $9,500 |
| Low Deductible Silver 5000 $3 Generic Drugs CareSource | Silver | HMO | $903.74 | $1,102.08 | $5,000 | $9,250 |
| Low Deductible Silver 5000 $3 Generic Drugs + Adult Vision & Fitness CareSource | Silver | HMO | $906.98 | $1,106.03 | $5,000 | $9,250 |
| my Blue Access WV PPO Premier Silver 0 Highmark Blue Cross Blue Shield West Virginia | Silver | PPO | $914.29 | $1,114.94 | $0 | $9,700 |
| my Blue Access WV PPO Premier Silver 0 + Adult Dental and Vision Highmark Blue Cross Blue Shield West Virginia | Silver | PPO | $929.95 | $1,134.05 | $0 | $9,700 |
| Healthy Heart Gold 3000 $0 Chronic Care Drugs & Services CareSource | Gold | HMO | $782.17 | $953.83 | $3,000 | $8,500 |
| Healthy Heart Gold 3000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness CareSource | Gold | HMO | $785.40 | $957.77 | $3,000 | $8,500 |
| my Blue Access WV PPO Standard Gold 2000 Highmark Blue Cross Blue Shield West Virginia | Gold | PPO | $785.79 | $958.24 | $2,000 | $8,200 |
| Diabetes Gold 3000 $0 Chronic Care Drugs & Services CareSource | Gold | HMO | $790.98 | $964.58 | $3,000 | $8,500 |
| Diabetes Gold 3000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness CareSource | Gold | HMO | $794.22 | $968.52 | $3,000 | $8,500 |
| my Blue Access WV PPO Standard Gold 2000 + Adult Dental and Vision Highmark Blue Cross Blue Shield West Virginia | Gold | PPO | $801.46 | $977.35 | $2,000 | $8,200 |
| Gold 2000 $15 Generic Drugs CareSource | Gold | HMO | $814.02 | $992.67 | $2,000 | $8,200 |
| Gold 2000 $15 Generic Drugs + Adult Vision & Fitness CareSource | Gold | HMO | $817.25 | $996.61 | $2,000 | $8,200 |
| my Blue Access WV PPO Gold 1700 HSA Highmark Blue Cross Blue Shield West Virginia | Gold | PPO | $818.47 | $998.09 | $1,700 | $7,100 |
| my Blue Access WV PPO Gold 0 Highmark Blue Cross Blue Shield West Virginia | Gold | PPO | $849.22 | $1,035.59 | $0 | $7,500 |
| my Blue Access WV PPO Gold 0 + Adult Dental and Vision Highmark Blue Cross Blue Shield West Virginia | Gold | PPO | $864.88 | $1,054.70 | $0 | $7,500 |
| my Blue Access WV PPO Premier Gold 0 Highmark Blue Cross Blue Shield West Virginia | Gold | PPO | $870.44 | $1,061.47 | $0 | $7,000 |
| my Blue Access WV PPO Premier Gold 0 + Adult Dental and Vision Highmark Blue Cross Blue Shield West Virginia | Gold | PPO | $886.10 | $1,080.57 | $0 | $7,000 |
| Platinum Zero $5 Generic Drugs CareSource | Platinum | HMO | $1,476.25 | $1,800.24 | $0 | $5,200 |
| Platinum Zero $5 Generic Drugs + Adult Vision & Fitness CareSource | Platinum | HMO | $1,479.49 | $1,804.19 | $0 | $5,200 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $700/mo | $646 | $769 | 9 | 2 |
| 2023 | $737/mo | $694 | $790 | 9 | 2 |
| 2024 | $740/mo | $711 | $765 | 13 | 2 |
| 2025 | $777/mo | $740 | $798 | 13 | 2 |
| 2026 | $890/mo | $843 | $930 | 13 | 2 |
Frequently Asked Questions
How many ACA plans are available in Taylor, WV?
There are 37 ACA marketplace plans available in Taylor from 2 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Taylor?
The lowest-premium plan in Taylor starts at $631/mo (Bronze tier, age 27). Silver plans start at $843/mo. Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Taylor?
The benchmark (second-lowest Silver) premium in Taylor is $873/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 Taylor?
Average premiums in Taylor changed by +10.4% 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 Taylor?
The average annual deductible across all plans in Taylor is $5,283, and the average out-of-pocket maximum is $8,819. 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 Taylor?
There are 2 insurance issuers offering ACA marketplace plans in Taylor, including CareSource, Highmark Blue Cross Blue Shield West Virginia. 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 Taylor, WV's $873/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
