What health insurance costs without a subsidy in Wayne County, Ohio (2026)
In Wayne County, Ohio, the benchmark silver plan costs $552.17/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $422.59 to $938.73. A 60-year-old pays at least $897.42/month, a 21-year-old at least $330.67. 7 insurers offer 113 plans, according to the CMS PY2026 QHP Landscape. 2027 plans for Wayne County are now available — to compare plans and sign up for coverage, call a licensed agent at 1-855-333-3555.
Last verified 2026-07-18 · Published by Private Health Insurance Direct Answers · Licensed under Citation License 1.0
Cost by age (2026, before subsidy)
- Age 21 — starting at $330.67/mo
- Age 40 — starting at $422.59/mo
- Age 60 — starting at $897.42/mo
Cost by metal level (age 40, 2026)
- Bronze — starting at $449.22/mo
- Silver — starting at $539.63/mo
- Gold — starting at $640.42/mo
Deductibles & out-of-pocket (2026)
- Deductibles range from $0 to $10,600
- Highest out-of-pocket maximum on file: $10,600
Who sells plans here
Ambetter from Buckeye Health Plan, Anthem Blue Cross and Blue Shield, Antidote Health Plan of Ohio, Inc., CareSource, MedMutual, Molina Healthcare, Oscar Insurance Corporation of Ohio
The subsidy cliff
In 2026 the enhanced ARP/IRA premium tax credits expire, so households above roughly 400% of the federal poverty level get zero subsidy and pay the full sticker prices listed above. Households under the cliff usually pay far less than sticker — how much less depends on income, household size, and county benchmark.
Call 1-855-333-3555 — private U65 quoteSee your subsidized price at acadirectanswers.com (opens in new tab)
Not affiliated with the U.S. government. Informational only — see the full disclaimer in the footer.
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical (opens in new tab) — county-level premiums, deductibles, out-of-pocket maximums, and issuer/plan counts for Wayne County (FIPS 39169).
- HealthCare.gov (opens in new tab) — the authoritative marketplace for enrollment and exact quoted pricing.
- Methodology — how we source, interpret, and label these figures.
Related counties in Ohio
- Knox County — $668.80/mo benchmark
- Marion County — $665.39/mo benchmark
- Athens County — $621.36/mo benchmark
- Meigs County — $617.49/mo benchmark
- Washington County — $617.49/mo benchmark
Plans available in this county (113)
- Anthem Bronze Pathway 10600 ($0 Virtual PCP + $0 Select Drugs) — Bronze · $449.22/mo @ 40
- Anthem Bronze Pathway 10600 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs) — Bronze · $455.29/mo @ 40
- Bronze Complete 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx — Expanded Bronze · $422.59/mo @ 40
- Bronze Complete+Dental 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx — Expanded Bronze · $435.12/mo @ 40
- Bronze Elite 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care/Referred Labs, $0 Advanced Rx — Expanded Bronze · $452.40/mo @ 40
- Bronze Standard — Expanded Bronze · $459.57/mo @ 40
- Bronze $8,300 w/ Virtual & Wellness ON-EX — Expanded Bronze · $463.02/mo @ 40
- Bronze Elite+Dental 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care/Referred Labs, $0 Advanced Rx — Expanded Bronze · $464.94/mo @ 40
- Bronze $8,300 w/ Adult Dental ON-EX — Expanded Bronze · $472.54/mo @ 40
- Anthem Heart Healthy Bronze Pathway 6000 ($0 Virtual PCP + $0 Select Drugs) — Expanded Bronze · $474.61/mo @ 40
- Bronze Standard w/ Virtual & Wellness — Expanded Bronze · $483.56/mo @ 40
- Molina Bronze Saver 7000 — Expanded Bronze · $483.85/mo @ 40
- Anthem Bronze Pathway 8500 for HSA — Expanded Bronze · $484.30/mo @ 40
- Anthem Bronze Pathway 7500 Standard ($0 Virtual PCP + $0 Select Drugs) — Expanded Bronze · $486.39/mo @ 40
- Bronze HSA $7,300 ON-EX — Expanded Bronze · $487.07/mo @ 40
- Molina Bronze Standard — Expanded Bronze · $487.95/mo @ 40
- Molina Bronze Saver 7000 Plus with Adult Vision — Expanded Bronze · $488.01/mo @ 40
- Low Premium Bronze 10600 $25 Generic Drugs — Expanded Bronze · $497.00/mo @ 40
- Molina Bronze Smart Heart Health — Expanded Bronze · $497.20/mo @ 40
- Molina Bronze Enhanced 3500 — Expanded Bronze · $500.84/mo @ 40
- Low Premium Bronze 10600 $25 Generic Drugs + Adult Vision & Fitness — Expanded Bronze · $501.04/mo @ 40
- Molina Bronze Saver 7000 Plus with Adult Dental and Vision — Expanded Bronze · $502.22/mo @ 40
- Molina Bronze Enhanced 3500 Plus with Adult Vision — Expanded Bronze · $505.00/mo @ 40
- Bronze 7500 $25 Generic Drugs — Expanded Bronze · $512.05/mo @ 40
- Bronze 7500 $25 Generic Drugs + Adult Vision & Fitness — Expanded Bronze · $516.16/mo @ 40
- Molina Bronze Enhanced 3500 Plus with Adult Dental and Vision — Expanded Bronze · $519.22/mo @ 40
- Bronze Classic Standard | Cleveland Clinic — Expanded Bronze · $646.02/mo @ 40
- Bronze Classic PCP Saver | Cleveland Clinic — Expanded Bronze · $655.58/mo @ 40
- Bronze Simple Diabetes | Cleveland Clinic — Expanded Bronze · $661.38/mo @ 40
- Standard Expanded Bronze — Expanded Bronze · $663.96/mo @ 40
- Everyday Bronze — Expanded Bronze · $665.20/mo @ 40
- Bronze Simple Breathe Easy with Enhanced COPD Benefits | Cleveland Clinic — Expanded Bronze · $666.46/mo @ 40
- Bronze Simple HSA | Cleveland Clinic — Expanded Bronze · $667.01/mo @ 40
- Bronze Simple Chronic Care CKM | Cleveland Clinic — Expanded Bronze · $671.12/mo @ 40
- Standard Expanded Bronze + Vision + Adult Dental — Expanded Bronze · $684.43/mo @ 40
- Everyday Bronze + Vision + Adult Dental — Expanded Bronze · $685.70/mo @ 40
- Choice Bronze HSA — Expanded Bronze · $718.70/mo @ 40
- Choice Bronze HSA + Vision + Adult Dental — Expanded Bronze · $740.85/mo @ 40
- Molina Gold Core 1640 — Gold · $640.42/mo @ 40
- Molina Gold Smart Heart Health — Gold · $642.46/mo @ 40
Showing first 40 of 113 plans on file. Every remaining plan is listed below.
All other plans in Wayne County
- Molina Gold Enhanced 895 — Gold
- Molina Gold Core 1640 Plus with Adult Vision — Gold
- Molina Gold Enhanced 895 Plus with Adult Vision — Gold
- Molina Gold Core 1640 Plus with Adult Dental and Vision — Gold
- Molina Gold Enhanced 895 Plus with Adult Dental and Vision — Gold
- Molina Gold Standard — Gold
- Gold Complete 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx — Gold
- Gold Complete+Dental 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx — Gold
- Gold Standard w/ Virtual & Wellness — Gold
- Gold $500 w/ Virtual & Wellness ON-EX — Gold
- Gold $1,000 w/ Virtual & Wellness ON-EX — Gold
- Gold $1,000 w/ Adult Dental ON-EX — Gold
- Gold Elite 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care/Referred Labs, $0 Advanced Rx — Gold
- Gold Elite+Dental 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care/Referred Labs, $0 Advanced Rx — Gold
- Anthem Gold Pathway 2000 Standard ($0 Virtual PCP + $0 Select Drugs) — Gold
- Clear Gold — Gold
- Gold Standard — Gold
- Gold Classic Standard | Cleveland Clinic — Gold
- Standard Gold — Gold
- Clear Gold + Vision + Adult Dental — Gold
- Gold Elite | Cleveland Clinic — Gold
- Healthy Heart Gold 3000 $0 Chronic Care Drugs & Services — Gold
- Healthy Heart Gold 3000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness — Gold
- Diabetes Gold 3000 $0 Chronic Care Drugs & Services — Gold
- Standard Gold + Vision + Adult Dental — Gold
- Diabetes Gold 3000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness — Gold
- Gold Elite Saver Plus | Cleveland Clinic — Gold
- Complete Gold — Gold
- Core Gold 1500 $10 Generic Drugs — Gold
- Core Gold 1500 $10 Generic Drugs + Adult Vision & Fitness — Gold
- Complete Gold + Vision + Adult Dental — Gold
- Gold 2000 $15 Generic Drugs — Gold
- Gold 2000 $15 Generic Drugs + Adult Vision & Fitness — Gold
- Silver Complete 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx — Silver
- Silver Complete+Dental 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx — Silver
- Molina Silver Saver with Four Free PCP Visits — Silver
- Molina Silver Smart Heart Health — Silver
- Molina Silver Core — Silver
- Molina Silver Core Plus with Adult Vision — Silver
- Molina Silver Standard — Silver
- Molina Silver Core Plus with Adult Dental and Vision — Silver
- Silver Elite 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care/Referred Labs, $0 Advanced Rx — Silver
- Low Premium Silver 6200 $3 Generic Drugs — Silver
- Anthem Heart Healthy Silver Pathway 5000 ($0 Virtual PCP + $0 Select Drugs) — Silver
- Low Premium Silver 6200 $3 Generic Drugs + Adult Vision & Fitness — Silver
- Silver Elite+Dental 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care/Referred Labs, $0 Advanced Rx — Silver
- Anthem Silver Pathway 6000 Standard ($0 Virtual PCP + $0 Select Drugs) — Silver
- Healthy Heart Silver 5000 $0 Chronic Care Drugs & Services — Silver
- Diabetes Silver 5000 $0 Chronic Care Drugs & Services — Silver
- Healthy Heart Silver 5000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness — Silver
- Silver 6000 $20 Generic Drugs — Silver
- Anthem Silver Pathway 4000 ($0 Virtual PCP + $0 Select Drugs) — Silver
- Diabetes Silver 5000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness — Silver
- Silver 6000 $20 Generic Drugs + Adult Vision & Fitness — Silver
- Anthem Silver Pathway 4000 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs) — Silver
- Silver Standard — Silver
- Silver $5,800 w/ Virtual & Wellness ON-EX — Silver
- Anthem Silver Pathway 5500 for HSA — Silver
- Silver Standard w/ Virtual & Wellness — Silver
- Silver $5,000 w/ Virtual & Wellness ON-EX — Silver
- Silver $5,000 w/ Adult Dental ON-EX — Silver
- HDHP Preventive Silver 5500 $0 Chronic Care Drugs — Silver
- Silver Simple Diabetes | Cleveland Clinic — Silver
- Silver Simple PCP Saver | Cleveland Clinic — Silver
- Silver Simple Breathe Easy with Enhanced COPD Benefits | Cleveland Clinic — Silver
- Silver Classic Standard | Cleveland Clinic — Silver
- Silver Simple Chronic Care CKM | Cleveland Clinic — Silver
- Silver Simple Women's Health with Menopause Benefits | Cleveland Clinic — Silver
- Silver Elite Saver Plus | Cleveland Clinic — Silver
- Standard Silver — Silver
- Complete Silver — Silver
- Standard Silver + Vision + Adult Dental — Silver
- Complete Silver + Vision + Adult Dental — Silver
Reviewed by Jason Burns, Editorial Steward.
Reviewed by Heather Fabrizio, licensed in Ohio (License #1559549) · reviewed Jul 28, 2026