Health insurance prices in Morgan County, KY (2026)
42 marketplace plans from 2 insurers. Cheapest plan $435/mo; typical Silver $558/mo. Official marketplace: kynect (enter your ZIP for your real price and tax credit).
Plan year 2026 prices; 2027 prices will be added as soon as CMS publishes them. Monthly premium for one 40-year-old, before any tax credit (subsidy). Rating Area 7.
Tick 2 to 4 options anywhere on this page (an insurer's cheapest plan, any plan in the full list, or a health sharing program) and press Compare. You can mix insurance and health sharing, and share the link.
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Individual & family health insurance (marketplace / ACA plans)
Real insurance plans you buy yourself (not through a job), sold by companies like UnitedHealthcare, Blue Cross Blue Shield, Ambetter (Centene), Oscar, Cigna, Molina and Anthem through HealthCare.gov or your state's marketplace.
Looking for Aetna? Aetna CVS Health left the ACA marketplace for 2026 (it sold plans in 17 states in 2025). Source: KFF
All plans here: Bronze $435–$623 (typical $512) · Silver $523–$726 (typical $558) · Gold $582–$907 (typical $606) · Catastrophic $446–$527 (typical $487)
Insurers, sorted by typical Silver price
Every marketplace insurer must sell Silver and Gold plans; Bronze is optional, so Silver is the fair comparison. Typical = median monthly premium, age 40.
| Comparecheapest plan | Insurer | Plans | Cheapest plan | Typical Bronze | Typical Silver | Typical Gold | Cheapest plan name |
|---|---|---|---|---|---|---|---|
| Ambetter (Centene) | 16 | $435 | $457 | $535 | $597 | Everyday Bronze | |
| Anthem Blue Cross Blue Shield (KY)Elevance Health (Blue Cross Blue Shield company) | 26 | $470 | $541 | $692 | $838 | Anthem Bronze Pathway X Transition 10600 ($0 Virtual PCP + $0 Select Drugs + Incentives) |
All 42 plans in Morgan County, cheapest first
| Compare | Insurer | Plan | Metal | Network | Monthly | Deductible | Out-of-pocket max | Bad year |
|---|---|---|---|---|---|---|---|---|
| Ambetter (Centene) | Everyday Bronze | Expanded Bronze | HMO | $435 | $8,450 | $10,150 | $15,374 | |
| Ambetter (Centene) | Everyday Bronze + Vision + Adult Dental | Expanded Bronze | HMO | $443 | $8,450 | $10,150 | $15,472 | |
| Anthem Blue Cross Blue Shield (KY) | Anthem Catastrophic Pathway Transition X (+ Incentives) | Catastrophic | HMO | $446 | $10,600 | $10,600 | $15,954 | |
| Anthem Blue Cross Blue Shield (KY) | Anthem Bronze Pathway X Transition 10600 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Bronze | HMO | $470 | $10,600 | $10,600 | $16,235 | |
| Ambetter (Centene) | Choice Bronze HSA | Expanded Bronze | HMO | $470 | $7,250 | $7,250 | $12,886 | |
| Ambetter (Centene) | Choice Bronze HSA + Vision + Adult Dental | Expanded Bronze | HMO | $478 | $7,250 | $7,250 | $12,991 | |
| Anthem Blue Cross Blue Shield (KY) | Anthem Bronze Pathway X Transition 7700 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Expanded Bronze | HMO | $505 | $7,700 | $10,600 | $16,660 | |
| Anthem Blue Cross Blue Shield (KY) | Anthem Bronze Pathway X Transition 7300 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Expanded Bronze | HMO | $505 | $7,300 | $10,600 | $16,661 | |
| Anthem Blue Cross Blue Shield (KY) | Anthem Bronze Pathway X Transition 8500 for HSA ( + Incentives) | Expanded Bronze | HMO | $506 | $8,500 | $8,500 | $14,575 | |
| Anthem Blue Cross Blue Shield (KY) | Anthem Bronze Pathway X Transition 7000 Adult Dental/Vision ($0 Virtual PCP + $0 Select Rx) | Expanded Bronze | HMO | $510 | $7,000 | $10,600 | $16,724 | |
| Anthem Blue Cross Blue Shield (KY) | Anthem Bronze Pathway X Transition 6000 for HSA ( + Incentives) | Expanded Bronze | HMO | $513 | $6,000 | $8,500 | $14,654 | |
| Ambetter (Centene) | Clear Silver | Silver | HMO | $523 | $7,000 | $7,000 | $13,275 | |
| Anthem Blue Cross Blue Shield (KY) | Anthem Catastrophic Pathway X (+ Incentives) | Catastrophic | HMO | $527 | $10,600 | $10,600 | $16,926 | |
| Anthem Blue Cross Blue Shield (KY) | Anthem Bronze Pathway X Transition 7000 for HSA ( + Incentives) | Expanded Bronze | HMO | $527 | $7,000 | $8,500 | $14,829 | |
| Ambetter (Centene) | Focused Silver | Silver | HMO | $532 | $6,300 | $8,400 | $14,789 | |
| Ambetter (Centene) | Clear Silver + Vision + Adult Dental | Silver | HMO | $533 | $7,000 | $7,000 | $13,393 | |
| Ambetter (Centene) | Complete Silver | Silver | HMO | $534 | $5,950 | $8,850 | $15,253 | |
| Ambetter (Centene) | Enhanced Asthma/COPD Care Silver with $0 Drug Options | Silver | HMO | $537 | $5,900 | $8,350 | $14,796 | |
| Ambetter (Centene) | Focused Silver + Vision + Adult Dental | Silver | HMO | $542 | $6,300 | $8,400 | $14,909 | |
| Ambetter (Centene) | Complete Silver + Vision + Adult Dental | Silver | HMO | $544 | $5,950 | $8,850 | $15,373 | |
| Ambetter (Centene) | Enhanced Asthma/COPD Care Silver with $0 Drug Options + Vision + Adult Dental | Silver | HMO | $547 | $5,900 | $8,350 | $14,917 | |
| Anthem Blue Cross Blue Shield (KY) | Anthem Bronze Pathway X 10600 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Bronze | HMO | $555 | $10,600 | $10,600 | $17,258 | |
| Anthem Blue Cross Blue Shield (KY) | Anthem Silver Pathway X Transition 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | HMO | $569 | $6,000 | $9,900 | $16,733 | |
| Ambetter (Centene) | Everyday Gold | Gold | HMO | $582 | $800 | $7,250 | $14,235 | |
| Ambetter (Centene) | Everyday Gold + Vision + Adult Dental | Gold | HMO | $593 | $800 | $7,250 | $14,366 | |
| Anthem Blue Cross Blue Shield (KY) | Anthem Bronze Pathway X 6700 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Expanded Bronze | HMO | $594 | $6,700 | $10,600 | $17,727 | |
| Anthem Blue Cross Blue Shield (KY) | Anthem Bronze Pathway X 7700 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Expanded Bronze | HMO | $597 | $7,700 | $10,600 | $17,761 | |
| Anthem Blue Cross Blue Shield (KY) | Anthem Bronze Pathway X 8500 for HSA ( + Incentives) | Expanded Bronze | HMO | $598 | $8,500 | $8,500 | $15,678 | |
| Ambetter (Centene) | Complete Gold | Gold | HMO | $601 | $1,450 | $7,700 | $14,907 | |
| Anthem Blue Cross Blue Shield (KY) | Anthem Silver Pathway X Transition 4000 Adult Dental/Vision ($0 Virtual PCP + $0 Select Rx) | Silver | HMO | $602 | $4,000 | $9,900 | $17,130 | |
| Anthem Blue Cross Blue Shield (KY) | Anthem Bronze Pathway X 7000 Adult Dental/Vision ($0 Virtual PCP + $0 Select Rx) | Expanded Bronze | HMO | $603 | $7,000 | $10,600 | $17,836 | |
| Anthem Blue Cross Blue Shield (KY) | Anthem Silver Pathway X Transition 4200 for HSA ( + Incentives) | Silver | HMO | $604 | $4,200 | $7,000 | $14,250 | |
| Anthem Blue Cross Blue Shield (KY) | Anthem Bronze Pathway X 6000 for HSA ( + Incentives) | Expanded Bronze | HMO | $606 | $6,000 | $8,500 | $15,771 | |
| Ambetter (Centene) | Complete Gold + Vision + Adult Dental | Gold | HMO | $612 | $1,450 | $7,700 | $15,042 | |
| Anthem Blue Cross Blue Shield (KY) | Anthem Bronze Pathway X 7000 for HSA ( + Incentives) | Expanded Bronze | HMO | $623 | $7,000 | $8,500 | $15,978 | |
| Anthem Blue Cross Blue Shield (KY) | Anthem Silver Pathway X 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | HMO | $673 | $6,000 | $9,900 | $17,974 | |
| Anthem Blue Cross Blue Shield (KY) | Anthem Silver Pathway X 3500 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | HMO | $711 | $3,500 | $9,800 | $18,327 | |
| Anthem Blue Cross Blue Shield (KY) | Anthem Silver Pathway X 4000 Adult Dental/Vision ($0 Virtual PCP + $0 Select Rx) | Silver | HMO | $712 | $4,000 | $9,900 | $18,443 | |
| Anthem Blue Cross Blue Shield (KY) | Anthem Silver Pathway X 500 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | HMO | $720 | $500 | $9,800 | $18,440 | |
| Anthem Blue Cross Blue Shield (KY) | Anthem Silver Pathway X 3500 for HSA ( + Incentives) | Silver | HMO | $726 | $3,500 | $8,500 | $17,213 | |
| Anthem Blue Cross Blue Shield (KY) | Anthem Gold Pathway X Transition 2300 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Gold | HMO | $768 | $2,300 | $7,250 | $16,464 | |
| Anthem Blue Cross Blue Shield (KY) | Anthem Gold Pathway X 2300 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Gold | HMO | $907 | $2,300 | $7,250 | $18,137 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $435 | $512 | $623 | 18 | $7,275 | $10,150 | $15,875 |
| Silver | $523 | $558 | $726 | 16 | $5,925 | $8,675 | $15,313 |
| Gold | $582 | $606 | $907 | 6 | $1,450 | $7,250 | $14,975 |
| CatastrophicUnder 30 or hardship exemption only | $446 | $487 | $527 | 2 | $10,600 | $10,600 | $16,440 |
* Typical = median: half of plans cost less, half cost more. ** Bad year = 12 months of premium + the plan's in-network out-of-pocket maximum (median across plans). Out-of-network care and non-covered services are extra.