Health insurance prices in Chautauqua County, NY (2026)
69 marketplace plans from 4 insurers. Cheapest plan $434/mo; typical Silver $985/mo. Official marketplace: NY State of Health (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 2.
Community rating: everyone in this state pays the same premium regardless of age.
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 $434–$823 (typical $758) · Silver $582–$1,112 (typical $985) · Gold $753–$1,432 (typical $1,295) · Platinum $918–$1,741 (typical $1,640) · Catastrophic $185–$185 (typical $185)
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) | 15 | $434 | $452 | $604 | $780 | Ambetter from Fidelis Care Bronze HSA, Bronze, ST, INN, Fidelis Care HBX Network, Dep25, Free Telemedicine Program, Pediatric Dental | |
| Excellus BlueCross BlueShield (NY)Lifetime Healthcare (Blue Cross Blue Shield company) | 22 | $677 | $750 | $964 | $1,229 | Bronze Secure Plus 3, Expanded Bronze, NS, INN, Univera EPO Local, Dep25, Adult/Family Dental, Adult Vision, Acupuncture | |
| Independent Health Benefits | 8 | $786 | $789 | $1,038 | $1,329 | Standard, Bronze, ST, INN, IHC Network Marketplace, Dep25 | |
| Highmark Blue Cross Blue Shield (NY)Highmark Health (Blue Cross Blue Shield company) | 24 | $793 | $810 | $1,096 | $1,415 | my Blue Access EX Destination 65 Bronze, Bronze, NS, INN, Blue Marketplace, Dep25, Pediatric Dental |
All 69 plans in Chautauqua County, cheapest first
| Compare | Insurer | Plan | Metal | Network | Monthly | Deductible | Out-of-pocket max | Bad year |
|---|---|---|---|---|---|---|---|---|
| Ambetter (Centene) | Ambetter from Fidelis Care Catastrophic, Catastrophic, ST, INN, Fidelis Care HBX Network, Free Telemedicine Prgroam, Pediatric Dental | Catastrophic | HMO | $185 | $10,600 | $10,600 | $12,816 | |
| Ambetter (Centene) | Ambetter from Fidelis Care Bronze HSA, Bronze, ST, INN, Fidelis Care HBX Network, Dep25, Free Telemedicine Program, Pediatric Dental | Bronze | HMO | $434 | $5,500 | $8,050 | $13,255 | |
| Ambetter (Centene) | Ambetter from Fidelis Care Bronze, Bronze, ST, INN, Fidelis Care HBX Network, Dep25, Free Telemedicine Program, Pediatric Dental | Bronze | HMO | $448 | $4,125 | $10,150 | $15,529 | |
| Ambetter (Centene) | Ambetter from Fidelis Care Bronze HSA, Bronze, ST, INN, Fidelis Care HBX Network, Dep29, Free Telemedicine Program, Pediatric Dental | Bronze | HMO | $455 | $5,500 | $8,050 | $13,514 | |
| Ambetter (Centene) | Ambetter from Fidelis Care Bronze, Bronze, ST, INN, Fidelis Care HBX Network, Dep29, Free Telemedicine Program, Pediatric Dental | Bronze | HMO | $471 | $4,125 | $10,150 | $15,797 | |
| Ambetter (Centene) | Ambetter from Fidelis Care Silver, Silver, ST, INN, Fidelis Care HBX Network, Dep25, Free Telemedicine Program, Pediatric Dental | Silver | HMO | $582 | $2,450 | $10,150 | $17,129 | |
| Ambetter (Centene) | Ambetter from Fidelis Care Silver+, Silver, NS, INN, Fidelis Care HBX Network, Dep 25, Family Vision, Free Telemedicine Program, Family Dental | Silver | HMO | $596 | $2,450 | $10,150 | $17,307 | |
| Ambetter (Centene) | Ambetter from Fidelis Care Silver, Silver, ST, INN, Fidelis Care HBX Network, Dep29, Free Telemedicine Program, Pediatric Dental | Silver | HMO | $611 | $2,450 | $10,150 | $17,477 | |
| Ambetter (Centene) | Ambetter from Fidelis Care Silver+, Silver, NS, INN, Fidelis Care HBX Network, Dep29, Family Vision, Free Telemedicine Program, Family Dental | Silver | HMO | $626 | $2,450 | $10,150 | $17,664 | |
| Excellus BlueCross BlueShield (NY) | Bronze Secure Plus 3, Expanded Bronze, NS, INN, Univera EPO Local, Dep25, Adult/Family Dental, Adult Vision, Acupuncture | Expanded Bronze | EPO | $677 | $10,600 | $10,600 | $18,727 | |
| Excellus BlueCross BlueShield (NY) | Bronze Secure Plus 3, Expanded Bronze, NS, INN, Univera EPO Local, Dep29, Adult/Family Dental, Adult Vision, Acupuncture | Expanded Bronze | EPO | $690 | $10,600 | $10,600 | $18,881 | |
| Excellus BlueCross BlueShield (NY) | Bronze Select, Expanded Bronze, NS, INN, Univera EPO Local, Dep25, Adult/Family Dental, Adult Vision, Preventive Rx, Acupuncture | Expanded Bronze | EPO | $735 | $5,500 | $7,500 | $16,319 | |
| Excellus BlueCross BlueShield (NY) | Bronze Select, Expanded Bronze, NS, INN, Univera EPO Local, Dep29, Adult/Family Dental, Adult Vision, Preventive Rx, Acupuncture | Expanded Bronze | EPO | $749 | $5,500 | $7,500 | $16,486 | |
| Excellus BlueCross BlueShield (NY) | Bronze Standard HSA, Expanded Bronze, ST, INN, Univera EPO Local, Dep25, Pediatric Dental | Expanded Bronze | EPO | $751 | $5,500 | $8,050 | $17,064 | |
| Excellus BlueCross BlueShield (NY) | Bronze Standard, Expanded Bronze, ST, INN, Univera EPO Local, Dep25, Pediatric Dental | Expanded Bronze | EPO | $751 | $4,125 | $10,150 | $19,165 | |
| Ambetter (Centene) | Ambetter from Fidelis Care Gold, Gold, ST, INN, Fidelis Care HBX Network. Dep25, Free Telemedicine Program, Pediatric Dental | Gold | HMO | $753 | $775 | $10,150 | $19,183 | |
| Excellus BlueCross BlueShield (NY) | Bronze Standard HSA, Expanded Bronze, ST, INN, Univera EPO Local, Dep29, Pediatric Dental | Expanded Bronze | EPO | $765 | $5,500 | $8,050 | $17,235 | |
| Excellus BlueCross BlueShield (NY) | Bronze Standard, Expanded Bronze, ST, INN, Univera EPO Local, Dep29, Pediatric Dental | Expanded Bronze | EPO | $765 | $4,125 | $10,150 | $19,336 | |
| Ambetter (Centene) | Ambetter from Fidelis Care Gold Enhanced, Gold, NS, INN, Fidelis Care HBX Network, Dep25, Family Vision, Free Telemedicine Program, Family Dental | Gold | HMO | $769 | $775 | $10,150 | $19,382 | |
| Independent Health Benefits | Standard, Bronze, ST, INN, IHC Network Marketplace, Dep25 | Expanded Bronze | EPO | $786 | $4,125 | $10,150 | $19,577 | |
| Ambetter (Centene) | Ambetter from Fidelis Care Gold, Gold, ST, INN, Fidelis Care HBX Network, Dep29, Free Telemedicine Program, Pediatric Dental | Gold | HMO | $790 | $775 | $10,150 | $19,633 | |
| Independent Health Benefits | Standard, Bronze, ST, INN, IHC Network Marketplace, Dep29 | Expanded Bronze | EPO | $793 | $4,125 | $10,150 | $19,667 | |
| Highmark Blue Cross Blue Shield (NY) | my Blue Access EX Destination 65 Bronze, Bronze, NS, INN, Blue Marketplace, Dep25, Pediatric Dental | Expanded Bronze | EPO | $793 | $3,800 | $10,100 | $19,620 | |
| Highmark Blue Cross Blue Shield (NY) | my Blue Access EX Destination 65 Bronze, Bronze, NS, INN, Blue Marketplace, Dep29, Pediatric Dental | Expanded Bronze | EPO | $795 | $3,800 | $10,100 | $19,639 | |
| Ambetter (Centene) | Ambetter from Fidelis Care Gold Enhanced, Gold, NS, INN, Fidelis Care HBX Network, Dep29, Family Vision, Free Telemedicine Program, Family Dental | Gold | HMO | $808 | $775 | $10,150 | $19,843 | |
| Highmark Blue Cross Blue Shield (NY) | my Blue Access EX Standard Bronze, Bronze, ST, INN, Blue Marketplace, Dep25, Pediatric Dental | Expanded Bronze | EPO | $809 | $4,125 | $10,150 | $19,854 | |
| Highmark Blue Cross Blue Shield (NY) | my Blue Access EX Standard Bronze, Bronze, ST, INN, Blue Marketplace, Dep29, Pediatric Dental | Expanded Bronze | EPO | $810 | $4,125 | $10,150 | $19,874 | |
| Highmark Blue Cross Blue Shield (NY) | my Blue Access EX Destination 65 Bronze + Adult Dental and Vision, Bronze, NS, INN, Blue Marketplace, Dep25, Family Dental, Family Vision, WP | Expanded Bronze | EPO | $822 | $3,800 | $10,100 | $19,958 | |
| Highmark Blue Cross Blue Shield (NY) | my Blue Access EX Destination 65 Bronze + Adult Dental and Vision, Bronze, NS, INN, Blue Marketplace, Dep29, Family Dental, Family Vision, WP | Expanded Bronze | EPO | $823 | $3,800 | $10,100 | $19,978 | |
| Excellus BlueCross BlueShield (NY) | Silver Select 2, Silver, NS, INN, Univera EPO Local, Dep25, Adult/Family Dental, Adult Vision, Preventive Rx, Acupuncture | Silver | EPO | $875 | $4,500 | $7,000 | $17,499 | |
| Excellus BlueCross BlueShield (NY) | Silver Select 2, Silver, NS, INN, Univera EPO Local, Dep29, Adult/Family Dental, Adult Vision, Preventive Rx, Acupuncture | Silver | EPO | $892 | $4,500 | $7,000 | $17,698 | |
| Ambetter (Centene) | Ambetter from Fidelis Care Platinum, Platinum, ST, INN, Fidelis Care HBX Network, Dep25, Free Telemedicine Program, Pediatric Dental | Platinum | HMO | $918 | — | $2,000 | $13,016 | |
| Excellus BlueCross BlueShield (NY) | Silver Select, Silver, NS, INN, Univera EPO Local, Dep25, Adult/Family Dental, Adult Vision, Preventive Rx, Acupuncture | Silver | EPO | $954 | $3,200 | $8,200 | $19,653 | |
| Ambetter (Centene) | Ambetter from Fidelis Care Platinum, Platinum, ST, INN, Fidelis Care HBX Network, Dep29, Free Telemedicine Program, Pediatric Dental | Platinum | HMO | $964 | — | $2,000 | $13,566 | |
| Excellus BlueCross BlueShield (NY) | Silver Select, Silver, NS, INN, Univera EPO Local, Dep29, Adult/Family Dental, Adult Vision, Preventive Rx, Acupuncture | Silver | EPO | $973 | $3,200 | $8,200 | $19,871 | |
| Excellus BlueCross BlueShield (NY) | Silver Standard, Silver, ST, INN, Univera EPO Local, Dep25, Pediatric Dental | Silver | EPO | $976 | $2,450 | $10,150 | $21,857 | |
| Excellus BlueCross BlueShield (NY) | Silver Standard, Silver, ST, INN, Univera EPO Local, Dep29, Pediatric Dental | Silver | EPO | $994 | $2,450 | $10,150 | $22,079 | |
| Independent Health Benefits | Standard, Silver, ST, INN, IHC Network Marketplace, Dep25 | Silver | EPO | $1,033 | $2,450 | $10,150 | $22,549 | |
| Independent Health Benefits | Standard, Silver, ST, INN, IHC Network Marketplace, Dep29 | Silver | EPO | $1,043 | $2,450 | $10,150 | $22,668 | |
| Highmark Blue Cross Blue Shield (NY) | my Blue Access EX Destination 65 Silver, Silver, NS, INN, Blue Marketplace, Dep25, Pediatric Dental | Silver | EPO | $1,074 | $0 | $9,700 | $22,587 | |
| Highmark Blue Cross Blue Shield (NY) | my Blue Access EX Destination 65 Silver, Silver, NS, INN, Blue Marketplace, Dep29, Pediatric Dental | Silver | EPO | $1,076 | $0 | $9,700 | $22,614 | |
| Highmark Blue Cross Blue Shield (NY) | my Blue Access EX Standard Silver, Silver, ST, INN, Blue Marketplace, Dep25, Pediatric Dental | Silver | EPO | $1,095 | $2,450 | $10,150 | $23,288 | |
| Highmark Blue Cross Blue Shield (NY) | my Blue Access EX Standard Silver, Silver, ST, INN, Blue Marketplace, Dep29, Pediatric Dental | Silver | EPO | $1,097 | $2,450 | $10,150 | $23,315 | |
| Highmark Blue Cross Blue Shield (NY) | my Blue Access EX Destination 65 Silver + Adult Dental and Vision, Silver, NS, INN, Blue Marketplace, Dep25, Family Dental, Family Vision, WP | Silver | EPO | $1,110 | $0 | $9,700 | $23,020 | |
| Highmark Blue Cross Blue Shield (NY) | my Blue Access EX Destination 65 Silver + Adult Dental and Vision, Silver, NS, INN, Blue Marketplace, Dep29, Family Dental, Family Vision, WP | Silver | EPO | $1,112 | $0 | $9,700 | $23,048 | |
| Excellus BlueCross BlueShield (NY) | Gold Select, Gold, NS, INN, Univera EPO Local, Dep25, Adult/Family Dental, Adult Vision, Acupuncture | Gold | EPO | $1,191 | $1,350 | $9,000 | $23,296 | |
| Excellus BlueCross BlueShield (NY) | Gold Select, Gold, NS, INN, Univera EPO Local, Dep29, Adult/Family Dental, Adult Vision, Acupuncture | Gold | EPO | $1,214 | $1,350 | $9,000 | $23,568 | |
| Excellus BlueCross BlueShield (NY) | Gold Standard, Gold, ST, INN, Univera EPO Local, Dep25, Pediatric Dental | Gold | EPO | $1,244 | $775 | $10,150 | $25,074 | |
| Excellus BlueCross BlueShield (NY) | Gold Standard, Gold, ST, INN, Univera EPO Local, Dep29, Pediatric Dental | Gold | EPO | $1,267 | $775 | $10,150 | $25,358 | |
| Independent Health Benefits | Standard, Gold, ST, INN, IHC Network Marketplace, Dep25 | Gold | EPO | $1,322 | $775 | $10,150 | $26,017 | |
| Independent Health Benefits | Standard, Gold, ST, INN, IHC Network Marketplace, Dep29 | Gold | EPO | $1,335 | $775 | $10,150 | $26,170 | |
| Highmark Blue Cross Blue Shield (NY) | my Blue Access EX Destination 65 Gold, Gold, NS, INN, Blue Marketplace, Dep25, Pediatric Dental | Gold | EPO | $1,387 | $0 | $7,900 | $24,544 | |
| Highmark Blue Cross Blue Shield (NY) | my Blue Access EX Destination 65 Gold, Gold, NS, INN, Blue Marketplace, Dep29, Pediatric Dental | Gold | EPO | $1,390 | $0 | $7,900 | $24,579 | |
| Highmark Blue Cross Blue Shield (NY) | my Blue Access EX Standard Gold, Gold, ST, INN, Blue Marketplace, Dep25, Pediatric Dental | Gold | EPO | $1,414 | $775 | $10,150 | $27,118 | |
| Highmark Blue Cross Blue Shield (NY) | my Blue Access EX Standard Gold, Gold, ST, INN, Blue Marketplace, Dep29, Pediatric Dental | Gold | EPO | $1,417 | $775 | $10,150 | $27,154 | |
| Highmark Blue Cross Blue Shield (NY) | my Blue Access EX Destination 65 Gold + Adult Dental and Vision, Gold, NS, INN, Blue Marketplace, Dep25, Family Dental, Family Vision, WP | Gold | EPO | $1,429 | $0 | $7,900 | $25,050 | |
| Highmark Blue Cross Blue Shield (NY) | my Blue Access EX Destination 65 Gold + Adult Dental and Vision, Gold, NS, INN, Blue Marketplace, Dep29, Family Dental, Family Vision, WP | Gold | EPO | $1,432 | $0 | $7,900 | $25,085 | |
| Excellus BlueCross BlueShield (NY) | Platinum Select, Platinum, NS, INN, Univera EPO Local, Dep25, Adult/Family Dental, Adult Vision, Acupuncture | Platinum | EPO | $1,460 | — | $6,350 | $23,875 | |
| Excellus BlueCross BlueShield (NY) | Platinum Standard, Platinum, ST, INN, Univera EPO Local, Dep25, Pediatric Dental | Platinum | EPO | $1,474 | — | $2,000 | $19,682 | |
| Excellus BlueCross BlueShield (NY) | Platinum Select, Platinum, NS, INN, Univera EPO Local, Dep29, Adult/Family Dental, Adult Vision, Acupuncture | Platinum | EPO | $1,488 | — | $6,350 | $24,208 | |
| Excellus BlueCross BlueShield (NY) | Platinum Standard, Platinum, ST, INN, Univera EPO Local, Dep29, Pediatric Dental | Platinum | EPO | $1,501 | — | $2,000 | $20,018 | |
| Independent Health Benefits | Standard, Platinum, ST, INN, IHC Network Marketplace, Dep25 | Platinum | EPO | $1,632 | $0 | $2,000 | $21,583 | |
| Independent Health Benefits | Standard, Platinum, ST, INN, IHC Network Marketplace, Dep29 | Platinum | EPO | $1,648 | $0 | $2,000 | $21,771 | |
| Highmark Blue Cross Blue Shield (NY) | my Blue Access EX Destination 65 Platinum, Platinum, NS, INN, Blue Marketplace, Dep25, Pediatric Dental | Platinum | EPO | $1,692 | $0 | $5,000 | $25,303 | |
| Highmark Blue Cross Blue Shield (NY) | my Blue Access EX Destination 65 Platinum, Platinum, NS, INN, Blue Marketplace, Dep29, Pediatric Dental | Platinum | EPO | $1,696 | $0 | $5,000 | $25,346 | |
| Highmark Blue Cross Blue Shield (NY) | my Blue Access EX Standard Platinum, Platinum, ST, INN, Blue Marketplace, Dep25, Pediatric Dental | Platinum | EPO | $1,725 | $0 | $2,000 | $22,698 | |
| Highmark Blue Cross Blue Shield (NY) | my Blue Access EX Standard Platinum, Platinum, ST, INN, Blue Marketplace, Dep29, Pediatric Dental | Platinum | EPO | $1,728 | $0 | $2,000 | $22,742 | |
| Highmark Blue Cross Blue Shield (NY) | my Blue Access EX Destination 65 Platinum + Adult Dental and Vision, Platinum, NS, INN, Blue Marketplace, Dep25, Family Dental, Family Vision, WP | Platinum | EPO | $1,738 | $0 | $5,000 | $25,853 | |
| Highmark Blue Cross Blue Shield (NY) | my Blue Access EX Destination 65 Platinum + Adult Dental and Vision, Platinum, NS, INN, Blue Marketplace, Dep29, Family Dental, Family Vision, WP | Platinum | EPO | $1,741 | $0 | $5,000 | $25,897 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $434 | $758 | $823 | 20 | $4,125 | $10,125 | $19,023 |
| Silver | $582 | $985 | $1,112 | 18 | $2,450 | $10,150 | $21,968 |
| Gold | $753 | $1,295 | $1,432 | 16 | $775 | $10,150 | $24,814 |
| Platinum | $918 | $1,640 | $1,741 | 14 | $0 | $2,000 | $22,720 |
| CatastrophicUnder 30 or hardship exemption only | $185 | $185 | $185 | 1 | $10,600 | $10,600 | $12,816 |
* 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.