Health insurance prices in Hardin County, OH (2026)
114 marketplace plans from 7 insurers. Cheapest plan $441/mo; typical Silver $614/mo. Official marketplace: HealthCare.gov (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.
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 $441–$559 (typical $493) · Silver $538–$766 (typical $614) · Gold $603–$924 (typical $811)
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 |
|---|---|---|---|---|---|---|---|
| Molina Healthcare | 22 | $470 | $485 | $541 | $628 | Molina Bronze Saver 7000 | |
| CareSource | 21 | $489 | $498 | $600 | $865 | Low Premium Bronze 10600 $25 Generic Drugs | |
| Antidote Health | 15 | $441 | $472 | $610 | $801 | Bronze Complete 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx | |
| Ambetter (Centene) | 16 | $492 | $507 | $619 | $629 | Standard Expanded Bronze | |
| Anthem Blue Cross Blue Shield (OH)Elevance Health (Blue Cross Blue Shield company) | 11 | $461 | $487 | $627 | $820 | Anthem Bronze Pathway 10600 ($0 Virtual PCP + $0 Select Drugs) | |
| UnitedHealthcareUnitedHealth Group | 17 | $491 | $533 | $684 | $815 | UHC Bronze Essential ($0 Virtual Urgent Care, No Referrals) | |
| MedMutual | 12 | $531 | $548 | $751 | $850 | Bronze $8,300 w/ Virtual & Wellness ON-EX |
All 114 plans in Hardin County, cheapest first
| Compare | Insurer | Plan | Metal | Network | Monthly | Deductible | Out-of-pocket max | Bad year |
|---|---|---|---|---|---|---|---|---|
| Antidote Health | Bronze Complete 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx | Expanded Bronze | HMO | $441 | $8,700 | $10,600 | $15,891 | |
| Antidote Health | Bronze Complete+Dental 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx | Expanded Bronze | HMO | $454 | $8,700 | $10,600 | $16,048 | |
| Anthem Blue Cross Blue Shield (OH) | Anthem Bronze Pathway 10600 ($0 Virtual PCP + $0 Select Drugs) | Bronze | HMO | $461 | $10,600 | $10,600 | $16,129 | |
| Anthem Blue Cross Blue Shield (OH) | Anthem Bronze Pathway 10600 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs) | Bronze | HMO | $467 | $10,600 | $10,600 | $16,204 | |
| Molina Healthcare | Molina Bronze Saver 7000 | Expanded Bronze | HMO | $470 | $7,000 | $10,200 | $15,844 | |
| Antidote Health | Bronze Elite 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care/Referred Labs, $0 Advanced Rx | Expanded Bronze | HMO | $472 | $8,000 | $10,600 | $16,264 | |
| Molina Healthcare | Molina Bronze Standard | Expanded Bronze | HMO | $474 | $7,500 | $10,000 | $15,692 | |
| Molina Healthcare | Molina Bronze Saver 7000 Plus with Adult Vision | Expanded Bronze | HMO | $474 | $7,000 | $10,200 | $15,893 | |
| Antidote Health | Bronze Standard | Expanded Bronze | HMO | $479 | $7,500 | $10,000 | $15,754 | |
| Molina Healthcare | Molina Bronze Smart Heart Health | Expanded Bronze | HMO | $483 | $4,000 | $9,950 | $15,750 | |
| Antidote Health | 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 | HMO | $485 | $8,000 | $10,600 | $16,421 | |
| Anthem Blue Cross Blue Shield (OH) | Anthem Heart Healthy Bronze Pathway 6000 ($0 Virtual PCP + $0 Select Drugs) | Expanded Bronze | HMO | $487 | $6,000 | $10,600 | $16,442 | |
| Molina Healthcare | Molina Bronze Enhanced 3500 | Expanded Bronze | HMO | $487 | $3,500 | $9,950 | $15,792 | |
| Molina Healthcare | Molina Bronze Saver 7000 Plus with Adult Dental and Vision | Expanded Bronze | HMO | $488 | $7,000 | $10,200 | $16,059 | |
| CareSource | Low Premium Bronze 10600 $25 Generic Drugs | Expanded Bronze | HMO | $489 | $10,600 | $10,600 | $16,468 | |
| Molina Healthcare | Molina Bronze Enhanced 3500 Plus with Adult Vision | Expanded Bronze | HMO | $491 | $3,500 | $9,950 | $15,841 | |
| UnitedHealthcare | UHC Bronze Essential ($0 Virtual Urgent Care, No Referrals) | Bronze | HMO | $491 | $10,600 | $10,600 | $16,498 | |
| Ambetter (Centene) | Standard Expanded Bronze | Expanded Bronze | HMO | $492 | $7,500 | $10,000 | $15,900 | |
| Ambetter (Centene) | Everyday Bronze | Expanded Bronze | HMO | $493 | $8,450 | $10,150 | $16,061 | |
| CareSource | Low Premium Bronze 10600 $25 Generic Drugs + Adult Vision & Fitness | Expanded Bronze | HMO | $493 | $10,600 | $10,600 | $16,516 | |
| Anthem Blue Cross Blue Shield (OH) | Anthem Bronze Pathway 8500 for HSA | Expanded Bronze | HMO | $497 | $8,500 | $8,500 | $14,461 | |
| Anthem Blue Cross Blue Shield (OH) | Anthem Bronze Pathway 7500 Standard ($0 Virtual PCP + $0 Select Drugs) | Expanded Bronze | HMO | $499 | $7,500 | $10,000 | $15,987 | |
| CareSource | Bronze 7500 $25 Generic Drugs | Expanded Bronze | HMO | $504 | $7,500 | $10,000 | $16,046 | |
| Molina Healthcare | Molina Bronze Enhanced 3500 Plus with Adult Dental and Vision | Expanded Bronze | HMO | $505 | $3,500 | $9,950 | $16,007 | |
| Ambetter (Centene) | Standard Expanded Bronze + Vision + Adult Dental | Expanded Bronze | HMO | $507 | $7,500 | $10,000 | $16,082 | |
| Ambetter (Centene) | Everyday Bronze + Vision + Adult Dental | Expanded Bronze | HMO | $508 | $8,450 | $10,150 | $16,243 | |
| CareSource | Bronze 7500 $25 Generic Drugs + Adult Vision & Fitness | Expanded Bronze | HMO | $508 | $7,500 | $10,000 | $16,094 | |
| UnitedHealthcare | UHC Bronze Standard (No Referrals) | Expanded Bronze | HMO | $518 | $7,500 | $10,000 | $16,216 | |
| MedMutual | Bronze $8,300 w/ Virtual & Wellness ON-EX | Expanded Bronze | HMO | $531 | $8,300 | $10,000 | $16,374 | |
| Ambetter (Centene) | Choice Bronze HSA | Expanded Bronze | HMO | $532 | $7,250 | $7,250 | $13,637 | |
| UnitedHealthcare | UHC Bronze Standard+ (Dental + Vision, No Referrals) | Expanded Bronze | HMO | $533 | $7,500 | $10,000 | $16,396 | |
| UnitedHealthcare | UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) | Expanded Bronze | HMO | $536 | $0 | $10,600 | $17,035 | |
| Molina Healthcare | Molina Silver Saver with Four Free PCP Visits | Silver | HMO | $538 | $7,000 | $10,150 | $16,607 | |
| Molina Healthcare | Molina Silver Smart Heart Health | Silver | HMO | $538 | $6,000 | $8,990 | $15,450 | |
| Molina Healthcare | Molina Silver Core | Silver | HMO | $539 | $6,000 | $8,990 | $15,463 | |
| MedMutual | Bronze $8,300 w/ Adult Dental ON-EX | Expanded Bronze | HMO | $542 | $8,300 | $10,000 | $16,506 | |
| Molina Healthcare | Molina Silver Core Plus with Adult Vision | Silver | HMO | $544 | $6,000 | $8,990 | $15,512 | |
| Molina Healthcare | Molina Silver Standard | Silver | HMO | $548 | $6,000 | $8,900 | $15,471 | |
| Ambetter (Centene) | Choice Bronze HSA + Vision + Adult Dental | Expanded Bronze | HMO | $549 | $7,250 | $7,250 | $13,833 | |
| UnitedHealthcare | UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals) | Expanded Bronze | HMO | $551 | $0 | $10,600 | $17,215 | |
| MedMutual | Bronze Standard w/ Virtual & Wellness | Expanded Bronze | HMO | $555 | $7,500 | $10,000 | $16,657 | |
| Molina Healthcare | Molina Silver Core Plus with Adult Dental and Vision | Silver | HMO | $558 | $6,000 | $8,990 | $15,680 | |
| MedMutual | Bronze HSA $7,300 ON-EX | Expanded Bronze | HMO | $559 | $7,300 | $7,300 | $14,006 | |
| Antidote Health | Silver Complete 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx | Silver | HMO | $563 | $7,500 | $10,600 | $17,356 | |
| Antidote Health | Silver Complete+Dental 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx | Silver | HMO | $576 | $7,500 | $10,600 | $17,513 | |
| CareSource | Low Premium Silver 6200 $3 Generic Drugs | Silver | HMO | $580 | $6,200 | $9,800 | $16,754 | |
| CareSource | Low Premium Silver 6200 $3 Generic Drugs + Adult Vision & Fitness | Silver | HMO | $584 | $6,200 | $9,800 | $16,802 | |
| CareSource | Healthy Heart Silver 5000 $0 Chronic Care Drugs & Services | Silver | HMO | $596 | $5,000 | $9,500 | $16,649 | |
| CareSource | Diabetes Silver 5000 $0 Chronic Care Drugs & Services | Silver | HMO | $598 | $5,000 | $9,500 | $16,675 | |
| CareSource | Healthy Heart Silver 5000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness | Silver | HMO | $600 | $5,000 | $9,500 | $16,697 | |
| CareSource | Silver 6000 $20 Generic Drugs | Silver | HMO | $600 | $6,000 | $8,900 | $16,101 | |
| CareSource | Diabetes Silver 5000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness | Silver | HMO | $602 | $5,000 | $9,500 | $16,722 | |
| Ambetter (Centene) | Clear Gold | Gold | HMO | $603 | $1,200 | $9,150 | $16,384 | |
| CareSource | Silver 6000 $20 Generic Drugs + Adult Vision & Fitness | Silver | HMO | $604 | $6,000 | $8,900 | $16,147 | |
| Anthem Blue Cross Blue Shield (OH) | Anthem Heart Healthy Silver Pathway 5000 ($0 Virtual PCP + $0 Select Drugs) | Silver | HMO | $604 | $5,000 | $8,950 | $16,203 | |
| Ambetter (Centene) | Standard Silver | Silver | HMO | $605 | $6,000 | $8,900 | $16,159 | |
| Antidote Health | Silver Elite 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care/Referred Labs, $0 Advanced Rx | Silver | HMO | $610 | $6,500 | $10,600 | $17,916 | |
| Anthem Blue Cross Blue Shield (OH) | Anthem Silver Pathway 6000 Standard ($0 Virtual PCP + $0 Select Drugs) | Silver | HMO | $614 | $6,000 | $8,900 | $16,270 | |
| Ambetter (Centene) | Complete Silver | Silver | HMO | $615 | $5,950 | $8,850 | $16,230 | |
| Ambetter (Centene) | Standard Gold | Gold | HMO | $619 | $2,000 | $8,200 | $15,622 | |
| Ambetter (Centene) | Clear Gold + Vision + Adult Dental | Gold | HMO | $621 | $1,200 | $9,150 | $16,607 | |
| Molina Healthcare | Molina Gold Core 1640 | Gold | HMO | $623 | $1,640 | $8,100 | $15,571 | |
| Antidote Health | Silver Elite+Dental 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care/Referred Labs, $0 Advanced Rx | Silver | HMO | $623 | $6,500 | $10,600 | $18,073 | |
| Ambetter (Centene) | Standard Silver + Vision + Adult Dental | Silver | HMO | $624 | $6,000 | $8,900 | $16,382 | |
| Molina Healthcare | Molina Gold Smart Heart Health | Gold | HMO | $625 | $1,640 | $8,100 | $15,594 | |
| Molina Healthcare | Molina Gold Enhanced 895 | Gold | HMO | $625 | $895 | $8,700 | $16,196 | |
| Molina Healthcare | Molina Gold Core 1640 Plus with Adult Vision | Gold | HMO | $627 | $1,640 | $8,100 | $15,619 | |
| Anthem Blue Cross Blue Shield (OH) | Anthem Silver Pathway 4000 ($0 Virtual PCP + $0 Select Drugs) | Silver | HMO | $627 | $4,000 | $9,200 | $16,724 | |
| Molina Healthcare | Molina Gold Enhanced 895 Plus with Adult Vision | Gold | HMO | $629 | $895 | $8,700 | $16,244 | |
| Anthem Blue Cross Blue Shield (OH) | Anthem Silver Pathway 4000 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs) | Silver | HMO | $633 | $4,000 | $9,200 | $16,799 | |
| Ambetter (Centene) | Complete Silver + Vision + Adult Dental | Silver | HMO | $634 | $5,950 | $8,850 | $16,458 | |
| Ambetter (Centene) | Standard Gold + Vision + Adult Dental | Gold | HMO | $638 | $2,000 | $8,200 | $15,851 | |
| Molina Healthcare | Molina Gold Core 1640 Plus with Adult Dental and Vision | Gold | HMO | $640 | $1,640 | $8,100 | $15,785 | |
| Molina Healthcare | Molina Gold Enhanced 895 Plus with Adult Dental and Vision | Gold | HMO | $643 | $895 | $8,700 | $16,410 | |
| Antidote Health | Silver Standard | Silver | HMO | $647 | $6,000 | $8,900 | $16,667 | |
| Ambetter (Centene) | Complete Gold | Gold | HMO | $647 | $1,450 | $7,500 | $15,267 | |
| Molina Healthcare | Molina Gold Standard | Gold | HMO | $650 | $2,000 | $8,200 | $16,001 | |
| Anthem Blue Cross Blue Shield (OH) | Anthem Silver Pathway 5500 for HSA | Silver | HMO | $656 | $5,500 | $5,500 | $13,368 | |
| Ambetter (Centene) | Complete Gold + Vision + Adult Dental | Gold | HMO | $667 | $1,450 | $7,500 | $15,506 | |
| UnitedHealthcare | UHC Silver Standard (No Referrals) | Silver | HMO | $672 | $6,000 | $8,900 | $16,965 | |
| UnitedHealthcare | UHC Silver Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx, No Referrals) | Silver | HMO | $675 | $3,250 | $10,600 | $18,705 | |
| UnitedHealthcare | UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) | Silver | HMO | $680 | $0 | $9,800 | $17,965 | |
| UnitedHealthcare | UHC Silver Standard+ (Dental + Vision, No Referrals) | Silver | HMO | $687 | $6,000 | $8,900 | $17,144 | |
| CareSource | HDHP Preventive Silver 5500 $0 Chronic Care Drugs | Silver | HMO | $690 | $5,500 | $5,500 | $13,781 | |
| UnitedHealthcare | UHC Silver Advantage+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision, No Referrals) | Silver | HMO | $690 | $3,250 | $10,600 | $18,885 | |
| UnitedHealthcare | UHC Silver Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals) | Silver | HMO | $695 | $0 | $9,800 | $18,145 | |
| Antidote Health | Gold Complete 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx | Gold | HMO | $728 | $3,500 | $9,000 | $17,731 | |
| MedMutual | Silver $5,800 w/ Virtual & Wellness ON-EX | Silver | HMO | $732 | $5,800 | $9,800 | $18,589 | |
| Antidote Health | Gold Complete+Dental 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx | Gold | HMO | $741 | $3,500 | $9,000 | $17,894 | |
| MedMutual | Silver Standard w/ Virtual & Wellness | Silver | HMO | $750 | $6,000 | $8,900 | $17,903 | |
| MedMutual | Silver $5,000 w/ Virtual & Wellness ON-EX | Silver | HMO | $751 | $5,000 | $8,500 | $17,510 | |
| MedMutual | Silver $5,000 w/ Adult Dental ON-EX | Silver | HMO | $766 | $5,000 | $8,500 | $17,689 | |
| UnitedHealthcare | UHC Gold Standard (No Referrals) | Gold | HMO | $799 | $2,000 | $8,200 | $17,783 | |
| Antidote Health | Gold Elite 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care/Referred Labs, $0 Advanced Rx | Gold | HMO | $801 | $3,000 | $9,000 | $18,607 | |
| UnitedHealthcare | UHC Gold Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) | Gold | HMO | $809 | $700 | $7,000 | $16,704 | |
| UnitedHealthcare | UHC Gold Standard+ (Dental + Vision, No Referrals) | Gold | HMO | $814 | $2,000 | $8,200 | $17,963 | |
| Antidote Health | Gold Elite+Dental 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care/Referred Labs, $0 Advanced Rx | Gold | HMO | $814 | $3,000 | $9,000 | $18,769 | |
| UnitedHealthcare | UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals) | Gold | HMO | $817 | $0 | $7,700 | $17,507 | |
| Anthem Blue Cross Blue Shield (OH) | Anthem Gold Pathway 2000 Standard ($0 Virtual PCP + $0 Select Drugs) | Gold | HMO | $820 | $2,000 | $8,200 | $18,044 | |
| UnitedHealthcare | UHC Gold Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision, No Referrals) | Gold | HMO | $824 | $700 | $7,000 | $16,883 | |
| UnitedHealthcare | UHC Gold Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx, Dental + Vision, No Referrals) | Gold | HMO | $832 | $0 | $7,700 | $17,687 | |
| MedMutual | Gold Standard w/ Virtual & Wellness | Gold | HMO | $838 | $2,000 | $8,200 | $18,251 | |
| CareSource | Healthy Heart Gold 3000 $0 Chronic Care Drugs & Services | Gold | HMO | $839 | $3,000 | $8,500 | $18,572 | |
| CareSource | Healthy Heart Gold 3000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness | Gold | HMO | $843 | $3,000 | $8,500 | $18,620 | |
| CareSource | Diabetes Gold 3000 $0 Chronic Care Drugs & Services | Gold | HMO | $846 | $3,000 | $8,500 | $18,651 | |
| MedMutual | Gold $500 w/ Virtual & Wellness ON-EX | Gold | HMO | $849 | $500 | $7,500 | $17,689 | |
| CareSource | Diabetes Gold 3000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness | Gold | HMO | $850 | $3,000 | $8,500 | $18,699 | |
| MedMutual | Gold $1,000 w/ Virtual & Wellness ON-EX | Gold | HMO | $850 | $1,000 | $8,000 | $18,203 | |
| Antidote Health | Gold Standard | Gold | HMO | $851 | $2,000 | $8,200 | $18,407 | |
| MedMutual | Gold $1,000 w/ Adult Dental ON-EX | Gold | HMO | $866 | $1,000 | $8,000 | $18,389 | |
| CareSource | Core Gold 1500 $10 Generic Drugs | Gold | HMO | $880 | $1,500 | $8,000 | $18,560 | |
| CareSource | Core Gold 1500 $10 Generic Drugs + Adult Vision & Fitness | Gold | HMO | $884 | $1,500 | $8,000 | $18,608 | |
| CareSource | Gold 2000 $15 Generic Drugs | Gold | HMO | $920 | $2,000 | $8,200 | $19,236 | |
| CareSource | Gold 2000 $15 Generic Drugs + Adult Vision & Fitness | Gold | HMO | $924 | $2,000 | $8,200 | $19,283 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $441 | $493 | $559 | 37 | $7,500 | $10,000 | $16,061 |
| Silver | $538 | $614 | $766 | 39 | $6,000 | $8,990 | $16,697 |
| Gold | $603 | $811 | $924 | 38 | $1,640 | $8,200 | $17,710 |
* 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.