Health insurance prices in Lincoln County, WV (2026)
37 marketplace plans from 2 insurers. Cheapest plan $790/mo; typical Silver $1,106/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 3.
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.
Compare options
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 $790–$867 (typical $832) · Silver $1,056–$1,165 (typical $1,106) · Gold $980–$1,110 (typical $1,020) · Platinum $1,849–$1,853 (typical $1,851) · Catastrophic $613–$613 (typical $613)
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 |
|---|---|---|---|---|---|---|---|
| CareSource | 22 | $809 | $838 | $1,104 | $993 | Low Premium Bronze 10600 $25 Generic Drugs | |
| Highmark Blue Cross Blue Shield (WV)Highmark Health (Blue Cross Blue Shield company) | 15 | $790 | $832 | $1,145 | $1,064 | my Blue Access WV PPO Bronze 9200 |
All 37 plans in Lincoln County, cheapest first
| Compare | Insurer | Plan | Metal | Network | Monthly | Deductible | Out-of-pocket max | Bad year |
|---|---|---|---|---|---|---|---|---|
| Highmark Blue Cross Blue Shield (WV) | my Blue Access WV Major Events PPO Catastrophic 10600 - 3 Free PCP Visits | Catastrophic | PPO | $613 | $10,600 | $10,600 | $17,952 | |
| Highmark Blue Cross Blue Shield (WV) | my Blue Access WV PPO Bronze 9200 | Bronze | PPO | $790 | $9,200 | $9,200 | $18,677 | |
| CareSource | Low Premium Bronze 10600 $25 Generic Drugs | Expanded Bronze | HMO | $809 | $10,600 | $10,600 | $20,307 | |
| CareSource | Low Premium Bronze 10600 $25 Generic Drugs + Adult Vision & Fitness | Expanded Bronze | HMO | $813 | $10,600 | $10,600 | $20,356 | |
| Highmark Blue Cross Blue Shield (WV) | my Blue Access WV PPO Standard Bronze 7500 | Expanded Bronze | PPO | $827 | $7,500 | $10,000 | $19,923 | |
| Highmark Blue Cross Blue Shield (WV) | my Blue Access WV PPO Bronze 3800 | Expanded Bronze | PPO | $837 | $3,800 | $9,900 | $19,950 | |
| Highmark Blue Cross Blue Shield (WV) | my Blue Access WV PPO Bronze 3800 + Adult Dental and Vision | Expanded Bronze | PPO | $857 | $3,800 | $9,900 | $20,185 | |
| CareSource | Bronze 7500 $25 Generic Drugs | Expanded Bronze | HMO | $863 | $7,500 | $10,000 | $20,352 | |
| CareSource | Bronze 7500 $25 Generic Drugs + Adult Vision & Fitness | Expanded Bronze | HMO | $867 | $7,500 | $10,000 | $20,400 | |
| CareSource | Healthy Heart Gold 3000 $0 Chronic Care Drugs & Services | Gold | HMO | $980 | $3,000 | $8,500 | $20,255 | |
| CareSource | Healthy Heart Gold 3000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness | Gold | HMO | $984 | $3,000 | $8,500 | $20,304 | |
| Highmark Blue Cross Blue Shield (WV) | my Blue Access WV PPO Standard Gold 2000 | Gold | PPO | $984 | $2,000 | $8,200 | $20,010 | |
| CareSource | Diabetes Gold 3000 $0 Chronic Care Drugs & Services | Gold | HMO | $991 | $3,000 | $8,500 | $20,388 | |
| CareSource | Diabetes Gold 3000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness | Gold | HMO | $995 | $3,000 | $8,500 | $20,436 | |
| Highmark Blue Cross Blue Shield (WV) | my Blue Access WV PPO Standard Gold 2000 + Adult Dental and Vision | Gold | PPO | $1,004 | $2,000 | $8,200 | $20,245 | |
| CareSource | Gold 2000 $15 Generic Drugs | Gold | HMO | $1,020 | $2,000 | $8,200 | $20,434 | |
| CareSource | Gold 2000 $15 Generic Drugs + Adult Vision & Fitness | Gold | HMO | $1,024 | $2,000 | $8,200 | $20,483 | |
| Highmark Blue Cross Blue Shield (WV) | my Blue Access WV PPO Gold 1700 HSA | Gold | PPO | $1,025 | $1,700 | $7,100 | $19,401 | |
| Highmark Blue Cross Blue Shield (WV) | my Blue Access WV PPO Standard Silver 6000 | Silver | PPO | $1,056 | $6,000 | $8,900 | $21,568 | |
| Highmark Blue Cross Blue Shield (WV) | my Blue Access WV PPO Gold 0 | Gold | PPO | $1,064 | $0 | $7,500 | $20,263 | |
| Highmark Blue Cross Blue Shield (WV) | my Blue Access WV PPO Gold 0 + Adult Dental and Vision | Gold | PPO | $1,083 | $0 | $7,500 | $20,499 | |
| Highmark Blue Cross Blue Shield (WV) | my Blue Access WV PPO Premier Gold 0 | Gold | PPO | $1,090 | $0 | $7,000 | $20,082 | |
| CareSource | Low Premium Silver 6200 $3 Generic Drugs | Silver | HMO | $1,094 | $6,200 | $9,800 | $22,927 | |
| CareSource | Healthy Heart Silver 5000 $0 Chronic Care Drugs & Services | Silver | HMO | $1,098 | $5,000 | $9,500 | $22,673 | |
| CareSource | Low Premium Silver 6200 $3 Generic Drugs + Adult Vision & Fitness | Silver | HMO | $1,098 | $6,200 | $9,800 | $22,976 | |
| CareSource | Healthy Heart Silver 5000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness | Silver | HMO | $1,102 | $5,000 | $9,500 | $22,722 | |
| CareSource | Silver 6000 $20 Generic Drugs | Silver | HMO | $1,102 | $6,000 | $8,900 | $22,125 | |
| CareSource | Silver 6000 $20 Generic Drugs + Adult Vision & Fitness | Silver | HMO | $1,106 | $6,000 | $8,900 | $22,174 | |
| Highmark Blue Cross Blue Shield (WV) | my Blue Access WV PPO Premier Gold 0 + Adult Dental and Vision | Gold | PPO | $1,110 | $0 | $7,000 | $20,317 | |
| CareSource | Diabetes Silver 5000 $0 Chronic Care Drugs & Services | Silver | HMO | $1,126 | $5,000 | $9,500 | $23,008 | |
| CareSource | Diabetes Silver 5000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness | Silver | HMO | $1,130 | $5,000 | $9,500 | $23,056 | |
| CareSource | Low Deductible Silver 5000 $3 Generic Drugs | Silver | HMO | $1,132 | $5,000 | $9,250 | $22,832 | |
| CareSource | Low Deductible Silver 5000 $3 Generic Drugs + Adult Vision & Fitness | Silver | HMO | $1,136 | $5,000 | $9,250 | $22,881 | |
| Highmark Blue Cross Blue Shield (WV) | my Blue Access WV PPO Premier Silver 0 | Silver | PPO | $1,145 | $0 | $9,700 | $23,441 | |
| Highmark Blue Cross Blue Shield (WV) | my Blue Access WV PPO Premier Silver 0 + Adult Dental and Vision | Silver | PPO | $1,165 | $0 | $9,700 | $23,677 | |
| CareSource | Platinum Zero $5 Generic Drugs | Platinum | HMO | $1,849 | $0 | $5,200 | $27,387 | |
| CareSource | Platinum Zero $5 Generic Drugs + Adult Vision & Fitness | Platinum | HMO | $1,853 | $0 | $5,200 | $27,435 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $790 | $832 | $867 | 8 | $7,500 | $10,000 | $20,246 |
| Silver | $1,056 | $1,106 | $1,165 | 13 | $5,000 | $9,500 | $22,881 |
| Gold | $980 | $1,020 | $1,110 | 13 | $2,000 | $8,200 | $20,304 |
| Platinum | $1,849 | $1,851 | $1,853 | 2 | $0 | $5,200 | $27,411 |
| CatastrophicUnder 30 or hardship exemption only | $613 | $613 | $613 | 1 | $10,600 | $10,600 | $17,952 |
* 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.