ACA marketplace plans in Mercer County, West Virginia (2026)
Mercer County, West Virginia has 37 ACA marketplace plans from 2 insurers in 2026, with monthly premiums for a 40-year-old ranging from $613 to $1,853 and a benchmark (second-lowest-cost silver) plan at $1,094 per month.
Updated July 21, 2026 · Reviewed by Jason Burns, Editorial Steward
Plan table
| Issuer | Plan | Metal | Age 21 | Age 40 | Age 60 | Deductible | MOOP |
|---|---|---|---|---|---|---|---|
| Highmark Blue Cross Blue Shield West Virginia | my Blue Access WV PPO Bronze 9200 | Bronze | $617.95 | $789.74 | $1,677.12 | $9,200 | $9,200 |
| Highmark Blue Cross Blue Shield West Virginia | my Blue Access WV Major Events PPO Catastrophic 10600 - 3 Free PCP Visits | Catastrophic | $479.39 | $612.66 | $1,301.06 | $10,600 | $10,600 |
| CareSource | Low Premium Bronze 10600 $25 Generic Drugs | Expanded Bronze | $632.95 | $808.91 | $1,717.82 | $10,600 | $10,600 |
| CareSource | Low Premium Bronze 10600 $25 Generic Drugs + Adult Vision & Fitness | Expanded Bronze | $636.12 | $812.96 | $1,726.43 | $10,600 | $10,600 |
| Highmark Blue Cross Blue Shield West Virginia | my Blue Access WV PPO Standard Bronze 7500 | Expanded Bronze | $647.01 | $826.88 | $1,755.99 | $7,500 | $10,000 |
| Highmark Blue Cross Blue Shield West Virginia | my Blue Access WV PPO Bronze 3800 | Expanded Bronze | $655.29 | $837.46 | $1,778.46 | $3,800 | $9,900 |
| Highmark Blue Cross Blue Shield West Virginia | my Blue Access WV PPO Bronze 3800 + Adult Dental and Vision | Expanded Bronze | $670.65 | $857.09 | $1,820.14 | $3,800 | $9,900 |
| CareSource | Bronze 7500 $25 Generic Drugs | Expanded Bronze | $674.99 | $862.64 | $1,831.93 | $7,500 | $10,000 |
| CareSource | Bronze 7500 $25 Generic Drugs + Adult Vision & Fitness | Expanded Bronze | $678.16 | $866.69 | $1,840.52 | $7,500 | $10,000 |
| CareSource | Healthy Heart Gold 3000 $0 Chronic Care Drugs & Services | Gold | $766.52 | $979.61 | $2,080.33 | $3,000 | $8,500 |
| CareSource | Healthy Heart Gold 3000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness | Gold | $769.68 | $983.65 | $2,088.91 | $3,000 | $8,500 |
| Highmark Blue Cross Blue Shield West Virginia | my Blue Access WV PPO Standard Gold 2000 | Gold | $770.06 | $984.14 | $2,089.94 | $2,000 | $8,200 |
| CareSource | Diabetes Gold 3000 $0 Chronic Care Drugs & Services | Gold | $775.15 | $990.64 | $2,103.76 | $3,000 | $8,500 |
| CareSource | Diabetes Gold 3000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness | Gold | $778.33 | $994.70 | $2,112.38 | $3,000 | $8,500 |
| Highmark Blue Cross Blue Shield West Virginia | my Blue Access WV PPO Standard Gold 2000 + Adult Dental and Vision | Gold | $785.41 | $1,003.75 | $2,131.60 | $2,000 | $8,200 |
| CareSource | Gold 2000 $15 Generic Drugs | Gold | $797.73 | $1,019.50 | $2,165.05 | $2,000 | $8,200 |
| CareSource | Gold 2000 $15 Generic Drugs + Adult Vision & Fitness | Gold | $800.90 | $1,023.55 | $2,173.64 | $2,000 | $8,200 |
| Highmark Blue Cross Blue Shield West Virginia | my Blue Access WV PPO Gold 1700 HSA | Gold | $802.08 | $1,025.06 | $2,176.85 | $1,700 | $7,100 |
| Highmark Blue Cross Blue Shield West Virginia | my Blue Access WV PPO Gold 0 | Gold | $832.22 | $1,063.58 | $2,258.65 | $0 | $7,500 |
| Highmark Blue Cross Blue Shield West Virginia | my Blue Access WV PPO Gold 0 + Adult Dental and Vision | Gold | $847.58 | $1,083.21 | $2,300.33 | $0 | $7,500 |
| Highmark Blue Cross Blue Shield West Virginia | my Blue Access WV PPO Premier Gold 0 | Gold | $853.02 | $1,090.16 | $2,315.10 | $0 | $7,000 |
| Highmark Blue Cross Blue Shield West Virginia | my Blue Access WV PPO Premier Gold 0 + Adult Dental and Vision | Gold | $868.37 | $1,109.78 | $2,356.76 | $0 | $7,000 |
| CareSource | Platinum Zero $5 Generic Drugs | Platinum | $1,446.71 | $1,848.89 | $3,926.36 | $0 | $5,200 |
| CareSource | Platinum Zero $5 Generic Drugs + Adult Vision & Fitness | Platinum | $1,449.88 | $1,852.95 | $3,934.98 | $0 | $5,200 |
| Highmark Blue Cross Blue Shield West Virginia | my Blue Access WV PPO Standard Silver 6000 | Silver | $826.00 | $1,055.63 | $2,241.76 | $6,000 | $8,900 |
| CareSource | Low Premium Silver 6200 $3 Generic Drugs | Silver | $855.99 | $1,093.95 | $2,323.15 | $6,200 | $9,800 |
| CareSource | Healthy Heart Silver 5000 $0 Chronic Care Drugs & Services | Silver | $858.98 | $1,097.78 | $2,331.27 | $5,000 | $9,500 |
| CareSource | Low Premium Silver 6200 $3 Generic Drugs + Adult Vision & Fitness | Silver | $859.16 | $1,098.01 | $2,331.76 | $6,200 | $9,800 |
| CareSource | Healthy Heart Silver 5000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness | Silver | $862.15 | $1,101.83 | $2,339.88 | $5,000 | $9,500 |
| CareSource | Silver 6000 $20 Generic Drugs | Silver | $862.34 | $1,102.07 | $2,340.40 | $6,000 | $8,900 |
| CareSource | Silver 6000 $20 Generic Drugs + Adult Vision & Fitness | Silver | $865.52 | $1,106.13 | $2,349.01 | $6,000 | $8,900 |
| CareSource | Diabetes Silver 5000 $0 Chronic Care Drugs & Services | Silver | $880.78 | $1,125.64 | $2,390.45 | $5,000 | $9,500 |
| CareSource | Diabetes Silver 5000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness | Silver | $883.95 | $1,129.68 | $2,399.03 | $5,000 | $9,500 |
| CareSource | Low Deductible Silver 5000 $3 Generic Drugs | Silver | $885.66 | $1,131.87 | $2,403.67 | $5,000 | $9,250 |
| CareSource | Low Deductible Silver 5000 $3 Generic Drugs + Adult Vision & Fitness | Silver | $888.83 | $1,135.92 | $2,412.28 | $5,000 | $9,250 |
| Highmark Blue Cross Blue Shield West Virginia | my Blue Access WV PPO Premier Silver 0 | Silver | $895.99 | $1,145.08 | $2,431.72 | $0 | $9,700 |
| Highmark Blue Cross Blue Shield West Virginia | my Blue Access WV PPO Premier Silver 0 + Adult Dental and Vision | Silver | $911.35 | $1,164.71 | $2,473.40 | $0 | $9,700 |
Cost-sharing reductions (CSR)
Silver plans in this county carry the standard cost-sharing shown above. If your household income is between 100% and 250% of the federal poverty level, HealthCare.gov automatically applies CSR variants of silver plans that lower deductibles, copays, and the annual out-of-pocket maximum — the plan name stays the same but the numbers on your Summary of Benefits change.
Subsidy context for 2026
The enhanced premium tax credits from the American Rescue Plan Act and the Inflation Reduction Act expired December 31, 2025, so for plan year 2026 the pre-2021 ACA subsidy structure returns — households above 400% of the federal poverty level receive no premium tax credit at all, and lower-income households pay a larger share of the benchmark plan's premium (see the Congressional Research Service report R48290 and KFF's 2026 premium tracker). These figures describe the rules; nothing on this page is a recommendation.
Sources
- PY2026 QHP Landscape, Individual Market Medical — CMS Public Use File, released May 2026. All plan, premium, deductible, and out-of-pocket figures on this page come from this file.
- HealthCare.gov — official federal marketplace where these plans are sold.