{ "name": "Where Gold Costs Less Than Silver: ACA Marketplace, by County (2026)", "description": "For every county in 30 HealthCare.gov states: cheapest Gold, cheapest Silver and benchmark (second-lowest-cost) Silver premium for a 40-year-old, PY2026.", "publisher": "Coverage by County (Health Advisory, NPN #22052447)", "license": "https://creativecommons.org/licenses/by/4.0/", "url": "https://www.coveragebycounty.com/datasets/gold-cheaper-than-silver-2026.html", "date_published": "2026-09-13", "source": "CMS Plan Year 2026 Qualified Health Plan Landscape file", "notes": "Full-price filed rates before premium tax credits, age 40. Benchmark = second-lowest distinct Silver premium in the county. Not a quote or offer of coverage.", "row_count": 2055, "counties": [ { "state": "AK", "fips": "02013", "county": "Aleutians East", "cheapest_gold_age40": 927.52, "cheapest_gold_issuer": "Premera Blue Cross Blue Shield of Alaska", "cheapest_gold_plan_type": "PPO", "cheapest_silver_age40": 1035.5, "benchmark_silver_age40": 1055.75, "benchmark_minus_cheapest_gold": 128.23, "gold_below_benchmark": true, "gold_below_cheapest_silver": true }, { "state": "AK", "fips": "02016", "county": "Aleutians West", "cheapest_gold_age40": 927.52, "cheapest_gold_issuer": "Premera Blue Cross Blue Shield of Alaska", "cheapest_gold_plan_type": "PPO", "cheapest_silver_age40": 1035.5, "benchmark_silver_age40": 1055.75, "benchmark_minus_cheapest_gold": 128.23, "gold_below_benchmark": true, "gold_below_cheapest_silver": true }, { "state": "AK", "fips": "02020", "county": "Anchorage", "cheapest_gold_age40": 903.0, "cheapest_gold_issuer": "Moda Health Plan, Inc.", "cheapest_gold_plan_type": "PPO", "cheapest_silver_age40": 1010.0, "benchmark_silver_age40": 1025.25, "benchmark_minus_cheapest_gold": 122.25, "gold_below_benchmark": true, "gold_below_cheapest_silver": true }, { "state": "AK", "fips": "02050", "county": "Bethel", "cheapest_gold_age40": 918.34, "cheapest_gold_issuer": "Premera Blue Cross Blue Shield of Alaska", "cheapest_gold_plan_type": "PPO", "cheapest_silver_age40": 1025.25, "benchmark_silver_age40": 1045.29, "benchmark_minus_cheapest_gold": 126.95, "gold_below_benchmark": true, "gold_below_cheapest_silver": true }, { "state": "AK", "fips": "02060", "county": "Bristol Bay", "cheapest_gold_age40": 927.52, "cheapest_gold_issuer": "Premera Blue Cross Blue Shield of Alaska", "cheapest_gold_plan_type": "PPO", "cheapest_silver_age40": 1035.5, "benchmark_silver_age40": 1055.75, "benchmark_minus_cheapest_gold": 128.23, "gold_below_benchmark": true, "gold_below_cheapest_silver": true }, { "state": "AK", "fips": "02063", "county": "Chugach", "cheapest_gold_age40": 918.34, "cheapest_gold_issuer": "Premera Blue Cross Blue Shield of Alaska", "cheapest_gold_plan_type": "PPO", "cheapest_silver_age40": 1025.25, "benchmark_silver_age40": 1045.29, "benchmark_minus_cheapest_gold": 126.95, "gold_below_benchmark": true, "gold_below_cheapest_silver": true }, { "state": "AK", "fips": "02066", "county": "Copper River", "cheapest_gold_age40": 918.34, "cheapest_gold_issuer": "Premera Blue Cross Blue Shield of Alaska", "cheapest_gold_plan_type": "PPO", "cheapest_silver_age40": 1025.25, "benchmark_silver_age40": 1045.29, "benchmark_minus_cheapest_gold": 126.95, "gold_below_benchmark": true, "gold_below_cheapest_silver": true }, { "state": "AK", "fips": "02068", "county": "Denali", "cheapest_gold_age40": 927.52, "cheapest_gold_issuer": "Premera Blue Cross Blue Shield of Alaska", "cheapest_gold_plan_type": "PPO", "cheapest_silver_age40": 1035.5, "benchmark_silver_age40": 1055.75, "benchmark_minus_cheapest_gold": 128.23, "gold_below_benchmark": true, "gold_below_cheapest_silver": true }, { "state": "AK", "fips": "02070", "county": "Dillingham", "cheapest_gold_age40": 918.34, "cheapest_gold_issuer": "Premera Blue Cross Blue Shield of Alaska", "cheapest_gold_plan_type": "PPO", "cheapest_silver_age40": 1025.25, "benchmark_silver_age40": 1045.29, "benchmark_minus_cheapest_gold": 126.95, "gold_below_benchmark": true, "gold_below_cheapest_silver": true }, { "state": "AK", "fips": "02090", "county": "Fairbanks North Star", "cheapest_gold_age40": 927.52, "cheapest_gold_issuer": "Premera Blue Cross Blue Shield of Alaska", "cheapest_gold_plan_type": "PPO", "cheapest_silver_age40": 1035.5, "benchmark_silver_age40": 1055.75, "benchmark_minus_cheapest_gold": 128.23, "gold_below_benchmark": true, "gold_below_cheapest_silver": true }, { "state": "AK", "fips": "02100", "county": "Haines", "cheapest_gold_age40": 881.61, "cheapest_gold_issuer": "Premera Blue Cross Blue Shield of Alaska", "cheapest_gold_plan_type": "PPO", "cheapest_silver_age40": 984.24, "benchmark_silver_age40": 1003.48, "benchmark_minus_cheapest_gold": 121.87, "gold_below_benchmark": true, "gold_below_cheapest_silver": true }, { "state": "AK", "fips": "02105", "county": "Hoonah Angoon", "cheapest_gold_age40": 881.61, "cheapest_gold_issuer": "Premera Blue Cross Blue Shield of Alaska", "cheapest_gold_plan_type": "PPO", "cheapest_silver_age40": 984.24, "benchmark_silver_age40": 1003.48, "benchmark_minus_cheapest_gold": 121.87, "gold_below_benchmark": true, "gold_below_cheapest_silver": true }, { "state": "AK", "fips": "02110", "county": "Juneau", "cheapest_gold_age40": 881.61, "cheapest_gold_issuer": "Premera Blue Cross Blue Shield of Alaska", "cheapest_gold_plan_type": "PPO", "cheapest_silver_age40": 984.24, "benchmark_silver_age40": 1003.48, "benchmark_minus_cheapest_gold": 121.87, "gold_below_benchmark": true, "gold_below_cheapest_silver": true }, { "state": "AK", "fips": "02122", "county": "Kenai Peninsula", "cheapest_gold_age40": 927.52, "cheapest_gold_issuer": "Premera Blue Cross Blue Shield of Alaska", "cheapest_gold_plan_type": "PPO", "cheapest_silver_age40": 1035.5, "benchmark_silver_age40": 1055.75, "benchmark_minus_cheapest_gold": 128.23, "gold_below_benchmark": true, "gold_below_cheapest_silver": true }, { "state": "AK", "fips": "02130", "county": "Ketchikan Gateway", "cheapest_gold_age40": 881.61, "cheapest_gold_issuer": "Premera Blue Cross Blue Shield of Alaska", "cheapest_gold_plan_type": "PPO", "cheapest_silver_age40": 984.24, "benchmark_silver_age40": 1003.48, "benchmark_minus_cheapest_gold": 121.87, "gold_below_benchmark": true, "gold_below_cheapest_silver": true }, { "state": "AK", "fips": "02150", "county": "Kodiak Island", "cheapest_gold_age40": 927.52, "cheapest_gold_issuer": "Premera Blue Cross Blue Shield of Alaska", "cheapest_gold_plan_type": "PPO", "cheapest_silver_age40": 1035.5, "benchmark_silver_age40": 1055.75, "benchmark_minus_cheapest_gold": 128.23, "gold_below_benchmark": true, "gold_below_cheapest_silver": true }, { "state": "AK", "fips": "02158", "county": "Kusilvak", "cheapest_gold_age40": 927.52, "cheapest_gold_issuer": "Premera Blue Cross Blue Shield of Alaska", "cheapest_gold_plan_type": "PPO", "cheapest_silver_age40": 1035.5, "benchmark_silver_age40": 1055.75, "benchmark_minus_cheapest_gold": 128.23, "gold_below_benchmark": true, "gold_below_cheapest_silver": true }, { "state": "AK", "fips": "02164", "county": "Lake And Peninsula", "cheapest_gold_age40": 927.52, "cheapest_gold_issuer": "Premera Blue Cross Blue Shield of Alaska", "cheapest_gold_plan_type": "PPO", "cheapest_silver_age40": 1035.5, "benchmark_silver_age40": 1055.75, "benchmark_minus_cheapest_gold": 128.23, "gold_below_benchmark": true, "gold_below_cheapest_silver": true }, { "state": "AK", "fips": "02170", "county": "Matanuska Susitna", "cheapest_gold_age40": 927.52, "cheapest_gold_issuer": "Premera Blue Cross Blue Shield of Alaska", "cheapest_gold_plan_type": "PPO", "cheapest_silver_age40": 1035.5, "benchmark_silver_age40": 1055.75, "benchmark_minus_cheapest_gold": 128.23, "gold_below_benchmark": true, "gold_below_cheapest_silver": true }, { "state": "AK", "fips": "02180", "county": "Nome", "cheapest_gold_age40": 927.52, "cheapest_gold_issuer": "Premera Blue Cross Blue Shield of Alaska", "cheapest_gold_plan_type": "PPO", "cheapest_silver_age40": 1035.5, "benchmark_silver_age40": 1055.75, "benchmark_minus_cheapest_gold": 128.23, "gold_below_benchmark": true, "gold_below_cheapest_silver": true }, { "state": "AK", "fips": "02185", "county": "North Slope", "cheapest_gold_age40": 927.52, "cheapest_gold_issuer": "Premera Blue Cross Blue Shield of Alaska", "cheapest_gold_plan_type": "PPO", "cheapest_silver_age40": 1035.5, "benchmark_silver_age40": 1055.75, "benchmark_minus_cheapest_gold": 128.23, "gold_below_benchmark": true, "gold_below_cheapest_silver": true }, { "state": "AK", "fips": "02188", "county": "Northwest Arctic", "cheapest_gold_age40": 927.52, "cheapest_gold_issuer": "Premera Blue Cross Blue Shield of Alaska", "cheapest_gold_plan_type": "PPO", "cheapest_silver_age40": 1035.5, "benchmark_silver_age40": 1055.75, "benchmark_minus_cheapest_gold": 128.23, "gold_below_benchmark": true, "gold_below_cheapest_silver": true }, { "state": "AK", "fips": "02195", "county": "Petersburg", "cheapest_gold_age40": 881.61, "cheapest_gold_issuer": "Premera Blue Cross Blue Shield of Alaska", "cheapest_gold_plan_type": "PPO", "cheapest_silver_age40": 984.24, "benchmark_silver_age40": 1003.48, "benchmark_minus_cheapest_gold": 121.87, "gold_below_benchmark": true, "gold_below_cheapest_silver": true }, { "state": "AK", "fips": "02198", "county": "Prince Of Wales Hyder", "cheapest_gold_age40": 881.61, "cheapest_gold_issuer": "Premera Blue Cross Blue Shield of Alaska", "cheapest_gold_plan_type": "PPO", "cheapest_silver_age40": 984.24, "benchmark_silver_age40": 1003.48, "benchmark_minus_cheapest_gold": 121.87, "gold_below_benchmark": true, "gold_below_cheapest_silver": true }, { "state": "AK", "fips": "02220", "county": "Sitka", "cheapest_gold_age40": 881.61, "cheapest_gold_issuer": "Premera Blue Cross Blue Shield of Alaska", "cheapest_gold_plan_type": "PPO", "cheapest_silver_age40": 984.24, "benchmark_silver_age40": 1003.48, "benchmark_minus_cheapest_gold": 121.87, "gold_below_benchmark": true, "gold_below_cheapest_silver": true }, { "state": "AK", "fips": "02230", "county": "Skagway", "cheapest_gold_age40": 881.61, "cheapest_gold_issuer": "Premera Blue Cross Blue Shield of Alaska", "cheapest_gold_plan_type": "PPO", "cheapest_silver_age40": 984.24, "benchmark_silver_age40": 1003.48, "benchmark_minus_cheapest_gold": 121.87, "gold_below_benchmark": true, "gold_below_cheapest_silver": true }, { "state": "AK", "fips": "02240", "county": "Southeast Fairbanks", "cheapest_gold_age40": 927.52, "cheapest_gold_issuer": "Premera Blue Cross Blue Shield of Alaska", "cheapest_gold_plan_type": "PPO", "cheapest_silver_age40": 1035.5, "benchmark_silver_age40": 1055.75, "benchmark_minus_cheapest_gold": 128.23, "gold_below_benchmark": true, "gold_below_cheapest_silver": true }, { "state": "AK", "fips": "02275", "county": "Wrangell", "cheapest_gold_age40": 881.61, "cheapest_gold_issuer": "Premera Blue Cross Blue Shield of Alaska", "cheapest_gold_plan_type": "PPO", "cheapest_silver_age40": 984.24, "benchmark_silver_age40": 1003.48, "benchmark_minus_cheapest_gold": 121.87, "gold_below_benchmark": true, "gold_below_cheapest_silver": true }, { "state": "AK", "fips": "02282", "county": "Yakutat", "cheapest_gold_age40": 927.52, "cheapest_gold_issuer": "Premera Blue Cross Blue Shield of Alaska", "cheapest_gold_plan_type": "PPO", "cheapest_silver_age40": 1035.5, "benchmark_silver_age40": 1055.75, "benchmark_minus_cheapest_gold": 128.23, "gold_below_benchmark": true, "gold_below_cheapest_silver": true }, { "state": "AK", "fips": "02290", "county": "Yukon Koyukuk", "cheapest_gold_age40": 927.52, "cheapest_gold_issuer": "Premera Blue Cross Blue Shield of Alaska", "cheapest_gold_plan_type": "PPO", "cheapest_silver_age40": 1035.5, "benchmark_silver_age40": 1055.75, "benchmark_minus_cheapest_gold": 128.23, "gold_below_benchmark": true, "gold_below_cheapest_silver": true }, { "state": "AL", "fips": "01001", "county": "Autauga", "cheapest_gold_age40": 783.32, "cheapest_gold_issuer": "Blue Cross and Blue Shield of Alabama", "cheapest_gold_plan_type": "PPO", "cheapest_silver_age40": 619.54, "benchmark_silver_age40": 635.32, "benchmark_minus_cheapest_gold": -148.0, "gold_below_benchmark": false, "gold_below_cheapest_silver": false }, { "state": "AL", "fips": "01003", "county": "Baldwin", "cheapest_gold_age40": 660.89, "cheapest_gold_issuer": "Ambetter of Alabama", "cheapest_gold_plan_type": "EPO", "cheapest_silver_age40": 633.72, "benchmark_silver_age40": 639.41, "benchmark_minus_cheapest_gold": -21.48, "gold_below_benchmark": false, "gold_below_cheapest_silver": false }, { "state": "AL", "fips": "01005", "county": "Barbour", "cheapest_gold_age40": 660.89, "cheapest_gold_issuer": "Ambetter of Alabama", "cheapest_gold_plan_type": "EPO", "cheapest_silver_age40": 633.72, "benchmark_silver_age40": 639.41, "benchmark_minus_cheapest_gold": -21.48, "gold_below_benchmark": false, "gold_below_cheapest_silver": false }, { "state": "AL", "fips": "01007", "county": "Bibb", "cheapest_gold_age40": 790.31, "cheapest_gold_issuer": "UnitedHealthcare", "cheapest_gold_plan_type": "EPO", "cheapest_silver_age40": 625.08, "benchmark_silver_age40": 652.44, "benchmark_minus_cheapest_gold": -137.87, "gold_below_benchmark": false, "gold_below_cheapest_silver": false }, { "state": "AL", "fips": "01009", "county": "Blount", "cheapest_gold_age40": 790.31, "cheapest_gold_issuer": "UnitedHealthcare", "cheapest_gold_plan_type": "EPO", "cheapest_silver_age40": 625.08, "benchmark_silver_age40": 652.44, "benchmark_minus_cheapest_gold": -137.87, "gold_below_benchmark": false, "gold_below_cheapest_silver": false }, { "state": "AL", "fips": "01011", "county": "Bullock", "cheapest_gold_age40": 660.89, "cheapest_gold_issuer": "Ambetter of Alabama", "cheapest_gold_plan_type": "EPO", "cheapest_silver_age40": 633.72, "benchmark_silver_age40": 639.41, "benchmark_minus_cheapest_gold": -21.48, "gold_below_benchmark": false, "gold_below_cheapest_silver": false }, { "state": "AL", "fips": "01013", "county": "Butler", "cheapest_gold_age40": 808.46, "cheapest_gold_issuer": "Blue Cross and Blue Shield of Alabama", "cheapest_gold_plan_type": "PPO", "cheapest_silver_age40": 639.41, "benchmark_silver_age40": 655.7, "benchmark_minus_cheapest_gold": -152.76, "gold_below_benchmark": false, "gold_below_cheapest_silver": false }, { "state": "AL", "fips": "01015", "county": "Calhoun", "cheapest_gold_age40": 656.52, "cheapest_gold_issuer": "UnitedHealthcare", "cheapest_gold_plan_type": "EPO", "cheapest_silver_age40": 595.37, "benchmark_silver_age40": 598.25, "benchmark_minus_cheapest_gold": -58.27, "gold_below_benchmark": false, "gold_below_cheapest_silver": false }, { "state": "AL", "fips": "01017", "county": "Chambers", "cheapest_gold_age40": 660.89, "cheapest_gold_issuer": "Ambetter of Alabama", "cheapest_gold_plan_type": "EPO", "cheapest_silver_age40": 633.72, "benchmark_silver_age40": 639.41, "benchmark_minus_cheapest_gold": -21.48, "gold_below_benchmark": false, "gold_below_cheapest_silver": false }, { "state": "AL", "fips": "01019", "county": "Cherokee", "cheapest_gold_age40": 791.29, "cheapest_gold_issuer": "UnitedHealthcare", "cheapest_gold_plan_type": "EPO", "cheapest_silver_age40": 639.41, "benchmark_silver_age40": 655.7, "benchmark_minus_cheapest_gold": -135.59, "gold_below_benchmark": false, "gold_below_cheapest_silver": false }, { "state": "AL", "fips": "01021", "county": "Chilton", "cheapest_gold_age40": 790.31, "cheapest_gold_issuer": "UnitedHealthcare", "cheapest_gold_plan_type": "EPO", "cheapest_silver_age40": 625.08, "benchmark_silver_age40": 652.44, "benchmark_minus_cheapest_gold": -137.87, "gold_below_benchmark": false, "gold_below_cheapest_silver": false }, { "state": "AL", "fips": "01023", "county": "Choctaw", "cheapest_gold_age40": 660.89, "cheapest_gold_issuer": "Ambetter of Alabama", "cheapest_gold_plan_type": "EPO", "cheapest_silver_age40": 633.72, "benchmark_silver_age40": 639.41, "benchmark_minus_cheapest_gold": -21.48, "gold_below_benchmark": false, "gold_below_cheapest_silver": false }, { "state": "AL", "fips": "01025", "county": "Clarke", "cheapest_gold_age40": 791.29, "cheapest_gold_issuer": "UnitedHealthcare", "cheapest_gold_plan_type": "EPO", "cheapest_silver_age40": 639.41, "benchmark_silver_age40": 655.7, "benchmark_minus_cheapest_gold": -135.59, "gold_below_benchmark": false, "gold_below_cheapest_silver": false }, { "state": "AL", "fips": "01027", "county": "Clay", "cheapest_gold_age40": 791.29, "cheapest_gold_issuer": "UnitedHealthcare", "cheapest_gold_plan_type": "EPO", "cheapest_silver_age40": 639.41, "benchmark_silver_age40": 655.7, "benchmark_minus_cheapest_gold": -135.59, "gold_below_benchmark": false, "gold_below_cheapest_silver": false }, { "state": "AL", "fips": "01029", "county": "Cleburne", "cheapest_gold_age40": 660.89, "cheapest_gold_issuer": "Ambetter of Alabama", "cheapest_gold_plan_type": "EPO", "cheapest_silver_age40": 633.72, "benchmark_silver_age40": 639.41, "benchmark_minus_cheapest_gold": -21.48, "gold_below_benchmark": false, "gold_below_cheapest_silver": false }, { "state": "AL", "fips": "01031", "county": "Coffee", "cheapest_gold_age40": 660.89, "cheapest_gold_issuer": "Ambetter of Alabama", "cheapest_gold_plan_type": "EPO", "cheapest_silver_age40": 633.72, "benchmark_silver_age40": 639.41, "benchmark_minus_cheapest_gold": -21.48, "gold_below_benchmark": false, "gold_below_cheapest_silver": false }, { "state": "AL", "fips": "01033", "county": "Colbert", "cheapest_gold_age40": 708.19, "cheapest_gold_issuer": "Ambetter of Alabama", "cheapest_gold_plan_type": "EPO", "cheapest_silver_age40": 639.41, "benchmark_silver_age40": 655.7, "benchmark_minus_cheapest_gold": -52.49, "gold_below_benchmark": false, "gold_below_cheapest_silver": false }, { "state": "AL", "fips": "01035", "county": "Conecuh", "cheapest_gold_age40": 791.29, "cheapest_gold_issuer": "UnitedHealthcare", "cheapest_gold_plan_type": "EPO", "cheapest_silver_age40": 639.41, "benchmark_silver_age40": 655.7, "benchmark_minus_cheapest_gold": -135.59, "gold_below_benchmark": false, "gold_below_cheapest_silver": false }, { "state": "AL", "fips": "01037", "county": "Coosa", "cheapest_gold_age40": 791.29, "cheapest_gold_issuer": "UnitedHealthcare", "cheapest_gold_plan_type": "EPO", "cheapest_silver_age40": 639.41, "benchmark_silver_age40": 655.7, "benchmark_minus_cheapest_gold": -135.59, "gold_below_benchmark": false, "gold_below_cheapest_silver": false }, { "state": "AL", "fips": "01039", "county": "Covington", "cheapest_gold_age40": 660.89, "cheapest_gold_issuer": "Ambetter of Alabama", "cheapest_gold_plan_type": 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