Find Affordable Coverage in Ohio
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Ohio ACA Marketplace Overview
In 2026, approximately 350,000 Ohio residents are enrolled in ACA Marketplace coverage. Ohio uses the federal exchange, Healthcare.gov for health insurance enrollment.
Ohio has expanded Medicaid under the ACA, meaning adults earning up to 138% FPL qualify for free or near-free coverage through Medicaid.
How Much Does ACA Coverage Cost in Ohio?
The benchmark Silver plan (second-lowest-cost Silver plan) in Ohio costs approximately $408/month before subsidies in 2026. However, most Ohio residents who qualify for premium tax credits pay significantly less.
- $0/month premium: Possible for Ohio households earning up to 150% of the Federal Poverty Level
- Low premiums: Households earning up to 400% FPL qualify for substantial subsidies
- Above 400% FPL: Still eligible if the benchmark plan exceeds 8.5% of household income
Use our ACA Subsidy Calculator to estimate your specific monthly costs based on your Ohio household income.
Top ACA Health Insurance Companies in Ohio
The following carriers offer ACA Marketplace plans in Ohio for 2026:
- Medical Mutual
- Oscar Health
- Molina
Plan availability varies by county in Ohio. Use Healthcare.gov to see exact plans available in your ZIP code.
ACA Plan Tiers Available in Ohio
- Bronze: Lowest premiums, highest deductibles. Best for healthy Ohio residents who rarely need care.
- Silver: Mid-range. Strongly recommended for Ohio households earning 100–250% FPL — Silver plans unlock Cost-Sharing Reductions that significantly lower deductibles and copays.
- Gold: Higher premiums, lower out-of-pocket. Best for Ohio residents who use healthcare frequently.
- Platinum: Highest premium, lowest cost per service. Available in most Ohio counties.
When to Enroll in Ohio
- Open Enrollment: November 1 – January 15 on Healthcare.gov
- January 1 coverage: Enroll by December 15
- February 1 coverage: Enroll by January 15
- Special Enrollment: Available year-round if you lose job-based coverage, move, get married, or have a baby
Ohio Insurance Resources
- Healthcare.gov — Official Ohio enrollment portal
- Ohio Department of Insurance — Plan complaints and consumer protection
- Complete ACA Guide — Full explanation of ACA Marketplace rules
- Subsidy Calculator — Estimate your 2026 premium tax credit