Health insurance in Ohio is sold through Federal (Healthcare.gov), with an estimated 100-150 plans available for 2026. The average Silver-tier premium is $445/mo before subsidies for a 40-year-old non-smoker. Medicaid status: Expanded.
Marketplace
Federal HC.gov
Federal (Healthcare.gov)
Avg Silver Premium
$445/mo
Before tax credits, age 40
Medicaid
Expanded
Affordable Care Act status
| Field | Value | Notes |
|---|---|---|
| Marketplace | Federal (Healthcare.gov) | Apply via Healthcare.gov |
| Open Enrollment 2026 | Nov 1, 2025 – Jan 15, 2026 | Special enrollment for QLEs year-round |
| Plans available | 100-150 | Bronze/Silver/Gold/Platinum tiers |
| Medicaid expansion | Expanded | Up to 138% FPL |
Premium and plan counts are estimates for 2026 based on prior-year filings and pending rate approvals. Always verify pricing on the marketplace itself before enrolling.
Ohio has a moderately competitive ACA marketplace with 100–150 plans statewide. Medical Mutual of Ohio, Ambetter, and Molina are the leading carriers. Silver premiums average $435–$455/month for a 40-year-old before subsidies. Columbus, Cleveland, and Cincinnati are the most competitive markets; Appalachian southeastern Ohio has fewer carrier options and persistent network challenges. Ohio uses Healthcare.gov for marketplace enrollment. Humana and Ambetter compete aggressively in the central and southwestern markets.
Ohio's Medicaid expansion was notable for being accomplished through executive action by Republican Governor John Kasich in 2014, bypassing a legislature that had rejected the expansion. The expansion has covered over 700,000 Ohioans and has been maintained under subsequent governors. Ohio's Medicaid program is managed care-based. The state has no state-based exchange or reinsurance program. Ohio has been active in using Medicaid for opioid treatment programs, a significant need given the state's ongoing opioid crisis.
Leading 2026 ACA carriers in Ohio: Medical Mutual of Ohio, Ambetter (Centene), Molina Healthcare. Plan selection and network breadth vary widely by ZIP code — use the marketplace's plan-finder tool with your ZIP and household income for accurate availability.
Ohio expanded Medicaid in 2014 through executive action by Governor Kasich, bypassing the Republican legislature; the expansion has covered over 700,000 Ohioans.
Ohio expanded Medicaid under the ACA. Adults under 138% of the Federal Poverty Level (FPL) qualify — about $20,800/yr for an individual or $43,000/yr for a family of 4 in 2026.
💡 Ohio Pro Tip
Ohio uses the federal marketplace at Healthcare.gov. The state does not operate its own exchange.
A 40-year-old non-smoker in Ohio typically pays about $435–$455/month for a Silver plan before subsidies.
Yes. Ohio expanded Medicaid in 2014 through executive action by Governor Kasich. Adults earning up to 138% FPL are generally eligible.
Marketplace data sourced from state and federal exchange filings for Ohio, April 2026. Premium estimates are 2026-projected.
Jennifer Walsh
Editorial Lead, Health & Medicare
This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.
Reviewed April 2026
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