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Ohio Health Insurance

Are you in need of Ohio health insurance? Discover affordable plans from federal marketplace insurers, customize your coverage within your budget, and receive expert advice in the State of Ohio.



Ohio Health Insurance CrosswalkChoosing the Right Ohio Health Insurance Plan

Picking the right metal-tier plan in Ohio health insurance is essential, as it directly affects your expected healthcare needs and your budget. If you know you’ll need healthcare often or want strong financial protection, consider a higher-tier plan like Gold or Platinum for more extensive coverage. If you’re generally healthy and want lower monthly costs, a lower-tier plan like Bronze could work but keep in mind it may mean higher out-of-pocket expenses when you do need medical care. Consider your health status and expected medical costs to find a metal-tier plan that offers the right balance of coverage and affordability.

  • Bronze Tier: The Bronze tier plans typically have the lowest monthly premiums but higher out-of-pocket costs when you receive medical services. These plans generally cover around 60% of your healthcare expenses, while you would be responsible for the remaining 40%. Bronze plans are a good choice for individuals who want to keep their monthly premium costs low and are relatively healthy with minimal medical needs.
  • Silver Tier: Silver-tier plans strike a balance between premiums and out-of-pocket costs. They cover approximately 70% of your medical expenses, leaving you responsible for the remaining 30%. Silver plans also offer cost-sharing reductions (CSR) for eligible individuals, which further lower out-of-pocket expenses for those with lower incomes. These plans are suitable for individuals who need more coverage than what a Bronze plan offers but want to avoid higher premiums of Gold or Platinum plans.
  • Gold Tier: Gold tier plans have higher monthly premiums compared to Bronze and Silver plans but provide more extensive coverage. They typically cover about 80% of your medical costs, leaving you with 20% to pay out of pocket. Gold plans are a good fit for individuals who expect to have higher medical expenses and want more predictable and comprehensive coverage.
  • Platinum Tier: Platinum tier plans have the highest monthly premiums but the most comprehensive coverage. They cover around 90% of your healthcare expenses, and you are responsible for the remaining 10%. Platinum plans are ideal for individuals who frequently use medical services and want the most extensive coverage with minimal out-of-pocket expenses.



Cheapest Ohio Health Insurance Plans by County

There are numerous budget-friendly FL health insurance plans available to residents, offering essential coverage without overwhelming their financial resources and ensuring access to quality medical care for all. Below is a listing of the least expensive health insurance plan by county:


CountyCostInsurance company & Plan NameMetal Level
Allen$314.66Caresource Marketplace BronzeBronze
Adams$337.35Ambetter Clear BronzeBronze
Ashland$291.02Caresource Marketplace BronzeBronze
Ashtabula$280.79Caresource Marketplace BronzeBronze
Athens$435.87Molina Constant Care Silver 1 250Silver
Auglaize$314.66Caresource Marketplace BronzeBronze
Belmont$350.29Caresource Marketplace BronzeBronze
Brown$333.04MedMutual Market HMO 9100Bronze
Butler$321.24Ambetter Clear BronzeBronze
Carroll$330.88Caresource Marketplace BronzeBronze
Champaign$291.86Anthem BCBS Bronze Pathway X HMO 9100Bronze
Clark$291.86Anthem BCBS Bronze Pathway X HMO 9100Bronze
Clermont$333.04MedMutual Market HMO 9100Bronze
Clinton$333.04MedMutual Market HMO 9100Bronze
Columbiana$326.43MedMutual Market HMO 9100Bronze
Coshocton$350.29Caresource Marketplace BronzeBronze
Crawford$323.89Caresource Marketplace BronzeBronze
Cuyahoga$266.37Caresource Marketplace BronzeBronze
Darke$272.33Anthem BCBS Bronze Pathway X HMO 8700Bronze
Defiance$289.19Caresource Marketplace BronzeBronze
Delaware$295.10Oscar Bronze Simple Select
Erie$353.74MedMutual Market HMO 9100Bronze
Fairfield$298.20Anthem BCBS Bronze Pathway X HMO 9100Bronze
Fayette$298.20Anthem BCBS Bronze Pathway X HMO 9100Bronze
Franklin$298.20Anthem BCBS Bronze Pathway X HMO 9100Bronze
Fulton$304.78Caresource Marketplace BronzeBronze
Gallia$379.21Caresource Marketplace BronzeBronze
Geauga$280.79Caresource Marketplace BronzeBronze
Greene$291.86Anthem BCBS Bronze Pathway X HMO 9100Bronze
Guernsey$350.29Caresource Marketplace BronzeBronze
Hamilton$321.24Ambetter Clear BronzeBronze
Hancock$314.66Caresource Marketplace BronzeBronze
Hardin$314.66Caresource Marketplace BronzeBronze
Harrison$350.29Caresource Marketplace BronzeBronze
Henry$304.78Caresource Marketplace BronzeBronze
Highland$333.04MedMutual Market HMO 9100Bronze
Hocking$356.28Caresource Marketplace BronzeBronze
Holmes$339.70Caresource Marketplace BronzeBronze
Huron$353.74MedMutual Market HMO 9100Bronze
Jackson$332.63MedMutual Market HMO 9100Bronze
Jefferson$350.29Caresource Marketplace BronzeBronze
Knox$298.20Anthem BCBS Bronze Pathway X HMO 9100Bronze
Lake$280.79Caresource Marketplace BronzeBronze
Lawrence$379.21Caresource Marketplace BronzeBronze
Licking$298.20Anthem BCBS Bronze Pathway X HMO 9100Bronze
Logan$298.20Anthem BCBS Bronze Pathway X HMO 9100Bronze
Lorain$280.79Caresource Marketplace BronzeBronze
Lucas$304.78Caresource Marketplace BronzeBronze
Madison$298.20Anthem BCBS Bronze Pathway X HMO 9100Bronze
Mahoning$326.43MedMutual Market HMO 9100Bronze
Marion$370.64Anthem BCBS Bronze Pathway X HMO 9100Bronze
Medina$291.02Caresource Marketplace BronzeBronze
Meigs$356.28Caresource Marketplace BronzeBronze
Mercer$314.66Caresource Marketplace BronzeBronze
Miami$291.86Anthem BCBS Bronze Pathway X HMO 9100Bronze
Monroe43754Caresource Marketplace BronzeBronze
Montgomery45322Anthem BCBS Bronze Pathway X HMO 9100Bronze
Morgan$350.29Caresource Marketplace BronzeBronze
Morrow$370.64Anthem BCBS Bronze Pathway X HMO 9100Bronze
Muskingum$350.29Caresource Marketplace BronzeBronze
Noble$350.29Caresource Marketplace BronzeBronze
Ottawa$353.74MedMutual Market HMO 9100Bronze
Paulding$314.66Caresource Marketplace BronzeBronze
Perry$304.78Oscar Bronze Simple SelectBronze
Pickaway$298.20Anthem BCBS Bronze Pathway X HMO 9100Bronze
Pike$332.63Anthem BCBS Bronze Pathway X HMO 9100Bronze
Portage$291.02Caresource Marketplace BronzeBronze
Preble$291.86Anthem BCBS Bronze Pathway X HMO 9100Bronze
Putnam$314.66Caresource Marketplace BronzeBronze
Richland$359.46Caresource Marketplace BronzeBronze
Ross$332.63MedMutual Market HMO 9100Bronze
Sandusky$351.81Paramount Bronze 2 HRABronze
Scioto$337.76Ambetter Clear BronzeBronze
Seneca$351.81Paramount Bronze 2 HRABronze
Shelby$291.86Anthem BCBS Bronze Pathway X HMO 9100Bronze
Stark$324.42SummaCare Bronze 8000Bronze
Summit$291.02Caresource Marketplace BronzeBronze
Trumbull$326.43MedMutual Market HMO 9100Bronze
Tuscarawas$350.29Caresource Marketplace BronzeBronze
Union$298.20Anthem BCBS Bronze Pathway X HMO 9100Bronze
Van Wert$314.66Caresource Marketplace BronzeBronze
Vinton$332.63MedMutual Market HMO 9100Bronze
Warren$321.24Ambetter Clear BronzeBronze
Washington$356.28Caresource Marketplace BronzeBronze
Wayne$339.70Caresource Marketplace BronzeBronze
Williams$304.78Caresource Marketplace BronzeBronze
Wood$304.78Caresource Marketplace BronzeBronze
Wyandot$353.74MedMutual Market HMO 9100Bronze


Cheapest Ohio Health Insurance Plans by Metal Level

Choose a health plan by evaluating your healthcare needs, finances, and risk tolerance. Plans are grouped by metal tiers, representing coverage and costs. The table below shows the cheapest plan by metal level.


Metal LevelCostPlan Name
Bronze$298.20AnthemBronze Pathway X HMO 9100
Silver$390.20AnthemSilver Pathway X HMO 5800
Gold$428.14OscarGold Classic Select
*based on a healthy 35-year-old individual in Columbus, Ohio.


Cheapest Ohio Health Insurance Plans by Insurance Company 

When it comes to insurance decisions, having an insurance carrier in mind is a positive start, but the choice of a specific plan can be crucial. If you are looking for the cheapest plan your preferred Health Insurance carrier offers, the list below will greatly help you.


Insurance companyCostPlan NameDescription
Ambetter$382.60Clear BronzeDeductible:$8,600
PCP:$0 after deductible
Specialist: $0 after deductible
Anthem BCBS$298.20Bronze Pathway X HMO 9100Deductible:$9,100
PCP:$0 after deductible
Specialist: $0 after deductible
Caresource$433.89Marketplace BronzeDeductible:$9,100
PCP:$0 after deductible
Specialist: $0 after deductible
MedMutual$394.50Market HMO 9100Deductible:$9,100
PCP:$0 after deductible
Specialist: $0 after deductible
Molina Healthcare$474.88Constant Care Silver 1 250Deductible:$2,500
Specialist: $60
Oscar Health Insurance$304.78Bronze Simple SelectDeductible:$9,100
PCP:$0 after deductible
Specialist: $0 after deductible
*based on a healthy 35-year-old individual in Columbus, Ohio.


Ohio Provider LogoHealth Insurance Carriers

Ohio’s health insurance marketplace operates through, serving as a gateway for individuals and families to explore a range of vital coverage options. Among the insurance companies participating in this marketplace are:

Aetna CVS Health


Anthem Blue Cross and Blue Shield

AultCare Insurance Company



Molina Healthcare

Oscar Health Insurance

Oscar Insurance Corporation of Ohio





These insurance providers together offer a wide range of health insurance plans, ensuring that individuals in Ohio have access to diverse options that suit their unique requirements and preferences.


Ohio Health Insurance HeartOhio Health Insurance Statistics and Figures

In 2021, 10,712,600 people were insured, while 743,100 remained uninsured. In 2023, health insurance costs averaged $413, with a 10.1% increase from the previous year. These numbers reveal the persistent challenge of rising healthcare expenses, emphasizing the need for affordable healthcare options.


Insured (2021)10,712,600
Uninsured (2021)743,100
Ave. cost of Health Insurance (2023)$413
Change from Prev. Year's Ave. Premium (2022-2023)10.1%
*based on dataset


Ohio Health Insurance BookHealth Insurance Terms to Learn When Getting a Plan

Understanding the most basic health insurance terms is vital to making informed decisions about your coverage, comparing different plans, and effectively managing your healthcare expenses.

Premium: The premium is the amount you pay to the health insurance company regularly, usually on a monthly basis, to maintain your coverage. It is a fixed cost, regardless of whether you use healthcare services or not.

Deductible: The deductible is the amount you must pay out of pocket for covered medical services before your insurance starts to pay. For example, if you have a $1,000 deductible, you are responsible for paying the first $1,000 of covered medical expenses before your insurance coverage kicks in.

Co-payment (Co-pay): A co-payment is a fixed amount you pay for certain medical services, such as doctor visits or prescription drugs, at the time of service. Co-payments are typically a specific dollar amount (e.g., $20 per doctor visit) and can vary depending on the service.

Coinsurance: Coinsurance is the percentage of the cost of a covered healthcare service that you are responsible for paying after you’ve met your deductible. For instance, if your insurance plan has a 20% coinsurance for hospitalization, you would pay 20% of the covered costs, and the insurance company would cover the remaining 80%.

Out-of-Pocket Maximum (OOP Max): The out-of-pocket maximum is the highest amount you have to pay for covered medical services in a given year. Once you reach this limit, your insurance company covers 100% of the remaining covered medical expenses for the rest of the year.

Network: A network refers to a group of doctors, hospitals, and other healthcare providers that have contracted with a specific insurance company to provide services at discounted rates. Staying in-network usually results in lower out-of-pocket costs for the insured individual.

Out-of-Network: Out-of-network providers are healthcare professionals or facilities that do not have agreements with your insurance company. If you use an out-of-network provider, you may have higher costs, and some services may not be covered.

Enrollment Periods: For plans offered through the Health Insurance Marketplace, 

Open Enrollment Period (OEP) occurs once a year, typically from November 1 to December 15, allowing individuals to enroll in or change health insurance plans for the upcoming coverage year through the Health Insurance Marketplace or their employer. Special Enrollment Period (SEP) Allows individuals to enroll in or change health insurance plans outside of the regular Open Enrollment period due to qualifying life events such as marriage, birth of a child, losing other health coverage, moving, or changes in household income. Medicare Initial Enrollment Period (IEP) is available for those eligible for Medicare, lasting seven months, beginning three months before the 65th birthday and ending three months after, allowing enrollment in Medicare Part A, Part B, Part D, and Medicare Advantage plans.



Ohio Health Insurance ShieldFree Health Insurance Options in Ohio

In Ohio, there are several free or low-cost health insurance options available to eligible individuals and families who meet specific criteria. These programs aim to provide essential healthcare services and coverage to those with limited financial resources. Here are some of the main options:

Medicaid: Medicaid is a state and federally-funded program that offers free or low-cost health coverage to low-income individuals and families, including pregnant women, children, parents, and adults with disabilities. Eligibility is based on income and other factors.

Marketplace Health Insurance with Subsidies: The Health Insurance Federal Marketplace in Ohio, also known as, offers private health insurance plans with subsidies (premium tax credits and cost-sharing reductions) for individuals and families with low to moderate incomes. These subsidies help lower the monthly premiums and out-of-pocket costs.

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