Health Insurance Plans in Ohio
Compare ACA marketplace plans, short-term coverage, dental, vision, and ancillary products available to Ohio residents. Get a free quote from a licensed advisor today.
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Ohio Health Insurance at a Glance
Here's what you need to know about health coverage options in Ohio.
Ohio offers one of the most competitive ACA marketplaces in the nation, with some of the lowest average Silver plan premiums in the country. The state's Medicaid expansion has been a game-changer for low-income coverage. From Cleveland to Cincinnati, residents have multiple plan options.
Check Plans in Your ZIP Code
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Want a personalized quote with exact plan options and pricing for your ZIP code?
Get My Personalized Quote →ACA Marketplace Plans in Ohio
ACA plans offer comprehensive coverage with protections for pre-existing conditions and potential subsidies.
How the Ohio Marketplace Works
Ohio residents enroll through Federal (HealthCare.gov). Plans are available in four metal tiers — Bronze, Silver, Gold, and Platinum — each with different premium and out-of-pocket cost structures.
- No denial for pre-existing conditions
- 10 essential health benefits covered by law
- Subsidies available based on income
- Children covered up to age 26 on a parent's plan
- Free preventive care (screenings, vaccines, wellness visits)
Top Carriers in Ohio
These insurance companies offer ACA marketplace plans in Ohio:
- Ambetter
- CareSource
- Anthem
- Molina Healthcare
- Oscar Health
- SummaCare
- Antidote Health
- Cigna Healthcare
- UnitedHealthcare
Carrier availability varies by county. A licensed advisor can tell you exactly which plans are available in your ZIP code.
Medicaid in Ohio
Ohio has expanded Medicaid under the ACA.
This means low-income adults earning up to 138% of the Federal Poverty Level can qualify for Medicaid coverage. If you earn too much for Medicaid but not enough to afford marketplace plans, ACA subsidies may help bridge the gap.
Check Your Eligibility →Short-Term Health Insurance in Ohio
Need coverage fast? Short-term plans can start in as little as 24 hours.
Short-Term Plan Rules in Ohio
- Maximum duration: 12 months, renewable up to 36 months
- Coverage can begin within 24–72 hours of enrollment
- Lower premiums than ACA plans (but fewer benefits)
- Best for: between jobs, waiting for employer coverage, aging off a parent's plan
Short-term plans are not ACA-compliant — they do not cover pre-existing conditions and may have limited benefits. But for healthy individuals who need temporary protection, they offer an affordable safety net.
Learn More About Short-Term Plans →Who Should Consider Short-Term in Ohio?
- Recently lost employer-sponsored coverage
- Waiting for new job benefits to start
- Recent college graduates
- Early retirees not yet eligible for Medicare
- Missed ACA Open Enrollment
Ancillary Plans in Ohio
Fill the gaps in your health coverage with affordable supplemental plans.
Dental Insurance
Preventive cleanings, fillings, crowns, and more. PPO and HMO options available.
Learn More →Hospital Indemnity
Get paid a fixed cash benefit for every day you spend in the hospital.
Learn More →Critical Illness
Lump-sum cash payment upon diagnosis of cancer, heart attack, stroke, or other covered conditions.
Learn More →Accident Insurance
Cash benefits for ER visits, fractures, dislocations, and other covered injuries.
Learn More →Travel Insurance
Trip cancellation, emergency medical care abroad, and evacuation coverage.
Learn More →Ohio Health Insurance Questions
Ohio Insurance Resources
Ohio Department of Insurance
File complaints, verify licenses, and learn about your rights as a consumer.
Ohio Marketplace
Enroll in ACA plans through Federal (HealthCare.gov).
Health Insurance by City in Ohio
Find health insurance information specific to your city in Ohio.
Columbus
Franklin County · Pop. 905,748
Cleveland
Cuyahoga County · Pop. 372,624
Cincinnati
Hamilton County · Pop. 309,317
Toledo
Lucas County · Pop. 270,871
Akron
Summit County · Pop. 190,469
Dayton
Montgomery County · Pop. 137,644
Columbus
Franklin County · Pop. 898,553
Cleveland
Cuyahoga County · Pop. 381,768
Cincinnati
Hamilton County · Pop. 309,317
Toledo
Lucas County · Pop. 270,871
Akron
Summit County · Pop. 197,846
Dayton
Montgomery County · Pop. 137,644
Parma
Cuyahoga County · Pop. 81,000
Youngstown
Mahoning County · Pop. 64,628
Canton
Stark County · Pop. 70,472
Springfield
Clark County · Pop. 58,662
Riverside
Montgomery County · Pop. 25,529
Kettering
Montgomery County · Pop. 56,251
Middleburg Heights
Cuyahoga County · Pop. 15,946
North Ridgeville
Lorain County · Pop. 33,248
Hilliard
Franklin County · Pop. 42,677
Powell
Delaware County · Pop. 12,359
Westerville
Franklin County · Pop. 40,089
Worthington
Franklin County · Pop. 14,888
Gahanna
Franklin County · Pop. 39,189
New Albany
Franklin County · Pop. 10,281
Health Insurance by County in Ohio
Find health insurance information for your county in Ohio.
Franklin County
County Seat: Columbus · Pop. 1,323,807
Cuyahoga County
County Seat: Cleveland · Pop. 1,225,911
Hamilton County
County Seat: Cincinnati · Pop. 866,228
Lucas County
County Seat: Toledo · Pop. 432,465
Summit County
County Seat: Akron · Pop. 541,781
Montgomery County
County Seat: Dayton · Pop. 537,427
Mahoning County
County Seat: Youngstown · Pop. 224,622
Stark County
County Seat: Canton · Pop. 368,815
Clark County
County Seat: Springfield · Pop. 130,654
Lorain County
County Seat: Elyria · Pop. 302,002
Delaware County
County Seat: Delaware · Pop. 207,490
Butler County
County Seat: Hamilton · Pop. 382,105
Warren County
County Seat: Lebanon · Pop. 247,074
Clermont County
County Seat: Batavia · Pop. 204,842
Greene County
County Seat: Xenia · Pop. 161,573
Miami County
County Seat: Troy · Pop. 109,017
Darke County
County Seat: Greenville · Pop. 51,216
Preble County
County Seat: Eaton · Pop. 40,113
Union County
County Seat: Marysville · Pop. 59,827
Madison County
County Seat: London · Pop. 43,637