If you’re looking to get health insurance in Ohio, you can easily enroll through the federally facilitated Affordable Care Act-associated marketplace on www.healthcare.gov.
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How to Buy Health Insurance in Ohio
If you don’t receive health insurance from the federal government or an employer, you can purchase a plan on the federal exchange. Insurance is broken down into three main metal tiers: Bronze, Silver, and Gold. The prices vary, but all essential services are covered regardless of the plan chosen. The monthly premiums become more expensive as you go to higher tiers, but more services are covered.
For low-income residents, health insurance is issued through Medicaid. You can apply through the Ohio Department of Medicaid website.
How to Apply for Health Insurance in Ohio
Applying for health insurance is simple. Visit the federal marketplace, enter your data, and browse the plans. Depending on the tier level you choose, prices will vary, but you’re guaranteed the same essential services no matter which plan you choose.
Health Insurance Carriers In Ohio
Ohio has ten health insurance companies in the federal marketplace:
- AultCare
- Ambetter
- CareSource
- Community Insurance Company
- Medical Health Insuring Corp. of Ohio
- Molina
- Oscar Buckeye State Insurance Corporation
- Oscar Insurance Corporation of Ohio
- Paramount
- Summa
Ohio Health Insurance Costs Overview
There are three main metal tiers for health insurance in Ohio: Bronze, Silver, and Gold.
As 2025 data is not yet available, we have used statistics from 2024 to reflect costs so you can have an idea of what to expect.
How Much Does Health Insurance Cost in Ohio?
According to the KFF, the average benchmark premium in Ohio is $435 in the year 2024.
What is the Cheapest Health Insurance Plan in Ohio?
The cheapest health insurance plan in Ohio is the one that suits your needs. Enter your zip code below to get started!
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Cheapest Ohio Health Insurance Coverage by Metal Tier
As 2025 data is not yet available, we have used statistics from 2024 to reflect costs so you can have an idea of what to expect.
Note that all costs are 2024 pricing from KFF. (source)
Gold Plans
The average lowest cost premium of a Gold Plan in Ohio in 2024 was $477.
Silver Plans
The average lowest cost premium of a Silver Plan in Ohio in 2024 was $431.
Bronze Plans
For a Bronze plan, the average lowest premium in 2024 was $354.
Other Types of Ohio Health Insurance Coverage
Catastrophic Health Insurance in Ohio
Catastrophic health insurance plans under the federal ACA marketplace are available in Ohio, but only to those thirty years of age or younger, or those seeking a hardship or affordability exemption.
Short Term Health Insurance in Ohio
Short-term health insurance is available in Ohio for up to 12 months and cannot be renewed. However, be advised that short-term insurance plans are not required to meet the essential service minimums prescribed by ACA plans.
Low Income Health Insurance in Ohio
Low-income health insurance is available through the Ohio Department of Medicaid website.
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Marketplace Average Benchmark Premiums, KFF, accessed 08/16/2023, https://www.kff.org/health-reform/state-indicator/marketplace-average-benchmark-premiums/?currentTimeframe=0&sortModel=%7B%22colId%22:%22Location%22,%22sort%22:%22asc%22%7D
Average Marketplace Premiums by Metal Tier, 2018-2024, KFF, accessed 08/16/2023, https://www.kff.org/health-reform/state-indicator/average-marketplace-premiums-by-metal-tier/?currentTimeframe=0&sortModel=%7B%22colId%22:%22Average%20Lowest-Cost%20Bronze%20Premium__2022%22,%22sort%22:%22desc%22%7D