2021 Affordable Health Insurance Plans in Ohio

If you’re looking to get health insurance in Ohio, you can easily enroll through the federally facilitated Affordable Care Act-associated marketplace on healthcare.gov. As with other states, the special enrollment period has been extended to August 15th due to COVID-19. 

Highlights and Updates

  • Ohio has a federally facilitated marketplace. Residents enroll through https://www.healthcare.gov 
  • The 2021 Benefits Special Enrolment Period (SEP) is from February 15- August 15, 2021. (Benefits effective retroactively from March 1st, 2021) 
  • Ohio’s short-term health insurance is available for up to 364 days
  • The benchmark premium for health insurance in Ohio is $375.
  • Ohio has ten health care insurers through the federal marketplace. 
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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: 

What Are The Cheapest Health Insurance Companies in Ohio?

Oscar Health Insurance is one of the newest health insurance companies and seems to offer the most competitively priced plans.

How Has Obamacare Helped Ohio’s Uninsured?

Between 2013 and 2016, the number of uninsured individuals in Ohio decreased by 48%. Ohio’s uninsured rate stood at 6.5% in 2018, while in 2013, it was 11% (Source)

Ohio Health Insurance Costs Overview

There are three main metal tiers for health insurance in Ohio: Bronze, Silver, and Gold.

How Much Does Health Insurance Cost in Ohio?

According to the KFF, the average benchmark premium in Ohio is $375 in the year 2021. 

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What is the Cheapest Health Insurance Plan in Ohio?

The cheapest health insurance plan in Ohio is Oscar Bronze Simple, with an estimated monthly premium of $294.62. The deductible is $7300; the maximum out-of-pocket cost is $8550.

Cheapest Ohio Health Insurance Coverage by Metal Tier

Gold Plans

Oscar Gold Classic ranks as the most affordable Gold plan. The premium is $442.22 a month. The deductible is only $2500, and the out-of-pocket maximum is $6000.

Silver Plans

Oscar Silver Saver 2 is the cheapest Silver plan, with a deductible of $380,49. The deductible is $6200 and the out-of-pocket maximum is $8,500.

Bronze Plans

For a Bronze plan, the most affordable is Oscar Bronze Simple, with premiums of $294.62, a $7300 deductible, and an $8550 out-of-pocket maximum.

Ohio Health Insurance Costs by Occupation

What Is the Average Cost of Health Insurance for a Student in Ohio?

If you’re a student in Ohio, you can either opt-in to your school’s health insurance plan, which is typically low cost and comprehensive, or stay on your parents’ health insurance plan until you’re 26. 

What Is the Average Cost of Health Insurance for Self-Employed In Ohio?

Those who are self-employed in Ohio can sign up for an individual insurance plan on the federal marketplace.

What Is the Average Cost of Health Insurance for Small Business Owners in Ohio?

Small business owners in Ohio (under 50 employees) can opt to enroll in a Small Business Health Options Program (SHOP) on the marketplace to ensure their employees and themselves. The cost varies, but they’re eligible to claim the Small Business Health Care Tax Credit if they have fewer than 25 employees making less than $50,000 a year. The tax credit can be worth up to 50% of your contribution to employee premiums.

Ohio Health Insurance Costs by Number of Participants

What Is the Average Cost of Health Insurance for Families in Ohio?

It depends, but typically, a couple with two dependent children would pay around $1,584 for health insurance monthly, although that number could be lower depending on your financial situation. 

What Is the Average Cost of Health Insurance for Individuals in Ohio?

Across all tiers, the benchmark price for an Ohio individual is roughly $375. 

What Is the Average Cost of Health Insurance for a Child in Ohio?

If you happen to be ineligible for Medicaid, the Ohio Healthy Start program offers low to no-cost insurance for families with children. 

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. (Source)

Short Term or Temporary 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 Obamacare plans. 

Low-Income Health Insurance in Arizona

Low-income health insurance is available through the Ohio Department of Medicaid website.

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