Quick answer
In 2026, the benchmark silver marketplace plan for a 40-year-old in Ohio averaged $513 a month before subsidies, well below the U.S. average of $625. Prices rise with age: roughly $401 a month at 21 and $1,089 at 60. Most enrollees pay less after a premium tax credit. Insurers have proposed an average increase of about 11% for 2027, and two insurers are leaving Ohio’s marketplace.
Key takeaways
- Ohio’s 2026 benchmark premium for a 40-year-old was about $112 below the national average.
- About 470,000 Ohioans picked a marketplace plan for 2026, down from about 583,000 in 2025.
- More than 8 in 10 enrollees got a premium tax credit.
- Ohio expanded Medicaid, covering adults with incomes up to 138% of the poverty level.
- Molina and CareSource are leaving Ohio’s marketplace for 2027, and AmeriHealth Caritas is joining.
On this page
What an Ohio marketplace plan costs before subsidies
| Age | Benchmark silver plan, per month (2026 estimate) |
|---|---|
| 21 | $401 |
| 30 | $456 |
| 40 | $513 |
| 50 | $717 |
| 60 | $1,089 |
| 64 | $1,204 |
| Child under 15 | $307 |
A family of four with two 40-year-old parents and two young children would pay about $1,640 a month for benchmark plans before subsidies.
What you’d pay after a tax credit
If your household income is between 100% and 400% of the federal poverty level, a premium tax credit caps what you pay for the benchmark plan at a share of your income. A single 40-year-old in Ohio earning $40,000 would pay about $287 a month for the benchmark plan in 2026, with a tax credit of about $226. Above 400% of the poverty level ($62,600 for one person for 2026 coverage), you’d pay full price.
Costs beyond the premium
What you pay when you get care depends on your plan’s deductible, copays and coinsurance, up to the out-of-pocket maximum of $10,600 for one person in 2026 ($12,000 in 2027). If your income is under 250% of the poverty level, a silver plan’s cost-sharing reductions lower those costs.
Ohio marketplace facts
- Enrollment: About 469,600 plan selections for 2026, down from about 583,000.
- Insurers: 11 in 2026. For 2027, Molina is dropping its marketplace plans, CareSource is leaving Ohio’s individual market, and AmeriHealth Caritas is entering. If your insurer is leaving, see what to do if your insurance company leaves the Marketplace.
- 2027 prices: Insurers proposed increases averaging about 10.7%, ranging from -1.5% to 24.1% by insurer.
- Medicaid: Ohio expanded Medicaid. Starting in 2027, many adults in the expansion group will need to meet new federal work requirements. See Medicaid work requirements.
Other options in Ohio
- Job-based coverage, usually the cheapest route if it’s offered.
- Medicaid and CHIP for adults and children who qualify; see health insurance for low-income families.
- Medicare at 65.
If your insurer is leaving, you’ll need to choose a new plan during open enrollment; see how to switch health insurance companies.
Health insurance costs in nearby states: Pennsylvania, West Virginia, Kentucky, Indiana and Michigan. You can also compare health insurance costs in every state.
See 2027 plans and prices in your Ohio county: compare quotes by ZIP code.
Frequently asked questions
What’s the average cost of health insurance in Ohio?
Before subsidies, the 2026 benchmark silver plan for a 40-year-old averaged $513 a month. What you pay depends on your age, county, income and plan.
What happens if my Ohio insurer leaves the marketplace?
You’ll get a notice and need to pick a new plan during open enrollment. If you don’t, HealthCare.gov may match you with a similar plan from another insurer.
When is open enrollment for 2027 in Ohio?
November 1, 2026 to January 15, 2027 on HealthCare.gov. Sign up by December 15 for coverage starting January 1.
Sources
This article is general information, not insurance or tax advice. Prices are averages and estimates; your actual premium depends on your county, age, income and plan. Last reviewed September 2026.