Health insurance for Ohioans who buy their own.
We help Ohioans who buy their own health insurance, from Columbus and Cleveland to Cincinnati and Toledo, compare Marketplace plans and other options after a job loss, while self-employed, or while bridging to Medicare.
Ohio plans we compare
What’s different about health insurance in Ohio.
Every state runs its individual market a little differently. These are the rules that matter most if you buy your own coverage here.
Read the Ohio FAQ- Ohio uses HealthCare.gov. Open enrollment for 2027 runs November 1, 2026 to January 15, 2027; pick a plan by December 15 for a January 1 start.
- The extra federal subsidies ended after 2025, so help stops above 400% of the poverty level and the average Ohio enrollee's net premium nearly doubled in 2026.
- CareSource is leaving Ohio's individual market after 2026 and Molina will not offer Marketplace plans for 2027, so their members must choose a new plan.
- Ohio continuation law can let you keep a former employer's group plan for up to 12 months, even when federal COBRA does not apply.
- Ohio expanded Medicaid to adults with income up to 138% of the poverty level, with federal work rules due by January 2027.
- Short-term plans of up to 364 days are sold in Ohio, and Ohio Farm Bureau Health Plans are another underwritten option for members.
However you got here, there’s a better plan than the first one you were offered.
Leaving a job, or staring at a COBRA bill
Compare COBRA and Ohio's own continuation rules with Marketplace plans and everything else you qualify for.
Compare your options
Retired before 65
Bridge the years to Medicare without draining savings.
Learn more
Self-employed or 1099
Solid coverage, manageable premiums, and the tax deduction most people miss.
Learn moreLooking beyond the Marketplace
Health sharing and other non-ACA options, with the trade-offs explained.
Learn moreNeed coverage for a short gap
What short-term coverage looks like in Ohio, and what to use instead.
Learn moreWho sells plans in Ohio
Every insurer offering individual and family plans for 2026.
Learn moreFrom first conversation to coverage in three steps.
- 1
Tell us your situation
Share your ZIP, age, budget and the doctors you want to keep. Online or by phone, with no commitment.
About 5 minutes - 2
We compare every option
A licensed agent checks the plans sold in your county for premiums, deductibles, networks and prescriptions.
Usually within 1 business day - 3
Enroll with confidence
See your best matches side by side. Pick one and we handle the enrollment, then stay with you for renewals.
We handle the paperwork
Straight answers before you call.
More in our Ohio FAQ, or ask an agent at (888) 214-4898.
Open enrollment through HealthCare.gov runs from November 1, 2026 to January 15, 2027. Choose a plan and pay your first premium by December 15 if you want coverage to start January 1. Outside that window you need a qualifying life event, such as losing other coverage.
Yes, for many people. The extra federal credits ended after 2025, so help now stops above 400% of the federal poverty level. The average net premium for Ohio enrollees rose from about $126 a month in 2025 to about $233 in 2026.
No. Ohio does not require residents to carry coverage and does not add its own premium help on top of the federal tax credit. Your help comes from the federal premium tax credit and, for lower incomes, cost-sharing reductions on Silver plans.
See what you'd actually pay.
A licensed agent will compare plans from every insurer in your Ohio county, check your subsidy, and walk you through the options. No cost, no obligation.