Health Insurance in Dayton, OH

Compare plans, costs, and local provider networks in Dayton for 2026.

Health Insurance Carriers in Dayton, OH

Residents of Dayton can compare health insurance plans from the following carriers during Open Enrollment (November 1–January 15): Medical Mutual of Ohio, Anthem Blue Cross Blue Shield, Ambetter from MedMutual, Aetna, Molina Healthcare, SummaCare, HealthSpan. The dominant carrier in most Dayton ZIP codes is Medical Mutual of Ohio.

Dayton is served by two major systems: Premier Health and Kettering Health (formerly Kettering Health Network). Kettering Health is faith-based (Seventh-day Adventist). Most Ohio carriers are in-network with both systems.

2026 Plan Data for Residents in Dayton

Here is what is actually filed and for sale in Montgomery County for 2026.

  • Dayton sits in Montgomery County, where 8 carrier(s) have filed 130 plans for 2026: Ambetter from Buckeye, Anthem Blue Cross and Blue Shield, Antidote Health Plan of Ohio, CareSource, MedMutual, and others.
  • Plan types available to Dayton residents: HMO.
  • One of the lower-cost Silver options is Silver Complete 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx from Antidote Health Plan of Ohio — $526/month at age 40 with a $7,500 deductible and No Charge primary care.

Source: CMS Plan Year 2026 Qualified Health Plan Landscape file. Full-price filed rates before premium tax credits; not a quote or an offer of coverage. Verify current rates at enrollment.

Hospitals and Health Systems in Dayton

Major hospital systems and facilities serving Dayton include:

  • Kettering Health Dayton (Kettering Medical Center)
  • Premier Health – Miami Valley Hospital
  • Premier Health – Good Samaritan Hospital (Cincinnati)

Network coverage varies by plan. Before enrolling, confirm your preferred hospital is in-network by checking the plan’s provider directory or calling member services.

Urgent Care Centers in Dayton

Urgent care facilities in the Dayton area include:

  • Kettering Health Urgent Care
  • Premier Health Urgent Care
  • CareNow Urgent Care Dayton

ACA Subsidies and Medicaid in Dayton

Residents of Dayton may qualify for ACA premium tax credits if household income falls between 100% and 400% of the federal poverty level (~$15,650–$62,600 for a single adult in 2026). Apply through healthcare.gov or a licensed broker during Open Enrollment or after a qualifying life event.

Dayton Health Insurance Market Profile

  • Population: 137K
  • County: Montgomery County
  • Median Household Income: $38,000 (~243% of the 2026 FPL)
  • Marketplace: healthcare.gov

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