Health Insurance in Toledo, OH

Health Insurance Carriers in Toledo, OH

Residents of Toledo 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 Toledo ZIP codes is Medical Mutual of Ohio.

Toledo has two major competing health systems: ProMedica and Mercy Health (Trinity Health). The University of Toledo Medical Center is the academic medical center. Most Ohio carriers are in-network with both ProMedica and Mercy Health.

2026 Plan Data for Residents in Toledo

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

• Toledo sits in Lucas County, where 8 carrier(s) have filed 121 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 Toledo residents: HMO.
• One of the lower-cost Silver options is Silver Complete+Dental 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx from Antidote Health Plan of Ohio — $527/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 Toledo

Major hospital systems and facilities serving Toledo include:

• ProMedica Toledo Hospital
• Mercy Health – St. Vincent Medical Center (Toledo)
• University of Toledo Medical Center

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 Toledo

Urgent care facilities in the Toledo area include:

• Urgent Care Now (ProMedica)
• Mercy Health Urgent Care Toledo
• FastMed Urgent Care

ACA Subsidies and Medicaid in Toledo

Residents of Toledo 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.

Toledo Health Insurance Market Profile

• Population: 270K
• County: Lucas County
• Median Household Income: $41,000 (~262% of the 2026 FPL)
• Marketplace: healthcare.gov