Health Insurance in Youngstown, OH

Health Insurance Carriers in Youngstown, OH

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

Youngstown is served primarily by Mercy Health (Trinity Health) with additional competition from UPMC, the Pittsburgh-based health system that has expanded into Northeast Ohio.

2026 Plan Data for Residents in Youngstown

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

• Youngstown sits in Mahoning County, where 7 carrier(s) have filed 114 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 Youngstown residents: HMO.
• One of the lower-cost Silver options is Molina Silver Saver with Four Free PCP Visits from Molina Healthcare — $506/month at age 40 with a $7,000 deductible and $40 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 Youngstown

Major hospital systems and facilities serving Youngstown include:

• Mercy Health – St. Elizabeth Youngstown Hospital
• Mercy Health – St. Joseph Warren Hospital
• UPMC Youngstown (Cross Street campus)

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 Youngstown

Urgent care facilities in the Youngstown area include:

• Mercy Health Urgent Care Youngstown
• UPMC Urgent Care
• Concentra Urgent Care

ACA Subsidies and Medicaid in Youngstown

Residents of Youngstown 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.

Youngstown Health Insurance Market Profile

• Population: 60K
• County: Mahoning County
• Median Household Income: $30,000 (~192% of the 2026 FPL)
• Marketplace: healthcare.gov