ACA Marketplace Health Insurance in Ohio
Ohio residents shop for marketplace health insurance through Healthcare.gov. Whether you live in Columbus, Cleveland, Cincinnati, Toledo, Akron, or a rural county, an independent broker can pull every plan available in your ZIP code at no cost. Open Enrollment runs November 1 through January 15, with coverage effective January 1 for enrollments completed by December 15.
Ohio expanded Medicaid under the ACA in January 2014. Residents earning below 138% FPL (~$21,597 for a single adult in 2026) may qualify for Ohio Medicaid rather than marketplace subsidies. An independent broker can help you determine the right pathway.
ACA Carriers Available in Ohio (2026)
10 insurers sell 2026 marketplace plans in Ohio through HealthCare.gov. Not every insurer covers every county, so the choice at your ZIP code may be smaller:
- Ambetter from Buckeye Health Plan
- Anthem Blue Cross and Blue Shield
- Antidote Health Plan of Ohio
- CareSource
- MedMutual
- Molina Healthcare
- Oscar
- Paramount
- SummaCare
- UnitedHealthcare
Carrier availability and premiums vary significantly by county. Rural Ohio counties often have fewer carrier options than metro areas.
Ohio-Specific Subsidy Notes
Because Ohio expanded Medicaid, residents above 138% FPL are the primary market for ACA subsidies. Premium tax credits apply from 138% FPL up through 400% FPL ($62,600). The Inflation Reduction Act enhancement above that threshold expired on 31 December 2025. Ohio residents above 400% FPL do not receive premium tax credits for 2026; previously the benchmark Silver plan premium exceeds a set percentage of income.
Silver plan cost-sharing reductions (CSRs) are available for Ohio residents earning 138%–250% FPL when they select a Silver plan. CSRs can reduce deductibles and out-of-pocket maximums dramatically — often cutting a Silver deductible to $500 or less at 150% FPL.
Self-Employed in Ohio?
Self-employed Ohio residents — freelancers, LLC owners, sole proprietors, S-corp owners, and 1099 workers — can deduct 100% of health insurance premiums on Schedule 1 of Form 1040. This above-the-line deduction lowers adjusted gross income, which can reduce your tax liability and may improve subsidy eligibility. See our guides for LLC owners, sole proprietors, independent contractors, and self-employed professionals.