Ohio · 2027 Open Enrollment
Ohio ACA health insurance for 2027
Open Enrollment for 2027 Ohio Marketplace plans runs November 1, 2026 – January 15, 2027. Enroll by December 15 for coverage starting January 1. Larry Hamilton is a licensed agent in Ohio and can help you compare every plan available at your ZIP code, online or by phone, at no extra cost.
What's new in Ohio for 2027
CareSource is leaving Ohio's individual market and Molina won't offer Marketplace plans in 2027, so members of both must switch. AmeriHealth Caritas is joining, and at least nine insurers will offer coverage.
Across the country, the median proposed 2027 premium increase is about 15% (Peterson-KFF Health System Tracker). The extra federal subsidies that capped premiums at 8.5% of income expired at the end of 2025, and the 400% of poverty "subsidy cliff" is back for 2027 (Congressional Research Service). That makes reviewing your plan and your income estimate more important than usual. See our 2027 subsidy income limits guide.
How to enroll in Ohio
Ohio residents enroll through HealthCare.gov, the federal Marketplace. You can apply directly or use an approved enhanced direct enrollment site like HealthSherpa. You get the same plans, prices and tax credits either way. Using Larry's secure HealthSherpa link, you:
- Enter your Ohio ZIP code, household size and estimated 2027 income.
- Compare Bronze, Silver, Gold and Platinum plans side by side, including premiums after tax credits, deductibles, doctors and prescriptions.
- Pick a plan, submit your application and pay your first premium to activate coverage.
Prefer to talk it through? Call 803-851-3589. Because of new 2027 federal rules, you'll confirm by electronic authorization that you want an agent to help with your application (CMS, Sept. 2026).
2027 Ohio Marketplace insurers
- Anthem Blue Cross and Blue Shield
- Buckeye Community Health Plan (Ambetter)
- Medical Mutual
- Oscar
- Summa Health
- UnitedHealthcare
- Antidote Health Plan
- AmeriHealth Caritas (new for 2027)
Not every insurer sells plans in every county. Source: healthinsurance.org Ohio Marketplace guide and state rate filings, September 2026.
Medicaid and the coverage gap in Ohio
Ohio expanded Medicaid, so adults with income up to 138% of the poverty level may qualify for Ohio Medicaid. If your household may qualify for Ohio Medicaid, you can apply any time of year. The Marketplace application will tell you if you're likely eligible.
Where we help in Ohio
We enroll individuals, families, self-employed workers and early retirees across Ohio, including Columbus, Cleveland, Cincinnati, Toledo, Akron and Dayton, plus rural counties. Everything is handled by phone and online, so there's no office visit.
Frequently asked questions
When is Open Enrollment for 2027 health insurance in Ohio?
Open Enrollment for 2027 coverage in Ohio runs November 1, 2026 through January 15, 2027. Enroll by December 15, 2026 for coverage that starts January 1, 2027.
How much are ACA premiums going up in Ohio for 2027?
Insurers' proposed 2027 rates in Ohio average about 10.7% before subsidies, according to rate filings tracked by healthinsurance.org. What you actually pay depends on your plan, age, ZIP code and tax credit.
Which insurers sell Marketplace plans in Ohio for 2027?
Insurers offering Ohio Marketplace coverage for 2027 include Anthem Blue Cross and Blue Shield, Buckeye Community Health Plan (Ambetter), Medical Mutual, Oscar, Summa Health, UnitedHealthcare, Antidote Health Plan, AmeriHealth Caritas (new for 2027). Availability varies by county.
Did Ohio expand Medicaid?
Ohio expanded Medicaid, so adults with income up to 138% of the poverty level may qualify for Ohio Medicaid.
Can a licensed agent help me enroll in Ohio by phone?
Yes. Larry Hamilton (NPN #11384312) is licensed in Ohio and helps residents compare and enroll in ACA Marketplace plans by phone or online at no extra cost.