Ohio · 2026 plan year
Gold health insurance plans in Ohio
There are 55 Gold plans on the Ohio Marketplace from 11 insurers, and they are not interchangeable — premiums run from $377 to $676 a month for the same metal tier. Here is what separates them.
55
Gold plans
11
Insurers
88
Counties covered
$377
Cheapest premium
$1,699
Average deductible
These are benchmark premiums, not your price. Every dollar figure here is the individual rate at age 21 for a non-tobacco user, before any premium tax credit — the standard way plans are compared like for like. What you actually pay depends on your age, county, household and income. Estimate your real cost.
Ohio Gold premiums rank 10th cheapest of 30.
Averaged across all 55 plans, Gold coverage in Ohio costs $536 a month before subsidies — 10th lowest of the 30 states with federal-marketplace data. Premiums vary far more by county and age than this single number suggests.
Metal tiers describe roughly what share of covered costs a plan pays, not the quality of its care or network. How the metal tiers actually differ walks through the trade, and how ACA subsidies work explains why the prices below are rarely what anyone pays.
Lowest premiums
The cheapest Gold plans in Ohio
| Plan | Premium / mo (age 21, pre-subsidy) | Deductible | Out-of-pocket max |
|---|---|---|---|
| Gold Classic StandardOscar Health Insurance | $377 | $2,000 | $8,200 |
| Gold ClassicOscar Health Insurance | $385 | $2,250 | $7,500 |
| Clear GoldAmbetter from Buckeye Health Plan | $406 | $1,200 | $9,150 |
| Gold Elite Saver PlusOscar Health Insurance | $411 | $0 | $8,900 |
| Standard GoldAmbetter from Buckeye Health Plan | $417 | $2,000 | $8,200 |
Showing 5 of 55. See all Ohio Gold plans →
Who sells here
Gold plans by insurer
| Insurer | Gold plans | Cheapest | Tier average |
|---|---|---|---|
| CareSource | 8 | $594 | $618 |
| Molina Healthcare | 8 | $443 | $450 |
| Ambetter from Buckeye Health Plan | 6 | $406 | $426 |
| Paramount | 6 | $623 | $643 |
| UnitedHealthcare | 6 | $625 | $638 |
| Antidote Health Plan of Ohio, Inc. | 5 | $498 | $538 |
| SummaCare | 5 | $464 | $474 |
| MedMutual | 4 | $480 | $488 |
| Oscar Health Insurance | 3 | $377 | $391 |
| Oscar Insurance Corporation of Ohio | 3 | $634 | $654 |
| Anthem Blue Cross and Blue Shield | 1 | $576 | $576 |
Other tiers in Ohio
How Gold compares to the rest
Nearby on price
States with similar Gold premiums
Common questions
Ohio Gold plans, answered
What are the copays on a Ohio Gold plan?
Copays vary plan by plan rather than by tier — the metal level sets roughly what share of total care costs the plan covers, not the individual amounts. Across the 55 Gold plans in Ohio, deductibles average $1,699 and the out-of-pocket maximum averages $8,222. Open any plan below to see its full cost-sharing schedule, including primary care, specialist and prescription tiers.
Who is eligible for a Gold plan in Ohio?
Any Ohio Marketplace shopper can choose Gold. It suits people who expect steady ongoing care, since the higher premium buys a much lower deductible — averaging $1,699 in this tier. If your income qualifies you for cost-sharing reductions, compare against Silver before deciding, since those only apply to Silver.
What is the deductible on a Ohio Gold plan?
The average across all 55 Gold plans in Ohio is $1,699, with an average out-of-pocket maximum of $8,222. The range within the tier is wide, so two plans at a similar premium can differ by thousands in what you would actually pay during a year with significant care. Deductible is usually a better basis for comparison than premium alone.
Are Gold plans available in my Ohio county?
Gold plans are sold in 88 Ohio counties, from 11 insurers. Which specific plans you can buy depends on where you live — a plan offered in a metro county is often not sold in a rural one. Enter your ZIP code to narrow the list to plans actually available to you.
When can I enroll in a Ohio Marketplace plan?
Ohio uses the federal Marketplace, so open enrollment runs November 1 to January 15. Outside that window you need a qualifying life event — losing job-based coverage, moving, marriage, or a birth — to open a special enrollment period. Cheapest Gold premiums in Ohio start at $377 a month before any subsidy.
Stop comparing sticker prices.
See what you would actually pay.
Simplivera simulates a full year of your real costs across all 55 Ohio Gold plans.
Estimate my costs — it’s free →