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Ohio · 2026 plan year

Silver health insurance plans in Ohio (2026)

There are 69 Silver plans on the Ohio Marketplace from 11 insurers, and they are not interchangeable — premiums run from $377 to $592 a month for the same metal tier. Here is what separates them.

69
Silver plans
11
Insurers
88
Counties covered
$377
Cheapest premium
$6,000
Median 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 Silver premiums rank 8th cheapest of 35.

Averaged across all 69 plans, Silver coverage in Ohio costs $462 a month before subsidies — 8th lowest of the 35 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.

Cost

What a Silver plan costs in Ohio in 2026

Across all 69 Silver plans in Ohio, monthly premiums run from $377 to $592, averaging $462. Those are age-21, non-tobacco rates before any subsidy — the basis every figure on this page uses, and rarely what anyone actually pays. Premium tax credits cut that bill for most Ohio enrollees, often to a fraction of the sticker price.

Deductibles

Silver plan deductibles in Ohio

Silver deductibles in Ohio run from $3,250 to $7,500, with a median of $6,000 across the 64 plans with one combined deductible — the amount you pay yourself before the plan starts sharing most costs. The median is the closest thing to a typical plan; the mean sits at $5,888 because the spread is not symmetric. The other 5 set a separate deductible for prescription drugs, so their medical deductible alone would understate what you pay; they are left out of these figures, and the table below shows both deductibles where a plan has two. No single figure is a quote — the table below shows the real deductible on each of the cheapest plans, and the insurer breakdown shows how the range splits by carrier.

Out-of-pocket maximum

Silver out-of-pocket maximums in Ohio

Individual out-of-pocket maximums on Ohio Silver plans run from $5,500 to $10,600, with a median of $9,200. That is the ceiling on what a plan can make you pay in a year for covered in-network care — after you reach it, the plan pays 100% of covered services. It is the number that matters most in a bad year, and the top of the range here is set by the federal limit that applies to every Marketplace plan, not by the insurer.

Lowest premiums

The cheapest Silver plans in Ohio

PlanPremium / mo (age 21, pre-subsidy)DeductibleOut-of-pocket max
Silver Classic StandardOscar Health Insurance$377$6,000$8,900
Silver Simple PCP SaverOscar Health Insurance$378$5,750$10,150
Silver Simple DiabetesOscar Health Insurance$378$6,500$10,000
Silver Simple Breathe Easy with Enhanced COPD BenefitsOscar Health Insurance$379$6,200$9,600
Silver Simple Chronic Care CKMOscar Health Insurance$382$5,900$10,150

Showing 5 of 69. See all Ohio Silver plans →

Who sells here

Silver plans by insurer

InsurerSilver plansCheapestTier averageDeductible range
Paramount10$543$569$6,000–$7,000
CareSource9$421$439$5,000–$6,200
Oscar Health Insurance7$377$380$5,750–$6,500
Oscar Insurance Corporation of Ohio7$557$564$5,750–$6,500
Molina Healthcare6$383$387$6,000–$7,000
SummaCare6$396$401$3,500–$7,000
UnitedHealthcare6$526$535$3,250–$6,000
Anthem Blue Cross and Blue Shield5$425$440$4,000–$6,000
Antidote Health Plan of Ohio, Inc.5$385$413$6,000–$7,500
Ambetter from Buckeye Health Plan4$408$417$5,950–$6,000
MedMutual4$420$430$5,000–$6,000
Other tiers in Ohio

How Silver compares to the rest

Bronze
Avg $367 · from $278
65 plans
Silver
Avg $462 · from $377
69 plans · you are here
Gold
Avg $536 · from $377
55 plans

All OhioMarketplace plans →

Nearby on price

States with similar Silver premiums

Iowa
Avg $459
41 Silver plans
Michigan
Avg $464
43 Silver plans
North Dakota
Avg $485
20 Silver plans
Common questions

Ohio Silver plans, answered

What are the copays on Ohio Silver plans?
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. What the tier does bound is the rest of the cost-sharing: across the 69 Silver plans in Ohio, out-of-pocket maximums run $5,500 to $10,600, and deductibles on the 64 plans with one combined deductible run $3,250 to $7,500. The other 5 set a separate deductible for prescription drugs and are not included in the deductible figures. Open any plan below to see its full cost-sharing schedule, including primary care, specialist and prescription tiers.
Who is eligible for a Silver plan in Ohio?
Anyone eligible to buy Marketplace coverage in Ohio can pick a Silver plan — there is no separate test for the tier. What Silver uniquely unlocks is cost-sharing reductions, available if your household income is roughly 100–250% of the federal poverty level. Those reductions apply only to Silver plans, which is why Silver is usually the right choice at those incomes even though its sticker price here ($462 a month on average) is higher than Gold in some states.
What is the deductible on Ohio Silver plans?
Silver deductibles in Ohio run from $3,250 to $7,500 across the 64 plans with one combined deductible, with a median of $6,000 — that median is the figure closest to a typical plan. The other 5 set a separate deductible for prescription drugs and are not included in the deductible figures. Out-of-pocket maximums run $5,500 to $10,600. The spread inside a single 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 Silver plans available in my Ohio county?
Silver 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 Marketplace plan in Ohio?
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 Silver premiums in Ohio start at $377 a month before any subsidy.

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