Best Cheap Health Insurance in Ohio (2024)

With rates as low as $398 per month, the Molina Silver 8 plan is the best cheap health insurance in Ohio for 2024.

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Molina also has the cheapest Gold plan in the state, and SummaCare has the cheapest Bronze plan. The Silver 8 plan is the best cheap option in Cleveland, Cincinnati and Toledo. But if you live in Columbus, Ohio's biggest city, the Silver Simple PCP Saver plan from Oscar is the best cheap option.

Health insurance in Ohio costs $535 per month, on average, for a 40-year-old with a Silver plan.

UnitedHealthcare (UHC) is the best health insurance company in Ohio. ValuePenguin's editors give it a rating of 4 out of 5 stars based on its high plan quality, cheap average rates and good customer satisfaction.

How much does health insurance cost in Ohio?

The average cost of health insurance in Ohio is $535 per month for a 40-year-old with a Silver plan. These plans are a good guide for average rates because they provide a good amount of coverage at an affordable rate. The amount you pay will be different based on the plan tier you choose and your age.

Health insurance rates in Ohio by plan tier and age

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Seniors tend to pay more than younger people for health insurance, because their age makes them more likely to need costly medical care. In Ohio, a 60-year-old pays more than twice as much for a plan than a 40-year-old, no matter what level of coverage they choose.

Cheapest health insurance in Ohio

The best cheap health insurance in OH is the Silver 8 plan by Molina. This is the cheapest Silver plan in the state, and it offers a good balance between coverage and monthly price.

You may be able to get an even cheaper plan if you qualify for premium tax credits. These discounts lower the cost of your health insurance based on your income. Many people who qualify for subsidies find a plan that costs $10 or less per month.

Cheapest plan
Monthly cost
Catastrophic MedMutual Young Adult Essentials $211
Bronze SummaCare Bronze 8000 $319
Silver Molina Silver 8 $398
Gold Molina Gold 1 $445

Monthly costs are for a 40-year-old.


When you're shopping for health insurance, it's a good idea to think about the total cost of your health care and not just the monthly rate of a plan. Catastrophic and Bronze plans are cheaper each month than Silver or Gold plans. But they also require you to pay for more of your medical care, so they might not be the cheapest options overall. If you go to the doctor often, a Silver or Gold plan is likely a better choice.

Finding your best health insurance coverage in Ohio

To pick the best health insurance plan, think about your medical needs and your monthly budget. These are part of the overall cost of medical care, so it's important to consider both of them.

If your budget is tight, for example, you might be tempted to choose a Bronze or Catastrophic plan for the low monthly rate. But if you go to the doctor often, the portion of medical bills that you have to pay could outweigh the savings. Generally, you should choose a plan level based on your medical needs and then search for a good rate from within that plan level.

Gold plans: Best for expensive medical needs

Gold plans give you the highest level of coverage, which means you pay less for your medical care. They also come with the highest monthly cost. But if you go to the doctor often or have a complex medical condition to manage, the lower out-of-pocket costs for health care can make up for the higher monthly cost.

Silver plans: Best for average medical needs

Silver plans are the best for most people, since they give you good coverage and a good rate. You'll likely have to pay more before your benefits kick in than you would with a Gold plan, because Silver plans usually have higher health insurance deductibles. But if you have typical medical care needs, the lower monthly rate can offset the higher deductible.

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Even if you have expensive or complex medical needs, a Silver plan can be a good choice. That's because they're the only plan level that qualifies for discounts, also called cost-sharing reductions (CSRs), on the deductibles, coinsurance and copays. If you qualify for CSRs, you could get a Silver plan that has benefits similar to a Gold plan but at a lower rate.

To qualify, you have to make less than about $36,000 per year as a single person or $75,000 per year as a family of four. If you make a low enough amount to qualify for CSRs, you also qualify for the subsidy to lower your monthly rate.

Bronze and Catastrophic plans: Best for few medical needs

Bronze and Catastrophic plans have the cheapest rates but the highest deductibles, coinsurance and copays. That means you have to pay more when you get medical care. These plans might be good if you only rarely need care. But you should have emergency savings to pay for a large portion of your medical bills if something serious happens, like surgery or a hospital stay.

You can only buy a Catastrophic plan if you are under 30 or meet other requirements. And Catastrophic plans don't qualify for Obamacare tax credits, also called subsidies, so you won't be able to lower your monthly rate based on your income.

Medicaid: Best for low-income households

Ohio Medicaid is a good option if you have a low income. Medicaid is a government health insurance plan that helps people with low incomes get health coverage. To qualify for Ohio Medicaid, you can't have an annual income higher than around $20,000 for an individual or $41,000 for a family of four. You might be able to qualify with a higher income if you are pregnant, are under age 19 or have breast or cervical cancer.

Are health insurance rates going up in Ohio?

Health insurance is getting more expensive in Ohio, although rate increases aren't as high as in some other states. Bronze and Silver plans, which are the most popular plan tiers in the state, both cost $22 more per month in 2024 than they did in 2023.

Change (2023 vs. 2024)
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Monthly costs are for a 40-year-old.

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Best cheap health insurance companies in Ohio

UnitedHealthcare is the best health insurance company in Ohio.

UHC has low average rates, good customer satisfaction and high-quality health insurance plans. Oscar is also a good choice, although it only sells plans in and around Columbus and Cleveland.

Best health insurance companies in OH

UnitedHealthcare logo
Oscar logo
Oscar Health
Oscar logo
Oscar Insurance Corp.
Anthem logo
CareSource logo
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Average monthly cost for a 40-year-old buying a Silver plan in OH. Ratings are based on editor reviews of the company.

Paramount has the highest rating of any company in Ohio, with a perfect 5-star score. However, its average rates are expensive, and it is only available in northeast Ohio.

Cheapest health insurance plan by Ohio county

The health insurance companies and plans available to you change based on where you live. The Silver 8 plan from Molina is the cheapest Silver plan in Ohio, and it's the cheapest in many of the state's biggest cities, including Cleveland, Cincinnati and Toledo.

If you live in Columbus, Ohio's state capital and the largest city, the cheapest Silver plan is the Silver Simple PCP Saver from Oscar.

Cheapest plan
Monthly rates
AdamsMolina Silver 8$433
AllenMolina Silver 8$455
AshlandAmbetter Standard Silver$443
AshtabulaMolina Silver 8$398
AthensMolina Silver 8$473
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Cheapest Silver plan with rates for a 40-year-old

Average cost of health insurance by family size in Ohio

The more people you insure on your health insurance plan, the more you'll pay each month. Adding a spouse adds about $535 per month to a Silver plan.

Children under 14 are cheaper to insure, adding about $320 per month per child. Children 14 and under are charged a flat rate, which means the cost of their health insurance doesn't go up each year. After age 14, the monthly rate to insure a child increases each year as they age.

Family size
Average cost
Individual and child$855
Couple, age 40$1,070
Family of three (adult couple and a child)$1,390
Family of four (adult couple and two children)$1,711
Family of five (adult couple and three children)$2,031

Average cost of health insurance in Ohio by plan type

In Ohio, you can choose between two types of health insurance plans: HMOs and PPOs.

  • HMO plans require you to have a primary care doctor and get referrals to see specialists. You have to use in-network doctors to have coverage. Going outside the network for medical care means you have to pay the entire bill.
  • PPO plans give you more flexibility when getting medical care. You don't need a primary care doctor or referrals to see a specialist. You can also go to any medical office and still have coverage, although you'll pay a higher share of the bill at out-of-network offices.

PPOs are usually more expensive because they give you more flexibility. But in Ohio, PPOs cost $25 less per month, on average, than HMO plans.


Monthly costs are for a 40-year-old.

However, only AultCare sells PPO plans in Ohio. If AultCare doesn't have a plan that fits your needs, you'll have to choose an HMO option from another company.

Short-term health insurance in Ohio

Short-term health insurance plans in Ohio can last for a year but can't be continued after that. However, these plans don't usually give you the same coverage as a plan from

If you need a plan for a few months — if you're between jobs, for example — a short-term plan could be a good idea. Otherwise, it might make more sense to buy a plan from Remember that most people qualify for subsidies for their monthly rate that lower the cost of a plan. You might find that you can get a lower rate for more coverage than you would get with a short-term health plan.

Frequently asked questions

What is the best health insurance in Ohio?

Overall, UHC is the best health insurance company in Ohio. UHC typically has low rates, good coverage and good service. But the best company and plan for you depend on where you live, what your medical needs are and how much you want to spend each month.

What is the average cost of health insurance in Ohio?

Health insurance costs an average of $535 per month in Ohio for a 40-year-old with a Silver plan. While average rates can be helpful, your rate will likely be different. Rates are based on your age, where you live, the amount of coverage you need, how many people you insure, whether you smoke or use tobacco and the health insurance company you choose.

How do I get health insurance in Ohio?

To get health insurance in Ohio, you apply through the federal health insurance exchange at After you create an account, you can search for the plans in your area using your ZIP code. Use the filter feature to find the plans that fit your needs, like coverage for any prescription medication you take.


Health insurance rates and plan information for 2024 were compiled from the Centers for Medicare & Medicaid Services (CMS) government website. ValuePenguin used the public use files (PUFs) to calculate averages by plan tier, age, family size and county to understand the health insurance marketplace within Ohio. Plans and providers for which county-level data was included in the CMS Crosswalk file were used in this analysis; those excluded from this data set may not appear.

Editorial note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.