Kettering, Ohio: health insurance
Kettering is in Montgomery County. Here is what Kettering residents should know about coverage.
Medicaid is a government program that gives free or low-cost health coverage to people with limited income, such as some adults, children, pregnant women, seniors and people with disabilities. Each state runs its own Medicaid program and decides who qualifies. We are an independent insurance agency, and we cannot enroll you in Medicaid or check your Medicaid.
Ohio Medicaid: Ohio Department of Medicaid · 1-800-324-8680 (Ohio Medicaid Consumer Hotline) · medicaid.ohio.gov
If your income is too high for Medicaid, or you want to compare health plans, call us. We can help with that.
Coverage in Kettering
Kettering has about 56,876 residents (U.S. Census Bureau 2023 estimate).
Plans for Kettering residents are determined by Montgomery County, home to about 533,796 people (2023 estimate). Medicare Advantage plans and marketplace plans are offered by area, so use your ZIP code when you compare, and make sure a plan covers Montgomery County before you choose it.
- Turning 65 in Kettering? Your Initial Enrollment Period runs seven months around your birthday. OSHIIP (Ohio Senior Health Insurance Information Program) offers free counseling at 1-800-686-1578.
- Buying your own plan? Shop through HealthCare.gov (federal Marketplace).
- Medicaid questions? Ohio Department of Medicaid handles applications.
Ohio note: Ohio's Medicare counseling program, OSHIIP, is run directly by the state insurance regulator rather than a separate aging agency, so the Ohio Department of Insurance is a useful single point of contact for both Medicare questions and general insurance complaints.
Medicare plans leaving Montgomery County for 2027
Medicare plans are set by county, so this applies to residents of this city. 34 plans are listed in Montgomery County for 2026 but not for 2027, covering at least 12,009 people.
| Plan going away | Company | People enrolled (at least) |
|---|---|---|
| UHC Dual Complete OH-S2 (HMO D-SNP) H1285-001 | UnitedHealthcare | 2,755 |
| UHC Dual Complete OH-D001 (HMO D-SNP) H5253-059 | UnitedHealthcare | 2,497 |
| AARP Medicare Advantage from UHC OH-0003 (HMO-POS) H5253-109 | UnitedHealthcare | 1,639 |
| Aetna Medicare Dual Care (HMO D-SNP) H0628-013 | Aetna (CVS Health) | 718 |
| Humana Gold Plus SNP-DE H6622-087 (HMO D-SNP) H6622-087 | Humana | 679 |
| HumanaChoice Giveback H7617-003 (PPO) H7617-003 | Humana | 662 |
See all 34 plans leaving Montgomery County →
Looking for your own plan? Find your company and plan →
A plan can be listed because it was renumbered or replaced, not only because a company is leaving the county. When the same company keeps other plans there, members are usually moved to a replacement plan. Your plan should send you a notice, and Medicare’s Annual Enrollment Period (October 15 to December 7) is when you can compare and switch. “People enrolled” is the number enrolled in that plan today (CMS hides counts of 10 or fewer). Source: CMS Medicare Advantage and Part D landscape files for 2026 and 2027, and CMS enrollment data from September 2026.
Colleges and universities near Kettering
Ohio public institutions include The Ohio State University, University of Cincinnati, Ohio University. Students and employees at these schools should check their school’s student health or benefits office, because campus plans and employer plans work differently from individual coverage. More about Ohio colleges.
Do Kettering and Montgomery County have the same plans?
Plans are offered by service area, and Kettering falls under Montgomery County. A plan that serves Montgomery County is generally the one that applies to you.
Do I have to enroll if I call?
No. A call is a conversation about your options.
Kettering residents: call 855-367-1095
Call Lander LLC to go over your options. There is no cost to call or to speak with an agent, and you are never required to enroll in anything.
Call 855-367-1095 Open 8 AM-10 PM Eastern timeOther major Ohio cities
Reviewed by Richard Lander, licensed insurance agent (NPN 21255551), Lander LLC. Last updated October 3, 2026. This page is educational and is not a quote, an offer of coverage, or legal or tax advice.