Ohio health insurance plans
How individual and family health coverage works in Ohio, in plain language.
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.
ACA Open Enrollment is open now
Open enrollment is on, and deadlines vary, so don't wait. Call and we'll help you find the right Ohio plan.
Where Ohio residents shop
Ohio residents who buy their own coverage shop on HealthCare.gov (federal Marketplace) at www.healthcare.gov/ohio/. That is also where income-based help with monthly premiums (premium tax credits) is applied. Enrollment follows the federal HealthCare.gov calendar.
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.
Enrolling
Open enrollment dates are set by the marketplace and can change from year to year, so confirm this year’s window on the marketplace site before you plan around it. Outside open enrollment you generally need a qualifying life event, such as losing other coverage, moving, or a change in household size.
What affects the plans you see
- Where you live. Plans and premiums are set by area within Ohio, so your county matters. Find your county.
- Income and household size. These determine help with premiums and whether you may qualify for Medicaid instead.
- Plan level. Metal levels (Bronze, Silver, Gold, Platinum) trade a lower monthly premium against higher costs when you use care.
Ohio Medicaid is administered by the Ohio Department of Medicaid -- that agency, not the federal Marketplace, is the right place to start if your Ohio Medicaid eligibility changed.
Ohio does not run its own ACA exchange, so Ohio marketplace shopping and subsidy questions go through the federal HealthCare.gov Marketplace.
Free Medicare counseling is available in Ohio through OSHIIP (Ohio Senior Health Insurance Information Program) at 1-800-686-1578, run by the Ohio Department of Insurance and separate from Ohio Health Insurance's own free phone help.
Questions
Where do I shop for ACA health plans in Ohio?
Ohio residents shop through HealthCare.gov (federal Marketplace) (https://www.healthcare.gov/ohio/). An independent agent such as Lander LLC can explain the plans for you, but the marketplace is the only place premium tax credits are applied.
How do I apply for Medicaid in Ohio?
Medicaid in Ohio is run through Ohio Department of Medicaid (https://medicaid.ohio.gov). Eligibility depends on income, household size and other factors, and it is decided by the state, not by an insurance agency.
Who regulates insurance in Ohio?
Ohio Department of Insurance (ODI) (https://insurance.ohio.gov/consumers) regulates insurance companies and agents in Ohio. You can use it to check that an agent or company is licensed and to file a complaint.
Is there free, unbiased Medicare help in Ohio?
Yes. OSHIIP (Ohio Senior Health Insurance Information Program) (1-800-686-1578) offers free Medicare counseling through the State Health Insurance Assistance Program (SHIP), separate from any insurance agency.
Does Ohio Health Insurance cost anything to use?
There is no cost to call or to speak with an agent. Insurance premiums and plan costs are set by the insurance companies and are separate from our help.
Questions about Ohio health plans? 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 timeReviewed 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.