Updated: December 22, 2025
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The most affordable health insurance options in Ohio are Summacare at $579 monthly, followed by Ambetter at $632 and Molina Healthcare at $637.
Summacare provides the most affordable health insurance across multiple demographics in Ohio, including adults, young adults, children, seniors and teens, as well as HMO plans at $579 monthly.
Ohio residents get the most affordable health insurance through Summacare at $579 monthly, delivering $112 in monthly savings compared to the state average. Ambetter follows as the second most affordable option at $632 monthly, while Molina Healthcare ranks third at $637 monthly.
Summacare's lower premiums come with higher deductibles and maximum out-of-pocket costs. For comprehensive comparisons, explore our guide to the cheapest health insurance.
| Summacare | $579 | $112 | $6,948 | $1,344 |
| Ambetter | $632 | $59 | $7,584 | $708 |
| Molina Healthcare | $637 | $54 | $7,644 | $648 |
| Antidote Health Plan Of Ohio, Inc. | $648 | $43 | $7,776 | $516 |
| Oscar | $685 | $6 | $8,220 | $72 |
| Anthem | $685 | $6 | $8,220 | $72 |
| Medmutual | $730 | $39 | $8,760 | $468 |
| UnitedHealthcare | $730 | $39 | $8,760 | $468 |
| Paramount | $767 | $76 | $9,204 | $912 |
| Caresource | $807 | $116 | $9,684 | $1,392 |
* We determine average monthly costs by rounding the mean of all monthly plan rates for each provider in Ohio. We calculate average monthly savings by comparing each provider's average rate against the statewide average to demonstrate the cost difference below the state benchmark.
Average Monthly Rate
Average MOOP
Average Deductible
When searching for the best health insurance provider, your personal rate depends on factors such as age, plan type and metal tier selection. You should see how monthly premiums balance against deductibles and out-of-pocket limits.
Summacare provides the most affordable rates across most demographics, but these lower premiums come with higher deductibles and maximum out-of-pocket costs.
| Children | Summacare | $327 | $3,922 | $5,685 | $3,061 |
| Teens | Summacare | $390 | $4,681 | $5,685 | $3,061 |
| Young Adults | Summacare | $438 | $5,250 | $5,685 | $3,061 |
| Adults | Summacare | $546 | $6,553 | $5,685 | $3,061 |
| Seniors | Summacare | $1,160 | $13,916 | $5,685 | $3,061 |
| HMO | Summacare | $546 | $6,553 | $5,685 | $3,061 |
| With Health Savings Account Eligibility | Anthem | $664 | $7,964 | $5,267 | $5,267 |
* These are average rates for all plan types and metal levels, with teens at 18 years old, young adults at 26 years old, adults at 40 years old and seniors at 60 years old. For plan type costs, we used average rates for 40-year-olds.
For 40-year-olds in Ohio, Bronze plans start at $433 monthly with Summacare, while Antidote Health Plan Of Ohio, Inc. provides Expanded Bronze at $442 per month.
Summacare also offers affordable Silver coverage at $546 monthly, and Ambetter offers Gold plans for $615 per month with a $1,163 deductible. There are no Platinum-tier plans available in Ohio.
| Bronze | Summacare | $433 | $5,193 | $7,950 | $6,000 |
| Expanded Bronze | Antidote Health Plan Of Ohio, Inc. | $442 | $5,299 | $7,860 | $6,135 |
| Silver | Summacare | $546 | $6,553 | $5,685 | $3,061 |
| Gold | Ambetter | $615 | $7,375 | $6,213 | $1,163 |
Using comprehensive Ohio data, we've identified plans that match your specific budget and situation.
When shopping for cheap health insurance, multiple factors affect your rate, including age, plan type, metal level and coverage needs. We've collected statewide data for Ohio to help you filter options based on your needs.
| Oscar | Silver Classic Standard | $526 | HMO | Silver | $5,657 | $3,100 | 40 | No |
| Oscar | Silver Simple Pcp Saver | $527 | HMO | Silver | $6,161 | $3,400 | 40 | No |
| Oscar | Silver Simple Diabetes | $527 | HMO | Silver | $6,143 | $3,557 | 40 | No |
| Oscar | Silver Simple Breathe Easy With Enhanced Copd Benefits | $528 | HMO | Silver | $5,957 | $3,571 | 40 | No |
| Oscar | Silver Simple Chronic Care Ckm | $533 | HMO | Silver | $6,200 | $3,429 | 40 | No |
| Antidote Health Plan Of Ohio, Inc. | Silver Complete 4 $0 Tier-1 Pcp Visits, $0 Antidote 24/7 Virtual Pcp/Urg/Chronic Care, $0 Core Rx | $533 | HMO | Silver | $6,393 | $4,400 | 40 | No |
| Oscar | Silver Elite Saver Plus | $534 | HMO | Silver | $6,007 | No Data | 40 | No |
| Oscar | Silver Simple Women'S Health With Menopause Benefits | $537 | HMO | Silver | $6,221 | $3,517 | 40 | No |
| Summacare | Summacare Silver 5000 1000 Rx With 3 Free Pcp Visits | $539 | HMO | Silver | $5,564 | No Data | 40 | No |
| Summacare | Summacare Silver 7000 With 3 Free Pcp Visits | $540 | HMO | Silver | $5,493 | $3,719 | 40 | No |
The following tips will help you find cheap coverage.
Don't automatically pick the lowest-premium Bronze plan available. While it seems budget-friendly upfront, you might pay more when you need care. Gold and Silver plans often deliver better value through lower deductibles and reduced out-of-pocket maximums, especially if you visit doctors regularly or take prescription medications.
Calculate what you actually spent on medical care last year to guide your decision. If your total was around $800 for three doctor visits and some lab work, a high-deductible plan with a $7,000 deductible could save you $120 monthly compared to a premium Gold plan option.
HMO plans deliver lower monthly premiums than PPO alternatives throughout Ohio. You'll need to choose doctors within their specific network and get referrals for specialists, but these limitations can reduce your insurance costs by hundreds of dollars annually if you're comfortable with the structure.
Premium tax credits through the Health Insurance Marketplace can reduce your monthly payments based on household income. Families earning up to four times the federal poverty level may qualify for financial assistance, so check your eligibility before buying any plan directly from insurers.
Open enrollment gives you access to the most plan choices and competitive pricing. Missing this annual window forces you to wait until next year unless you experience a qualified life event like marriage, job loss or moving that triggers special enrollment eligibility.
Verify your preferred doctors and hospitals accept the insurance plan before enrolling. Network restrictions vary between insurers in Ohio, and switching plans later requires waiting for the next enrollment period. Call your doctor's office directly to confirm they participate in your chosen plan's network.
For Ohio residents, Summacare provides the most affordable rates across multiple coverage options. Both Ambetter and Molina Healthcare round out the top three with competitive pricing throughout different metal levels.
These providers have low premiums statewide; however, your optimal rate is determined by comparing different plans and metal levels.
Find answers to the most common health insurance questions for Ohio residents:
During open enrollment, compare plans across multiple metal tiers from companies such as Summacare, Ambetter and Molina Healthcare. Consider HMO plans for lower rates and check if you qualify for premium tax credits through the Health Insurance Marketplace. Balance monthly premiums against deductibles based on your expected healthcare needs.
In Ohio, health insurance averages $697 monthly or $8,367 annually across all plan types and metal levels. Monthly premiums span from $232 to $2,127 varying by age, chosen coverage tier and plan type.
Ohio does not require residents to carry health insurance. Going without coverage leaves you vulnerable to medical expenses. It means you'll miss the annual Open Enrollment Period to obtain marketplace plans with potential premium tax credits and cost-sharing reductions.
We gathered plan information from the federal health insurance marketplace for consumers aged 18 to 60, focusing on costs for 18, 26, 40, 50 and 60-year-olds. Our cheapest overall rankings prioritize 40-year-old monthly premiums since this age group is the most common demographically and provides a clear comparison.
Age-specific rankings reflect their respective premium costs. Lower premiums often come with higher deductibles and out-of-pocket maximums, so you'll face greater expenses when receiving medical care.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
