Anthem leads Ohio’s best health insurance providers, standing out for shoppers who want a strong balance of affordability, coverage options and statewide access. SummaCare, Ambetter, Molina Healthcare and CareSource also rank among the top insurers in the state, with the best choice depending your age, budget, preferred network type and eligibility for subsidies.
Best Health Insurance in Ohio (2026)
Updated: December 29, 2025
Advertising & Editorial Disclosure
Key Takeaways
Anthem is Ohio’s leading health insurance provider, offering a strong balance of affordable premiums and broad coverage across all metal tiers.
SummaCare provides the cheapest health insurance in Ohio with Silver-tier HMO plans averaging $546 per month.
Compare quotes from multiple insurers, review coverage limits and deductibles and verify your doctors accept the plan before enrolling.
Best Health Insurance Companies in Ohio
| Anthem | $635 | $4,844 | $2,484 | 4.7 | Anthem Silver Pathway 5500 For Hsa |
| Summacare | $546 | $5,685 | $3,061 | 4.4 | Summacare Silver 3500 With 3 Free Pcp Visits + Adult Vision |
| Ambetter | $602 | $5,657 | $3,182 | 4.2 | Standard Silver |
| Molina Healthcare | $566 | $5,792 | $3,338 | 4.2 | Molina Silver Standard |
| Caresource | $668 | $5,407 | $3,040 | 4.2 | Hdhp Preventive Silver 5500 $0 Chronic Care Drugs |
| Medmutual | $692 | $5,641 | $2,861 | 4.1 | Silver $5,000 W/ Virtual & Wellness On-Ex |
| Antidote Health Plan Of Ohio, Inc. | $572 | $6,246 | $3,943 | 4.0 | Silver Standard |
| UnitedHealthcare | $715 | $5,988 | $2,561 | 4.0 | Uhc Silver Advantage+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision, No Referrals) |
| Paramount | $727 | $5,094 | $3,849 | 4.0 | Paramount Everyday Silver Nwo Oe |
| Oscar | $630 | $6,049 | $3,429 | 3.9 | Silver Classic Standard |
*Our picks reflect the best companies for 40-year-olds seeking Silver-tier HMO plans. Rates vary by age and coverage level.
Anthem
MoneyGeek Rating
4.7/ 5
4.6/5Affordability
5/5Deductible
5/5MOOP
Average Monthly Rate
$635Average MOOP
$4,844Average Deductible
$2,484
SummaCare
MoneyGeek Rating
4.4/ 5
5/5Affordability
3.9/5Deductible
3.3/5MOOP
Average Monthly Rate
$464Average MOOP
$9,800Average Deductible
$5,200
Ambetter
MoneyGeek Rating
4.2/ 5
4.7/5Affordability
3.7/5Deductible
3.3/5MOOP
Average Monthly Rate
$546Average MOOP
$5,685Average Deductible
$3,061
Best Ohio Health Insurance by Category
Use the comparison below to find the best health insurance in Ohio. Plans are grouped by age and network type to help you quickly identify the best options for your situation.
By Age:
- Teens (18): SummaCare HMO ($390 monthly), Anthem HMO ($453)
- Young adults (26): SummaCare HMO ($438 monthly), Anthem HMO ($508)
- Adults (40): SummaCare HMO ($546 monthly), Anthem HMO ($635)
- Seniors (60): SummaCare HMO ($1,160 monthly), Anthem HMO ($1,348)
By Network Type (40-year-olds):
- HMO: SummaCare leads at $546 monthly for Silver-tier coverage
- HSA-eligible: Anthem offers the best value at $664 monthly
SummaCare delivers the cheapest Silver-tier rates across all age groups in Ohio.
Compare Health Insurance Companies in Ohio
Health insurance costs in Ohio change based on your age, metal tier and provider choice. Monthly premiums, deductibles and out-of-pocket maximums differ widely between plans. The comparison below shows how these factors affect your options and HSA eligibility.
Data filtered by:
HMO
Silver
40
No
| Summacare | $546 | HMO | Silver | $5,685 | $3,061 | 40 | No |
| Molina Healthcare | $566 | HMO | Silver | $5,792 | $3,338 | 40 | No |
| Antidote Health Plan Of Ohio, Inc. | $572 | HMO | Silver | $6,246 | $3,943 | 40 | No |
| Ambetter | $602 | HMO | Silver | $5,657 | $3,182 | 40 | No |
| Oscar | $630 | HMO | Silver | $6,049 | $3,429 | 40 | No |
| Anthem | $635 | HMO | Silver | $4,844 | $2,484 | 40 | No |
| Caresource | $668 | HMO | Silver | $5,407 | $3,040 | 40 | No |
| Medmutual | $692 | HMO | Silver | $5,641 | $2,861 | 40 | No |
| UnitedHealthcare | $715 | HMO | Silver | $5,988 | $2,561 | 40 | No |
| Paramount | $727 | HMO | Silver | $5,094 | $3,849 | 40 | No |
*Some providers offer multiple plans of the same type and tier. Rates are based on company averages across all available plans for the given age, plan type and metal tier.
How to Find the Best Health Insurance in Ohio
Finding the right health insurance in Ohio comes down to comparing your coverage needs, checking insurer reputations and knowing your enrollment timeline.
Decide on your coverage needs before buying
Compare monthly premiums against out-of-pocket maximums based on how often you use health care. If you visit doctors frequently, plans with higher monthly costs but lower out-of-pocket limits often save money. For those who rarely need care, lower-premium plans with higher deductibles may work better. Review HMO, PPO and EPO plan types to understand network flexibility and referral requirements.
Compare company offerings and reputations
Research which plans insurers offer in your area and compare coverage terms, provider networks and benefits. Check company reputations through J.D. Power ratings and state complaint databases to assess claims handling and customer service quality before choosing a plan.
Shop around
Ohio health insurance rates vary based on age, plan type, coverage level and location. Open Enrollment runs from November 1 to January 15. Special Enrollment applies after qualifying life events like job loss, marriage, divorce, birth or losing existing coverage. Compare quotes from multiple insurers to find the best value.
Take advantage of federal programs and subsidies
Ohio residents may qualify for premium tax credits, cost-sharing reductions or $0 premium plans based on income and household size. Medicaid provides coverage for low-income individuals and families. Medicare-eligible residents can explore Medicare Supplement and Medicare Advantage plans for additional coverage options.
Average Health Insurance Cost in Ohio
HMO plans are the only network structure available in Ohio, so the cost of health insurance depends mainly on your location, age and metal tier. Bronze HMO plans average $464 monthly, while Silver plans cost $677 per month. Gold HMO coverage averages $758 monthly, though cheaper plans are available in the state.
| HMO | 464 | 512 | 677 | 758 |
*Average monthly premiums for 40-year-olds in Ohio by plan type. Rates vary by age and location.
Best Health Insurance in Ohio: Bottom Line
Anthem, Summacare and Ambetter lead Ohio's Silver-tier HMO market. The best plan for you depends on your age, health needs, budget and network preferences. Get quotes from several insurers and compare premiums, deductibles and out-of-pocket maximums to find your ideal coverage.
Best Ohio Health Insurance: FAQ
Here are common questions about the best health insurance in Ohio:
Is health insurance required in Ohio?
No, Ohio does not require residents to have health insurance. The state has no mandate or penalty for being uninsured. However, residents can still access federal subsidies through Healthcare.gov to make coverage more affordable. Common exemptions in other states include financial hardship and religious objections.
When is open enrollment in Ohio?
Ohio's open enrollment period for 2026 health coverage begins November 1, 2025, and ends January 31, 2026. You must select your plan by December 31, 2025, to start coverage on January 1, 2026.
Can you get free health insurance in Ohio?
Yes, Ohio residents can get free health insurance through Medicaid if they meet income requirements. Many others qualify for subsidies through Ohio's marketplace that reduce or eliminate monthly premiums, making coverage affordable for middle-income families.
How We Chose the Best Health Insurance in Ohio
Our ranking system evaluates health insurance plans based on three cost factors: premiums, deductibles and maximum out-of-pocket limits.
Scoring methodology:
- Monthly premium (60%): Plans with the cheapest average monthly costs earn the top ratings.
- Maximum out-of-pocket (MOOP) score (20%): MOOP is the most you'll pay for covered services in a year, not counting premiums. Insurers with lower MOOP limits receive higher ratings.
- Deductible (20%): This amount comes out of your pocket before insurance starts paying for covered care. Plans with smaller deductibles score better.
We standardized all scores within each filter group. The best-performing Silver HMO plan gets a 5.0 rating, with other plans scored relative to that top performer.
MoneyGeek examined every 2026 health plan offered in Ohio for people ages 18, 26, 40, 50 and 60. Premium costs shown reflect 40-year-old rates unless stated otherwise. Our analysis covers all available tiers: Catastrophic, Bronze, Expanded Bronze, Silver, Gold and Platinum.
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About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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.