UnitedHealthcare provides Ohio's cheapest overall health insurance, with an average monthly premium of $363. Availability can vary, so check out SummaCare, Ambetter, Paramount and MedMutual for affordable health plans.
Most Affordable Health Insurance in Ohio
Updated: June 9, 2025
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Key Takeaways
UnitedHealthcare provides Ohio's most affordable health insurance, saving policyholders an average of $250 per month compared to the state average.
Aultcare offers top-rated full coverage Platinum plans, with pricing starting at $1,091 monthly.
Finding the cheapest health insurance starts with selecting a coverage level within your budget, checking your subsidy eligibility and comparing plans from several companies.
Most Affordable Health Insurance Companies in Ohio
| UnitedHealthcare | $363 | $250 |
| SummaCare | $377 | $236 |
| Ambetter | $465 | $148 |
| Paramount | $560 | $53 |
| MedMutual | $598 | $15 |
*These plans reflect rates for 40-year-olds who aren't considered low-income.
Cheapest Ohio Health Insurance Plans by Profile
While we've summarized the cheapest companies for most in Ohio, the most affordable plan for you will differ widely depending on your desired coverage tier and age. Below are the cheapest companies by category for most in the area:
- Cheapest for Young Adults: MedMutual ($343 monthly)
- Cheapest for Seniors: MedMutual ($909 monthly)
- Cheapest Catastrophic Plan: MedMutual ($272 monthly)
- Cheapest Expanded Bronze Plan: MedMutual ($319 monthly)
- Cheapest Bronze Plan: SummaCare ($386 monthly)
- Cheapest Silver Plan: MedMutual ($428 monthly)
- Cheapest Gold Plan: Ambetter ($478 monthly)
- Cheapest Full Coverage (Platinum Plan): Aultcare ($1,091 monthly)
While these are a good measure of the most affordable plans, they only represent the cheapest for 40-year-olds (26-year-olds for young adults and 60 for seniors), and your cheapest company and plan may differ for your profile. So below, we've created a filterable table that you can modify by plan tier and age to find your lowest rate match.
Data filtered by:Results filtered by:
Select
Plan Level:Silver
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Age:40
| MedMutual | Silver Standard w/ Virtual & Wellness (CLE-Care) | $428 | $126 | $8,000 |
Cheapest Health Insurance Plans by County in Ohio
While UnitedHealthcare is the cheapest provider overall, other providers stand out in affordability and availability for Silver plans in different counties. Below, you can review which company and plan are most affordable in your area.
| Adams | Oscar | $418 | Silver Simple PCP Saver |
| Allen | Molina | $398 | Silver 8 |
| Ashland | SummaCare | $414 | SummaCare Silver 7000 with 3 Free PCP Visits |
| Ashtabula | Molina | $398 | Silver 8 |
| Athens | Oscar | $418 | Silver Simple PCP Saver |
| Auglaize | Molina | $398 | Silver 8 |
| Belmont | Oscar | $418 | Silver Simple PCP Saver |
| Brown | Oscar | $418 | Silver Simple PCP Saver |
| Butler | Oscar | $418 | Silver Simple PCP Saver |
| Carroll | Molina | $398 | Silver 8 |
| Champaign | Anthem (BCBS) | $439 | Anthem Silver Pathway HMO 5800/40% Standard |
| Clark | Anthem (BCBS) | $439 | Anthem Silver Pathway HMO 5800/40% Standard |
| Clermont | Oscar | $418 | Silver Simple PCP Saver |
| Clinton | Oscar | $418 | Silver Simple PCP Saver |
| Columbiana | Molina | $398 | Silver 8 |
| Coshocton | Oscar | $418 | Silver Simple PCP Saver |
| Crawford | CareSource | $432 | CareSource Marketplace Silver |
| Cuyahoga | Molina | $398 | Silver 8 |
| Darke | Anthem (BCBS) | $439 | Anthem Silver Pathway HMO 5800/40% Standard |
| Defiance | Aetna | $439 | Silver 5: Aetna network of doctors & hospitals + $0 MinuteClinic + $0 CVS Health Virtual Care 24/7 |
| Delaware | Oscar | $418 | Silver Simple PCP Saver |
| Erie | UnitedHealthcare | $444 | UHC Silver Advantage |
| Fairfield | Oscar | $418 | Silver Simple PCP Saver |
| Fayette | Oscar | $418 | Silver Simple PCP Saver |
| Franklin | Oscar | $418 | Silver Simple PCP Saver |
| Fulton | Aetna | $439 | Silver 5: Aetna network of doctors & hospitals + $0 MinuteClinic + $0 CVS Health Virtual Care 24/7 |
| Gallia | Molina | $398 | Silver 8 |
| Geauga | Molina | $398 | Silver 8 |
| Greene | Anthem (BCBS) | $439 | Anthem Silver Pathway HMO 5800/40% Standard |
| Guernsey | Oscar | $418 | Silver Simple PCP Saver |
| Hamilton | Oscar | $418 | Silver Simple PCP Saver |
| Hancock | Molina | $398 | Silver 8 |
| Hardin | Molina | $398 | Silver 8 |
| Harrison | Oscar | $418 | Silver Simple PCP Saver |
| Henry | Aetna | $439 | Silver 5: Aetna network of doctors & hospitals + $0 MinuteClinic + $0 CVS Health Virtual Care 24/7 |
| Highland | Oscar | $418 | Silver Simple PCP Saver |
| Hocking | Oscar | $418 | Silver Simple PCP Saver |
| Holmes | Molina | $398 | Silver 8 |
| Huron | UnitedHealthcare | $444 | UHC Silver Advantage |
| Jackson | Molina | $398 | Silver 8 |
| Jefferson | Oscar | $418 | Silver Simple PCP Saver |
| Knox | Oscar | $418 | Silver Simple PCP Saver |
| Lake | Molina | $398 | Silver 8 |
| Lawrence | Molina | $398 | Silver 8 |
| Licking | Oscar | $418 | Silver Simple PCP Saver |
| Logan | Oscar | $418 | Silver Simple PCP Saver |
| Lorain | Molina | $398 | Silver 8 |
| Lucas | Aetna | $439 | Silver 5: Aetna network of doctors & hospitals + $0 MinuteClinic + $0 CVS Health Virtual Care 24/7 |
| Madison | Oscar | $418 | Silver Simple PCP Saver |
| Mahoning | Molina | $398 | Silver 8 |
| Marion | Molina | $398 | Silver 8 |
| Medina | SummaCare | $414 | SummaCare Silver 7000 with 3 Free PCP Visits |
| Meigs | Oscar | $418 | Silver Simple PCP Saver |
| Mercer | Molina | $398 | Silver 8 |
| Miami | Anthem (BCBS) | $439 | Anthem Silver Pathway HMO 5800/40% Standard |
| Monroe | Oscar | $418 | Silver Simple PCP Saver |
| Montgomery | Anthem (BCBS) | $439 | Anthem Silver Pathway HMO 5800/40% Standard |
| Morgan | Oscar | $418 | Silver Simple PCP Saver |
| Morrow | Molina | $398 | Silver 8 |
| Muskingum | Oscar | $418 | Silver Simple PCP Saver |
| Noble | Oscar | $418 | Silver Simple PCP Saver |
| Ottawa | UnitedHealthcare | $444 | UHC Silver Advantage |
| Paulding | Molina | $398 | Silver 8 |
| Perry | Oscar | $418 | Silver Simple PCP Saver |
| Pickaway | Oscar | $418 | Silver Simple PCP Saver |
| Pike | Molina | $398 | Silver 8 |
| Portage | SummaCare | $414 | SummaCare Silver 7000 with 3 Free PCP Visits |
| Preble | Anthem (BCBS) | $439 | Anthem Silver Pathway HMO 5800/40% Standard |
| Putnam | Molina | $398 | Silver 8 |
| Richland | CareSource | $432 | CareSource Marketplace Silver |
| Ross | Molina | $398 | Silver 8 |
| Sandusky | UnitedHealthcare | $444 | UHC Silver Advantage |
| Scioto | Molina | $398 | Silver 8 |
| Seneca | UnitedHealthcare | $444 | UHC Silver Advantage |
| Shelby | Anthem (BCBS) | $439 | Anthem Silver Pathway HMO 5800/40% Standard |
| Stark | Molina | $398 | Silver 8 |
| Summit | SummaCare | $414 | SummaCare Silver 7000 with 3 Free PCP Visits |
| Trumbull | Molina | $398 | Silver 8 |
| Tuscarawas | Oscar | $418 | Silver Simple PCP Saver |
| Union | Oscar | $418 | Silver Simple PCP Saver |
| Van Wert | Molina | $398 | Silver 8 |
| Vinton | Molina | $398 | Silver 8 |
| Warren | Oscar | $418 | Silver Simple PCP Saver |
| Washington | Oscar | $418 | Silver Simple PCP Saver |
| Wayne | Molina | $398 | Silver 8 |
| Williams | Aetna | $439 | Silver 5: Aetna network of doctors & hospitals + $0 MinuteClinic + $0 CVS Health Virtual Care 24/7 |
| Wood | Aetna | $439 | Silver 5: Aetna network of doctors & hospitals + $0 MinuteClinic + $0 CVS Health Virtual Care 24/7 |
| Wyandot | UnitedHealthcare | $444 | UHC Silver Advantage |
How to Find the Cheapest Health Insurance in Ohio
Follow these steps to find affordable health insurance in Ohio:
- 1
Determine what coverage plan you need and can afford
Your coverage plan type and tier will differ widely depending on your personal health circumstances and income. Calculate how much income you can set aside for monthly premiums, considering your current health and risk for injury or disease based on location, age and lifestyle.
- 2
Find out your subsidy eligibility
People earning between $14,580 and $54,000 may qualify for premium tax credits, reducing costs by 40% to 100%. Those with incomes below 250% of the Federal Poverty Level ($36,450) can access cost-sharing reductions, decreasing out-of-pocket expenses up to 73%.
- 3
Consider federal programs if old enough
If you are eligible, explore Medicare Advantage plans and Medicare Supplement plans. These programs are often more affordable than traditional health insurance and offer more flexible coverage options.
- 4
Review prescription formularies
Review prescription coverages for medications you regularly take. Some insurers place common medications on lower tiers with reduced copays compared to competitors, potentially saving you hundreds annually.
- 5
Compare plans during Open Enrollment
The Open Enrollment period is from November 1 to January 15, with Special Enrollment options available for life changes like job loss or new children. During this time, weigh factors like coverage types, customer feedback, pricing and network compatibility to find the best plan.
MONEYGEEK TIP: MAKE SURE TO APPLY PROMPTLY
To avoid technical issues, apply for coverage at least five days before the enrollment deadline. Prepare your income verification, Social Security numbers and immigration documents to ensure a smooth application process.
Most Affordable Health Insurance in Ohio: Bottom Line
Ohio's most affordable health insurance companies are UnitedHealthcare, SummaCare, Ambetter, Paramount and MedMutual. While we recommend these options, you should compare as many plan types and tier quotes as possible from multiple companies to get the best deal.
Cheap Ohio Health Insurance: FAQ
Below are frequently asked questions about finding affordable health insurance in Ohio:
What is the cheapest health insurance in Ohio?
UnitedHealthcare offers the cheapest health insurance in Ohio, with Silver plans starting at $363 per month for 40-year-olds. Consider MedMutual, SummaCare, Ambetter and Paramount, depending on your income and preferences.
What are the downsides of a cheap health insurance plan?
Compared to higher-priced plans, cheap health insurance has higher out-of-pocket costs, including deductibles and copays. More expensive plans reduce out-of-pocket expenses and offer more extensive health care coverage.
How We Decided the Cheapest Health Insurance Companies in Ohio
MoneyGeek obtained data directly from the Centers for Medicare and Medicaid Services (CMS) on available health insurance plans in Ohio based on consumers aged 18, 26, 40, 50 and 60.
We considered the cheapest overall to be those with the lowest monthly premium costs for 40-year-olds, as most in the state are near this age demographic, and for simplicity. However, cheaper plans tend to have higher out-of-pocket maximums and deductibles, meaning you may pay more if you receive 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.