Health insurance in Ohio, 2027
Ohio uses HealthCare.gov and expanded Medicaid. In 2027, Medicaid for many adults comes with work rules.
Last checked October 16, 2026 · Written by licensed advisors · Sources are numbered and listed under Notes and sources
Ohio uses HealthCare.gov
Ohio has no state marketplace of its own: Ohioans shop for plans and apply for a tax credit on HealthCare.gov. For 2026 coverage, 469,616 of them picked a Marketplace plan during open enrollment.12
- Marketplace
- HealthCare.gov
- 2026 plan selections
- 469,616
- Medicaid expansion adults
- 774,342 (July 2025)
The dates for 2027
Open enrollment for 2027 coverage runs from November 1, 2026 to January 15, 2027. Choose a plan by December 15 for coverage that starts January 1, 2027.3
- November 1, 2026Open enrollment for 2027 starts (key step)
- December 15Last day to choose a plan that starts January 1 (key step)
- January 15, 2027Open enrollment ends
- February 1, 2027Coverage starts for plans chosen December 16 to January 15
Heads up: Choose a plan after December 15 and it starts February 1, not January 1. If nothing else covers you in January, that is a month without coverage.
Ohio’s expansion group, by the numbers
Ohio calls its Medicaid expansion adults Group VIII: adults 19 to 64 with income under 138% of the poverty level, $22,025 for one person, who don’t qualify for Medicaid another way. In July 2025 that was 774,342 Ohioans.
Above 138%, a Marketplace tax credit usually takes over, up to 4 times the poverty level.24
Work rules: Ohio wrote its own first
Who it affects: Ohio Medicaid expansion adults aged 19 to 64.
Ohio passed its own work requirement for the expansion group in House Bill 33 in July 2023 and asked CMS to approve it in February 2025. The federal law passed in July 2025 now requires work rules for expansion adults nationwide, and Ohio is aligning the two.
Ohio’s own count shows most of the group already meets the rules through work, age or a medical exemption. About 1 in 5 will need to be assessed.2
A family of three
For a family of three, Ohio Medicaid for the adults reaches about $37,700 a year, and children qualify up to about $57,600.45
Help from a licensed agency
Our agency is licensed in Ohio, and we work with Ohioans by phone and video, from our Chicago office. We compare the plans in your county and show you what to keep in mind on each one, at no cost to you.6
Related guides
Obamacare Hotline and/or Medicare Po Polsku are private companies not affiliated with any local, state, or federal government agency. This guide is general information, not tax or legal advice.