Health Insurance in Columbus, Ohio
Columbus keeps adding residents, and plenty of them work for themselves: consultants who left a corporate job in Dublin, contractors building new subdivisions toward Delaware County, and couples running a small shop in Clintonville. Working from Tampa, licensed broker Frank Caballero sits down with Central Ohio households over a phone or video call, in English or Spanish, to sort through the choices. Ohio finalized its individual-market rates at about 16.3 percent higher for 2027, so a fresh comparison before renewing is worth the half hour.
Columbus at a glance
- Where Columbus buys Marketplace plans: HealthCare.gov, the federal Marketplace
- Open enrollment for 2027 coverage: November 1, 2026 to January 15, 2027 (December 15 for a January 1 start)
- Ohio 2027 average rate change: 16.3% (finalized)
- Private plans: Any month, if approved
Who I help in Columbus
Independent software consultants, insurance and banking contractors, real estate agents, home builders and remodelers, logistics owner-operators, rideshare and delivery drivers, restaurant owners near campus, university adjuncts, and families where one parent is self-employed.
What to watch when choosing a plan here
Central Ohio's large hospital systems compete hard, and a plan can include one of them while leaving another out, so look up your doctors and preferred hospital by name before you pick. Commuters from Delaware, Licking and Fairfield counties should check plans for their home county, since that decides the lineup. Families in rural Madison or Pickaway County may see a thinner list of doctors nearby.
Private plans and the Marketplace
Columbus households buy Marketplace plans through HealthCare.gov. For 2027 the subsidy stops at 400% of the federal poverty level, $63,840 for one person and $132,000 for a family of four, and above that line every plan is full price. More on Ohio's numbers is on the Ohio 2027 premium increase page.
A private, medically underwritten plan is priced on age, ZIP code and health instead of income. You answer health questions, approval depends on them, benefits vary by plan, and private plans are not ACA Marketplace plans. If approved, one can start the first of any month, so it does not wait for open enrollment.
Areas served
Dublin · Westerville · Hilliard · Grove City · Upper Arlington · Gahanna · Worthington · Clintonville, all by phone or video in English or Spanish.
Compare Columbus plans
Private plans priced first, the Marketplace alongside when it fits. Phone or video, English or Spanish, no fee.
Columbus questions
Where do Columbus residents enroll in a Marketplace plan for 2027?
Ohio uses HealthCare.gov. The 2027 window runs from November 1, 2026 to January 15, 2027, and a selection made by December 15 begins on New Year's Day. Frank can walk through the HealthCare.gov options over the phone and price private alternatives beside them.
What can a Columbus small-business owner do about Ohio's group renewal increase?
Ohio small-group plans are rising about 22 percent for 2027, one of the steepest jumps among the states Frank works in. Owners with a handful of employees can weigh that renewal against reimbursing individual plans through an ICHRA or QSEHRA, or against covering just the owner on an individual plan.
Does Ohio protect Columbus workers who lose a job along with their group coverage?
If an Ohio employer lets you go involuntarily and you have had three straight months on its insured group plan, state law gives you a right to 12 months of continuation, priced at or below the group rate. Price that against a HealthCare.gov plan or a medically underwritten private option before you elect it.
More for Ohio
- Health insurance in Ohio
- Ohio open enrollment 2027
- Ohio open enrollment for the self-employed
- Ohio open enrollment for families
- Ohio health insurance quotes
- Self-employed health insurance in Ohio
Other Ohio cities
Frank Caballero, licensed health insurance broker in Ohio and 30 other states, NPN 21032307. Based in Tampa, serving Columbus by phone or video. FC Insurance Solutions is independent and not affiliated with any government agency.