Ohio open enrollment 2027 Open enrollment · Ohio

Ohio Open Enrollment 2027 for Families

Last updated November 3, 2026 · By Frank Caballero, licensed health insurance broker

Short answer

For families buying their own coverage in Ohio, open enrollment for 2027 coverage runs November 1, 2026 to January 15, 2027 on HealthCare.gov, and December 15 is the date to choose by for a January 1 start. A private, medically underwritten plan for the household does not wait for the window either: if approved, it can start the first of any month.

What 2027 looks like for you

Ohio's average 2027 rate change is 16.3% (finalized). The details are on the Ohio 2027 premium increase page.

The 2027 subsidy line rises with household size: $109,280 for a household of three, $132,000 for four, and higher for larger families. Marketplace plans charge for at most three children under 21, so a bigger family's premium stops growing after the third child. Ohio parents above the line pay full price at every metal level, which is when a side-by-side comparison matters most.

Ohio this year

Ohio families renewing individual coverage are looking at a finalized 2027 average of about 16.3 percent, while small employers get one of the harshest numbers anywhere, roughly 22 percent on group plans. Columbus, Cleveland and Cincinnati have a crowded, competitive Marketplace, but a plan there can include one large hospital system and leave out another, which decides where your kids are seen. Toledo and Akron have their own lineups. Ohio's HealthCare.gov season lasts until January 15; to have the new plan working on January 1, sign up by December 15. In Ohio, as everywhere, a four-person household loses the subsidy above $132,000 and pays the sticker price.

One thing to do before you choose

Search the pediatrician and the hospital system your kids rely on in every plan's provider finder before renewing, because Ohio networks often split along system lines. Cincinnati-area parents who use Northern Kentucky doctors, Toledo families near Michigan and households that winter in Florida should make sure their coverage reaches across those lines. If you run a small company staring at a 22 percent group increase, put individual family coverage on the table too.

Your checklist

Each family member's doctors and the children's hospital you use
The family deductible and out-of-pocket maximum
Household income against your household-size line
Planned 2027 care: a pregnancy, braces or surgery

Private plan or Marketplace?

Private plan

Whole household healthy, income above the line: each person is approved on their own health answers; not an ACA Marketplace plan.

Marketplace

Ongoing care for a child or parent, or income under the line: HealthCare.gov accepts everyone, and the subsidy grows with household size.

Compare Ohio plans this open enrollment

Private plans priced first, the Marketplace alongside when it fits. Phone or video, English or Spanish, no fee.

Get a quote Book a call (786) 218-2384

About your broker

Frank Caballero (NPN 21032307), licensed in 31 states including Ohio. Phone or video, English or Spanish, no fee; independent, not HealthCare.gov or any government agency.

Questions

When is the 2027 open enrollment deadline in Ohio?

January 15, 2027 on HealthCare.gov. Choose by December 15, 2026 for coverage that starts January 1; plans picked after that start February 1.

I own a small business in Ohio. Should my family leave the group plan?

Not automatically, but with group renewals averaging about 22 percent, it is worth comparing. Price individual Marketplace coverage and private family plans for your household against your share of the group renewal. Keep in mind that a private plan only takes effect once the medical application is accepted, and what it pays for depends on the specific plan.

Can I get a private plan in Ohio after open enrollment closes?

Yes. You can apply in any month and, if approved, a private plan can start the first of a month; the insurer can decline based on health answers.

More for Ohio

Official sources: HealthCare.gov, the federal Marketplace; HealthCare.gov: special enrollment periods. FC Insurance Solutions is an independent, licensed brokerage and is not affiliated with any government agency.

Written by Frank Caballero, licensed health insurance broker in Ohio and 30 other states, NPN 21032307. Last updated November 3, 2026.