Ohio open enrollment 2027 Open enrollment · Ohio

Ohio Open Enrollment 2027 for Individuals

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

Short answer

For individuals and couples 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 works on its own clock: if approved, it can start the first of any month, whether or not the window is open.

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.

For 2027 the subsidy line is $63,840 for one person and $86,560 for a couple; above it, every metal level is full price. Bronze and catastrophic plans count as HSA-eligible starting with 2026 coverage, and the 2027 out-of-pocket cap is $12,000 for one person, which is the real worst case to compare.

Ohio this year

Ohio's finalized 2027 individual average rises about 16.3 percent, and the state has a large, competitive Marketplace on HealthCare.gov, especially in Columbus, Cleveland and Cincinnati. That competition cuts both ways: because big hospital systems compete, some plans leave out one of the major names in a city. The people buying alone here are often above the subsidy range, such as contractors in Dayton or consultants in Columbus. Singles making more than $63,840 and couples making more than $86,560 pay the entire increase, so comparing before renewing matters more than in a typical year.

One thing to do before you choose

Find your hospital system by name in every plan's provider list before you renew, because in Cleveland, Columbus and Cincinnati a plan can include one large system and not another. Cincinnati renters who use Northern Kentucky doctors, and Toledo residents near Michigan, should also check that the network crosses the line. Ohioans who winter in Florida need a network that works in both states.

Your checklist

Each plan's network type in your Ohio ZIP code
The out-of-pocket maximum next to the premium
Your 2027 income against the one- or two-person line
Bronze with an HSA if you rarely need care

Private plan or Marketplace?

Private plan

Healthy single adults or couples above the line: priced on age, ZIP code and health. Approval depends on health answers; not an ACA Marketplace plan.

Marketplace

A health condition or income under the line: HealthCare.gov must accept you, and the subsidy can lower the price.

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'm healthy, self-employed in Columbus and earn too much for a subsidy. Can I look at a private plan?

Yes. Private coverage in Ohio is medically underwritten, so it fits applicants who pass underwriting; it is separate from the ACA Marketplace, and benefits vary. If you have a serious condition, the Marketplace is the right answer. A private plan can take effect the first day of a coming month if approved.

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.