Ohio open enrollment 2027 Open enrollment · Ohio

Ohio Open Enrollment 2027 for Marketplace Renewals

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

Short answer

For people renewing a Marketplace plan 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. Before you let the renewal go through, know that a private, medically underwritten plan is another option: 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.

Unless you act, HealthCare.gov renews most enrollees into the same plan, or a similar one if yours is gone, at the 2027 price. Your renewal notice shows the new premium, deductible and any change in subsidy. Plans picked during open enrollment replace the renewal, and the 2027 out-of-pocket cap rises to $12,000 for one person.

Ohio this year

Ohio's 2027 average increase is finalized at about 16.3 percent. Hospital systems in Cleveland, Columbus, Cincinnati, Toledo and Akron compete hard, and because they compete, some Marketplace plans leave out the biggest names. A renewal is when that can change. The Ohioans who reach me are usually above the subsidy range: Columbus small business owners, Cincinnati and Dayton contractors, early retirees in the Cleveland suburbs and I-75 owner-operators. For a couple, full price starts above $86,560. Ohio sells plans on HealthCare.gov, so December 15 is the date for coverage on January 1, and January 15, 2027, is the last day of the window.

One thing to do before you choose

Type your hospital's name into the 2027 provider search for the exact plan on your renewal, not just the insurer. In Ohio the same insurer can sell one plan that includes a major system and another that leaves it out. If your system dropped out, compare plans that kept it, even at a higher premium. Healthy enrollees above the line can ask me to put a private underwritten plan next to the Marketplace options; health answers determine approval, and it is not an ACA Marketplace plan.

Your checklist

Your 2027 renewal notice, read line by line
Whether your plan is the same one or a replacement
Doctors and prescriptions in the 2027 plan
Last year's actual care, priced at each metal level

Private plan or Marketplace?

Private plan

Healthy and facing a big renewal: priced on age, ZIP code and health. Approval depends on health answers; not an ACA Marketplace plan.

Marketplace

Ongoing treatment, or a subsidy you still qualify for: stay with HealthCare.gov, but pick the 2027 plan yourself instead of auto-renewing.

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 61, retired early in a Cleveland suburb, and healthy. What should I compare?

Two lines of comparison. On the Marketplace, look at silver and bronze at full price if your 2027 household earnings exceed the line, and check that your hospital is in. Off the Marketplace, a private plan priced on age, ZIP code and health may be worth a look while you are healthy. It requires approval, and its benefits differ from ACA plans.

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.