Ohio open enrollment 2027 Open enrollment · Ohio

Ohio Open Enrollment 2027 for People Over the Subsidy Line

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

Short answer

For people earning over the subsidy line 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. Above the line, a private, medically underwritten plan is priced on health instead of income, and 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 is 400% of the federal poverty level: $63,840 for one person, $86,560 for two, $109,280 for three and $132,000 for four. One dollar over it and every Marketplace plan in Ohio is full price, at every metal level, with an out-of-pocket cap of $12,000 for one person and $24,000 for a family.

Ohio this year

Ohio's average 2027 increase is a final 16.3%. Most of the people who reach me from Ohio are already above the subsidy range: business owners in Columbus, contractors around Cincinnati and Dayton, and early retirees in the Cleveland suburbs who left a corporate job before 65. For them, 2027 brings a full-price HealthCare.gov renewal with a double-digit jump attached. Ohio has an unusually deep set of hospital systems, so a plan's network can look very different from one metro to the next. Pick a plan by December 15 for January 1 coverage; enrollment ends January 15, 2027.

One thing to do before you choose

Early retirees in your early 60s, this one's for you. Your 2027 household income may depend on how much you choose to draw, and that decides where you land against $86,560 for a couple. If you'll be close to the line, look at both sides of it with me before you apply. If you'll be far above it, compare full-price HealthCare.gov plans with a private plan priced on age, ZIP code and health. Approval depends on your health answers, and benefits vary by plan.

Your checklist

How far above the line your 2027 household income will land
The full-price Ohio premium at each metal level
Everyone's health, for a private quote
Doctors you want to keep, checked in every network

Private plan or Marketplace?

Private plan

Healthy and well above the line: priced on age, ZIP code and health instead of earnings. Approval depends on health answers; not an ACA Marketplace plan.

Marketplace

Ongoing care, or income you can bring back under the line: HealthCare.gov must accept you, and below the line the subsidy returns.

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.

We're in Columbus, and my wife's cardiologist is with one particular hospital system. How do we keep her?

Check the cardiologist by name in every plan's directory before you choose. In Ohio, one plan may include her and the next may not. That's true of full-price HealthCare.gov plans and private plans alike. If keeping her is the priority, we pick the plan around her first and compare price second.

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.