What health insurance costs without a subsidy in Montgomery County, Ohio (2026)
In Montgomery County, Ohio, the benchmark silver plan costs $535.58/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $389.08 to $1066.35. A 60-year-old pays at least $826.25/month, a 21-year-old at least $304.44. 8 insurers offer 130 plans, according to the CMS PY2026 QHP Landscape. 2027 plans for Montgomery County are now available — to compare plans and sign up for coverage, call a licensed agent at 1-855-333-3555.
Last verified 2026-07-18 · Published by Private Health Insurance Direct Answers · Licensed under Citation License 1.0
Cost by age (2026, before subsidy)
- Age 21 — starting at $304.44/mo
- Age 40 — starting at $389.08/mo
- Age 60 — starting at $826.25/mo
Cost by metal level (age 40, 2026)
- Bronze — starting at $442.62/mo
- Silver — starting at $525.61/mo
- Gold — starting at $535.21/mo
Deductibles & out-of-pocket (2026)
- Deductibles range from $0 to $10,600
- Highest out-of-pocket maximum on file: $10,600
Who sells plans here
Ambetter from Buckeye Health Plan, Anthem Blue Cross and Blue Shield, Antidote Health Plan of Ohio, Inc., CareSource, MedMutual, Molina Healthcare, Oscar Health Insurance, UnitedHealthcare
The subsidy cliff
In 2026 the enhanced ARP/IRA premium tax credits expire, so households above roughly 400% of the federal poverty level get zero subsidy and pay the full sticker prices listed above. Households under the cliff usually pay far less than sticker — how much less depends on income, household size, and county benchmark.
Call 1-855-333-3555 — private U65 quoteSee your subsidized price at acadirectanswers.com (opens in new tab)
Not affiliated with the U.S. government. Informational only — see the full disclaimer in the footer.
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical (opens in new tab) — county-level premiums, deductibles, out-of-pocket maximums, and issuer/plan counts for Montgomery County (FIPS 39113).
- HealthCare.gov (opens in new tab) — the authoritative marketplace for enrollment and exact quoted pricing.
- Methodology — how we source, interpret, and label these figures.
Related counties in Ohio
- Knox County — $668.80/mo benchmark
- Marion County — $665.39/mo benchmark
- Athens County — $621.36/mo benchmark
- Meigs County — $617.49/mo benchmark
- Washington County — $617.49/mo benchmark
Plans available in this county (130)
- Anthem Bronze Pathway 10600 ($0 Virtual PCP + $0 Select Drugs) — Bronze · $442.62/mo @ 40
- Anthem Bronze Pathway 10600 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs) — Bronze · $448.62/mo @ 40
- UHC Bronze Essential ($0 Virtual Urgent Care, No Referrals) — Bronze · $505.64/mo @ 40
- Bronze $8,300 w/ Virtual & Wellness ON-EX — Expanded Bronze · $389.08/mo @ 40
- Bronze Classic Standard — Expanded Bronze · $395.46/mo @ 40
- Bronze $8,300 w/ Adult Dental ON-EX — Expanded Bronze · $397.08/mo @ 40
- Bronze Classic 4700 — Expanded Bronze · $400.89/mo @ 40
- Bronze Simple Diabetes — Expanded Bronze · $403.91/mo @ 40
- Bronze Simple Breathe Easy with Enhanced COPD Benefits — Expanded Bronze · $405.78/mo @ 40
- Bronze Standard w/ Virtual & Wellness — Expanded Bronze · $406.34/mo @ 40
- Bronze Simple Chronic Care CKM — Expanded Bronze · $408.92/mo @ 40
- Bronze HSA $7,300 ON-EX — Expanded Bronze · $409.29/mo @ 40
- Bronze Complete 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx — Expanded Bronze · $411.60/mo @ 40
- Bronze Complete+Dental 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx — Expanded Bronze · $423.81/mo @ 40
- Bronze Elite + PCP Saver Plus — Expanded Bronze · $428.89/mo @ 40
- Bronze Elite 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care/Referred Labs, $0 Advanced Rx — Expanded Bronze · $440.64/mo @ 40
- Bronze Standard — Expanded Bronze · $447.62/mo @ 40
- Bronze Elite+Dental 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care/Referred Labs, $0 Advanced Rx — Expanded Bronze · $452.86/mo @ 40
- Anthem Heart Healthy Bronze Pathway 6000 ($0 Virtual PCP + $0 Select Drugs) — Expanded Bronze · $467.65/mo @ 40
- Anthem Bronze Pathway 8500 for HSA — Expanded Bronze · $477.19/mo @ 40
- Anthem Bronze Pathway 7500 Standard ($0 Virtual PCP + $0 Select Drugs) — Expanded Bronze · $479.25/mo @ 40
- Standard Expanded Bronze — Expanded Bronze · $485.36/mo @ 40
- Everyday Bronze — Expanded Bronze · $486.26/mo @ 40
- Standard Expanded Bronze + Vision + Adult Dental — Expanded Bronze · $500.32/mo @ 40
- Everyday Bronze + Vision + Adult Dental — Expanded Bronze · $501.25/mo @ 40
- Choice Bronze HSA — Expanded Bronze · $525.38/mo @ 40
- UHC Bronze Standard (No Referrals) — Expanded Bronze · $532.92/mo @ 40
- Choice Bronze HSA + Vision + Adult Dental — Expanded Bronze · $541.57/mo @ 40
- Molina Bronze Saver 7000 — Expanded Bronze · $546.34/mo @ 40
- UHC Bronze Standard+ (Dental + Vision, No Referrals) — Expanded Bronze · $548.34/mo @ 40
- Molina Bronze Standard — Expanded Bronze · $550.97/mo @ 40
- Molina Bronze Saver 7000 Plus with Adult Vision — Expanded Bronze · $551.04/mo @ 40
- UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) — Expanded Bronze · $551.68/mo @ 40
- Molina Bronze Smart Heart Health — Expanded Bronze · $561.41/mo @ 40
- Low Premium Bronze 10600 $25 Generic Drugs — Expanded Bronze · $564.57/mo @ 40
- Molina Bronze Enhanced 3500 — Expanded Bronze · $565.53/mo @ 40
- Molina Bronze Saver 7000 Plus with Adult Dental and Vision — Expanded Bronze · $567.09/mo @ 40
- UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals) — Expanded Bronze · $567.11/mo @ 40
- Low Premium Bronze 10600 $25 Generic Drugs + Adult Vision & Fitness — Expanded Bronze · $569.15/mo @ 40
- Molina Bronze Enhanced 3500 Plus with Adult Vision — Expanded Bronze · $570.22/mo @ 40
Showing first 40 of 130 plans on file. Every remaining plan is listed below.
All other plans in Montgomery County
- Bronze 7500 $25 Generic Drugs — Expanded Bronze
- Molina Bronze Enhanced 3500 Plus with Adult Dental and Vision — Expanded Bronze
- Bronze 7500 $25 Generic Drugs + Adult Vision & Fitness — Expanded Bronze
- Gold Classic Standard — Gold
- Gold Classic — Gold
- Gold Elite Saver Plus — Gold
- Clear Gold — Gold
- Standard Gold — Gold
- Clear Gold + Vision + Adult Dental — Gold
- Gold Standard w/ Virtual & Wellness — Gold
- Gold $500 w/ Virtual & Wellness ON-EX — Gold
- Gold $1,000 w/ Virtual & Wellness ON-EX — Gold
- Standard Gold + Vision + Adult Dental — Gold
- Gold $1,000 w/ Adult Dental ON-EX — Gold
- Complete Gold — Gold
- Complete Gold + Vision + Adult Dental — Gold
- Gold Complete 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx — Gold
- Gold Complete+Dental 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx — Gold
- Molina Gold Core 1640 — Gold
- Molina Gold Smart Heart Health — Gold
- Molina Gold Enhanced 895 — Gold
- Molina Gold Core 1640 Plus with Adult Vision — Gold
- Molina Gold Enhanced 895 Plus with Adult Vision — Gold
- Molina Gold Core 1640 Plus with Adult Dental and Vision — Gold
- Molina Gold Enhanced 895 Plus with Adult Dental and Vision — Gold
- Gold Elite 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care/Referred Labs, $0 Advanced Rx — Gold
- Molina Gold Standard — Gold
- Gold Elite+Dental 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care/Referred Labs, $0 Advanced Rx — Gold
- Anthem Gold Pathway 2000 Standard ($0 Virtual PCP + $0 Select Drugs) — Gold
- Gold Standard — Gold
- UHC Gold Standard (No Referrals) — Gold
- UHC Gold Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) — Gold
- UHC Gold Standard+ (Dental + Vision, No Referrals) — Gold
- UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals) — Gold
- UHC Gold Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision, No Referrals) — Gold
- UHC Gold Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx, Dental + Vision, No Referrals) — Gold
- Healthy Heart Gold 3000 $0 Chronic Care Drugs & Services — Gold
- Healthy Heart Gold 3000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness — Gold
- Diabetes Gold 3000 $0 Chronic Care Drugs & Services — Gold
- Diabetes Gold 3000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness — Gold
- Core Gold 1500 $10 Generic Drugs — Gold
- Core Gold 1500 $10 Generic Drugs + Adult Vision & Fitness — Gold
- Gold 2000 $15 Generic Drugs — Gold
- Gold 2000 $15 Generic Drugs + Adult Vision & Fitness — Gold
- Silver Complete 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx — Silver
- Silver Classic Standard — Silver
- Silver $5,800 w/ Virtual & Wellness ON-EX — Silver
- Silver Simple PCP Saver — Silver
- Silver Simple Diabetes — Silver
- Silver Simple Breathe Easy with Enhanced COPD Benefits — Silver
- Silver Complete+Dental 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx — Silver
- Silver Simple Chronic Care CKM — Silver
- Silver Elite Saver Plus — Silver
- Silver Simple Women's Health with Menopause Benefits — Silver
- Silver Standard w/ Virtual & Wellness — Silver
- Silver $5,000 w/ Virtual & Wellness ON-EX — Silver
- Silver $5,000 w/ Adult Dental ON-EX — Silver
- Silver Elite 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care/Referred Labs, $0 Advanced Rx — Silver
- Anthem Heart Healthy Silver Pathway 5000 ($0 Virtual PCP + $0 Select Drugs) — Silver
- Silver Elite+Dental 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care/Referred Labs, $0 Advanced Rx — Silver
- Anthem Silver Pathway 6000 Standard ($0 Virtual PCP + $0 Select Drugs) — Silver
- Standard Silver — Silver
- Anthem Silver Pathway 4000 ($0 Virtual PCP + $0 Select Drugs) — Silver
- Silver Standard — Silver
- Complete Silver — Silver
- Anthem Silver Pathway 4000 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs) — Silver
- Standard Silver + Vision + Adult Dental — Silver
- Molina Silver Saver with Four Free PCP Visits — Silver
- Molina Silver Smart Heart Health — Silver
- Complete Silver + Vision + Adult Dental — Silver
- Molina Silver Core — Silver
- Anthem Silver Pathway 5500 for HSA — Silver
- Molina Silver Core Plus with Adult Vision — Silver
- Molina Silver Standard — Silver
- Molina Silver Core Plus with Adult Dental and Vision — Silver
- Low Premium Silver 6200 $3 Generic Drugs — Silver
- Low Premium Silver 6200 $3 Generic Drugs + Adult Vision & Fitness — Silver
- Healthy Heart Silver 5000 $0 Chronic Care Drugs & Services — Silver
- Diabetes Silver 5000 $0 Chronic Care Drugs & Services — Silver
- UHC Silver Standard (No Referrals) — Silver
- Healthy Heart Silver 5000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness — Silver
- Silver 6000 $20 Generic Drugs — Silver
- UHC Silver Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx, No Referrals) — Silver
- Diabetes Silver 5000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness — Silver
- Silver 6000 $20 Generic Drugs + Adult Vision & Fitness — Silver
- UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) — Silver
- UHC Silver Standard+ (Dental + Vision, No Referrals) — Silver
- UHC Silver Advantage+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision, No Referrals) — Silver
- UHC Silver Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals) — Silver
- HDHP Preventive Silver 5500 $0 Chronic Care Drugs — Silver
Reviewed by Jason Burns, Editorial Steward.
Reviewed by Heather Fabrizio, licensed in Ohio (License #1559549) · reviewed Jul 25, 2026