What health insurance costs without a subsidy in Ottawa County, Ohio (2026)
In Ottawa County, Ohio, the benchmark silver plan costs $497.68/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $423.40 to $1087.15. A 60-year-old pays at least $899.14/month, a 21-year-old at least $331.31. 6 insurers offer 99 plans, according to the CMS PY2026 QHP Landscape. 2027 plans for Ottawa 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 $331.31/mo
- Age 40 — starting at $423.40/mo
- Age 60 — starting at $899.14/mo
Cost by metal level (age 40, 2026)
- Bronze — starting at $440.60/mo
- Silver — starting at $497.43/mo
- Gold — starting at $519.09/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, CareSource, MedMutual, Molina Healthcare, 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 Ottawa County (FIPS 39123).
- 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 (99)
- Anthem Bronze Pathway 10600 ($0 Virtual PCP + $0 Select Drugs) — Bronze · $440.60/mo @ 40
- Anthem Bronze Pathway 10600 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs) — Bronze · $446.56/mo @ 40
- UHC Bronze Essential ($0 Virtual Urgent Care, No Referrals) — Bronze · $494.12/mo @ 40
- Standard Expanded Bronze — Expanded Bronze · $423.40/mo @ 40
- Everyday Bronze — Expanded Bronze · $424.18/mo @ 40
- Molina Bronze Saver 7000 — Expanded Bronze · $434.82/mo @ 40
- Standard Expanded Bronze + Vision + Adult Dental — Expanded Bronze · $436.45/mo @ 40
- Everyday Bronze + Vision + Adult Dental — Expanded Bronze · $437.26/mo @ 40
- Molina Bronze Standard — Expanded Bronze · $438.51/mo @ 40
- Molina Bronze Saver 7000 Plus with Adult Vision — Expanded Bronze · $438.56/mo @ 40
- Molina Bronze Smart Heart Health — Expanded Bronze · $446.82/mo @ 40
- Molina Bronze Enhanced 3500 — Expanded Bronze · $450.09/mo @ 40
- Molina Bronze Saver 7000 Plus with Adult Dental and Vision — Expanded Bronze · $451.34/mo @ 40
- Molina Bronze Enhanced 3500 Plus with Adult Vision — Expanded Bronze · $453.83/mo @ 40
- Choice Bronze HSA — Expanded Bronze · $458.30/mo @ 40
- Bronze $8,300 w/ Virtual & Wellness ON-EX — Expanded Bronze · $462.60/mo @ 40
- Anthem Heart Healthy Bronze Pathway 6000 ($0 Virtual PCP + $0 Select Drugs) — Expanded Bronze · $465.51/mo @ 40
- Molina Bronze Enhanced 3500 Plus with Adult Dental and Vision — Expanded Bronze · $466.61/mo @ 40
- Bronze $8,300 w/ Adult Dental ON-EX — Expanded Bronze · $472.11/mo @ 40
- Choice Bronze HSA + Vision + Adult Dental — Expanded Bronze · $472.42/mo @ 40
- Anthem Bronze Pathway 8500 for HSA — Expanded Bronze · $475.01/mo @ 40
- Anthem Bronze Pathway 7500 Standard ($0 Virtual PCP + $0 Select Drugs) — Expanded Bronze · $477.06/mo @ 40
- Bronze Standard w/ Virtual & Wellness — Expanded Bronze · $483.13/mo @ 40
- Bronze HSA $7,300 ON-EX — Expanded Bronze · $486.63/mo @ 40
- UHC Bronze Standard (No Referrals) — Expanded Bronze · $520.78/mo @ 40
- UHC Bronze Standard+ (Dental + Vision, No Referrals) — Expanded Bronze · $535.85/mo @ 40
- UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) — Expanded Bronze · $539.11/mo @ 40
- UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals) — Expanded Bronze · $554.19/mo @ 40
- Low Premium Bronze 10600 $25 Generic Drugs — Expanded Bronze · $575.58/mo @ 40
- Low Premium Bronze 10600 $25 Generic Drugs + Adult Vision & Fitness — Expanded Bronze · $580.25/mo @ 40
- Bronze 7500 $25 Generic Drugs — Expanded Bronze · $593.01/mo @ 40
- Bronze 7500 $25 Generic Drugs + Adult Vision & Fitness — Expanded Bronze · $597.77/mo @ 40
- Clear Gold — Gold · $519.09/mo @ 40
- Standard Gold — Gold · $532.64/mo @ 40
- Clear Gold + Vision + Adult Dental — Gold · $535.08/mo @ 40
- Standard Gold + Vision + Adult Dental — Gold · $549.05/mo @ 40
- Complete Gold — Gold · $557.36/mo @ 40
- Complete Gold + Vision + Adult Dental — Gold · $574.53/mo @ 40
- Molina Gold Core 1640 — Gold · $575.54/mo @ 40
- Molina Gold Smart Heart Health — Gold · $577.37/mo @ 40
Showing first 40 of 99 plans on file. Every remaining plan is listed below.
All other plans in Ottawa County
- 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
- Molina Gold Standard — Gold
- Gold Standard w/ Virtual & Wellness — Gold
- Gold $500 w/ Virtual & Wellness ON-EX — Gold
- Gold $1,000 w/ Virtual & Wellness ON-EX — Gold
- Gold $1,000 w/ Adult Dental ON-EX — Gold
- Anthem Gold Pathway 2000 Standard ($0 Virtual PCP + $0 Select Drugs) — 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
- Molina Silver Saver with Four Free PCP Visits — Silver
- Molina Silver Smart Heart Health — Silver
- Molina Silver Core — Silver
- Molina Silver Core Plus with Adult Vision — Silver
- Molina Silver Standard — Silver
- Molina Silver Core Plus with Adult Dental and Vision — Silver
- Standard Silver — Silver
- Complete Silver — Silver
- Standard Silver + Vision + Adult Dental — Silver
- Complete Silver + Vision + Adult Dental — Silver
- Anthem Heart Healthy Silver Pathway 5000 ($0 Virtual PCP + $0 Select Drugs) — Silver
- Anthem Silver Pathway 6000 Standard ($0 Virtual PCP + $0 Select Drugs) — Silver
- Anthem Silver Pathway 4000 ($0 Virtual PCP + $0 Select Drugs) — Silver
- Anthem Silver Pathway 4000 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs) — Silver
- Anthem Silver Pathway 5500 for HSA — Silver
- Silver $5,800 w/ Virtual & Wellness ON-EX — 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
- UHC Silver Standard (No Referrals) — Silver
- UHC Silver Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx, No Referrals) — Silver
- Low Premium Silver 6200 $3 Generic Drugs — Silver
- UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) — Silver
- Low Premium Silver 6200 $3 Generic Drugs + Adult Vision & Fitness — 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
- Healthy Heart Silver 5000 $0 Chronic Care Drugs & Services — Silver
- Diabetes Silver 5000 $0 Chronic Care Drugs & Services — Silver
- Healthy Heart Silver 5000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness — Silver
- Silver 6000 $20 Generic Drugs — Silver
- Diabetes Silver 5000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness — Silver
- Silver 6000 $20 Generic Drugs + Adult Vision & Fitness — 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 28, 2026