2026 plan year · Ohio
2026 health insurance plans in Lucas County, OH
121 Marketplace plans from 8 insurers. Premiums below are full monthly prices before tax credits. Use the age columns to see how price changes with age.
- $525benchmark silver (age 40)
- $403cheapest bronze (age 40)
- 8insurers
- +17.8%benchmark change vs. 2025
Insurer changes from 2025
- Leaving: Aetna CVS Health. See what to do if your insurer leaves.
Bronze plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Anthem Bronze Pathway 10600 ($0 Virtual PCP + $0 Select Drugs) Anthem Blue Cross and Blue Shield · HMO | $331 | $423 | $899 | $10,600 | $10,600 | No Charge after Deductible |
| Anthem Bronze Pathway 10600 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs) Anthem Blue Cross and Blue Shield · HMO | $336 | $429 | $911 | $10,600 | $10,600 | No Charge after Deductible |
| UHC Bronze Essential ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare · HMO | $385 | $492 | $1,045 | $10,600 | $10,600 | No Charge after Deductible |
Expanded Bronze plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Bronze Complete 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx Antidote Health Plan of Ohio, Inc. · HMO | $316 | $403 | $857 | $8,700 | $10,600 | No Charge |
| Bronze Complete+Dental 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx Antidote Health Plan of Ohio, Inc. · HMO | $325 | $415 | $882 | $8,700 | $10,600 | No Charge |
| Bronze Elite 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care/Referred Labs, $0 Advanced Rx Antidote Health Plan of Ohio, Inc. · HMO | $338 | $432 | $917 | $8,000 | $10,600 | No Charge |
| Bronze $8,300 w/ Virtual & Wellness ON-EX MedMutual · HMO | $340 | $435 | $924 | $8,300 | $10,000 | $30 |
| Bronze Standard Antidote Health Plan of Ohio, Inc. · HMO | $343 | $439 | $932 | $7,500 | $10,000 | $50 |
| Bronze Elite+Dental 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care/Referred Labs, $0 Advanced Rx Antidote Health Plan of Ohio, Inc. · HMO | $347 | $444 | $943 | $8,000 | $10,600 | No Charge |
| Bronze $8,300 w/ Adult Dental ON-EX MedMutual · HMO | $347 | $444 | $943 | $8,300 | $10,000 | $30 |
| Anthem Heart Healthy Bronze Pathway 6000 ($0 Virtual PCP + $0 Select Drugs) Anthem Blue Cross and Blue Shield · HMO | $350 | $447 | $950 | $6,000 | $10,600 | $50 |
| Bronze Standard w/ Virtual & Wellness MedMutual · HMO | $356 | $454 | $965 | $7,500 | $10,000 | $50 |
| Anthem Bronze Pathway 8500 for HSA Anthem Blue Cross and Blue Shield · HMO | $357 | $457 | $970 | $8,500 | $8,500 | No Charge after Deductible |
| Bronze HSA $7,300 ON-EX MedMutual · HMO | $358 | $458 | $972 | $7,300 | $7,300 | No Charge after Deductible |
| Anthem Bronze Pathway 7500 Standard ($0 Virtual PCP + $0 Select Drugs) Anthem Blue Cross and Blue Shield · HMO | $359 | $459 | $974 | $7,500 | $10,000 | $50 |
| Molina Bronze Saver 7000 Molina Healthcare · HMO | $359 | $459 | $975 | $7,000 | $10,200 | $75 |
| Molina Bronze Standard Molina Healthcare · HMO | $362 | $463 | $983 | $7,500 | $10,000 | $50 |
| Molina Bronze Saver 7000 Plus with Adult Vision Molina Healthcare · HMO | $362 | $463 | $983 | $7,000 | $10,200 | $75 |
| Standard Expanded Bronze Ambetter from Buckeye Health Plan · HMO | $364 | $465 | $988 | $7,500 | $10,000 | $50 |
| Everyday Bronze Ambetter from Buckeye Health Plan · HMO | $365 | $466 | $990 | $8,450 | $10,150 | $40 |
| Low Premium Bronze 10600 $25 Generic Drugs CareSource · HMO | $366 | $467 | $993 | $10,600 | $10,600 | No Charge after Deductible |
| Low Premium Bronze 10600 $25 Generic Drugs + Adult Vision & Fitness CareSource · HMO | $369 | $471 | $1,001 | $10,600 | $10,600 | No Charge after Deductible |
| Molina Bronze Smart Heart Health Molina Healthcare · HMO | $369 | $472 | $1,002 | $4,000 | $9,950 | $50 |
| Molina Bronze Enhanced 3500 Molina Healthcare · HMO | $372 | $475 | $1,009 | $3,500 | $9,950 | $50 |
| Molina Bronze Saver 7000 Plus with Adult Dental and Vision Molina Healthcare · HMO | $373 | $477 | $1,012 | $7,000 | $10,200 | $75 |
| Molina Bronze Enhanced 3500 Plus with Adult Vision Molina Healthcare · HMO | $375 | $479 | $1,018 | $3,500 | $9,950 | $50 |
| Standard Expanded Bronze + Vision + Adult Dental Ambetter from Buckeye Health Plan · HMO | $375 | $480 | $1,019 | $7,500 | $10,000 | $50 |
| Everyday Bronze + Vision + Adult Dental Ambetter from Buckeye Health Plan · HMO | $376 | $481 | $1,021 | $8,450 | $10,150 | $40 |
| Bronze 7500 $25 Generic Drugs CareSource · HMO | $377 | $482 | $1,023 | $7,500 | $10,000 | $50 |
| Bronze 7500 $25 Generic Drugs + Adult Vision & Fitness CareSource · HMO | $380 | $485 | $1,031 | $7,500 | $10,000 | $50 |
| Paramount Value Bronze HRA NWO OE Paramount · HMO | $382 | $489 | $1,038 | $10,600 | $10,600 | No Charge after Deductible |
| Molina Bronze Enhanced 3500 Plus with Adult Dental and Vision Molina Healthcare · HMO | $385 | $493 | $1,046 | $3,500 | $9,950 | $50 |
| Paramount Value Bronze HRA NWO Plus Adult Dental & Vision OE Paramount · HMO | $392 | $501 | $1,064 | $10,600 | $10,600 | No Charge after Deductible |
| Choice Bronze HSA Ambetter from Buckeye Health Plan · HMO | $394 | $504 | $1,070 | $7,250 | $7,250 | No Charge after Deductible |
| UHC Bronze Standard (No Referrals) UnitedHealthcare · HMO | $406 | $519 | $1,101 | $7,500 | $10,000 | $50 |
| Choice Bronze HSA + Vision + Adult Dental Ambetter from Buckeye Health Plan · HMO | $406 | $519 | $1,103 | $7,250 | $7,250 | No Charge after Deductible |
| UHC Bronze Standard+ (Dental + Vision, No Referrals) UnitedHealthcare · HMO | $417 | $534 | $1,133 | $7,500 | $10,000 | $50 |
| UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare · HMO | $420 | $537 | $1,140 | $0 | $10,600 | $50 |
| Paramount Standard Expanded Bronze NWO OE Paramount · HMO | $430 | $549 | $1,167 | $7,500 | $10,000 | $50 |
| UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare · HMO | $432 | $552 | $1,172 | $0 | $10,600 | $50 |
| Paramount Economy Bronze HSA NWO OE Paramount · HMO | $434 | $555 | $1,178 | $6,500 | $10,000 | No Charge after Deductible |
| Paramount Economy Bronze NWO, Plus Adult Dental & Vision OE Paramount · HMO | $443 | $567 | $1,203 | $6,500 | $10,000 | No Charge after Deductible |
Silver plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Silver Complete 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx Antidote Health Plan of Ohio, Inc. · HMO | $403 | $515 | $1,094 | $7,500 | $10,600 | No Charge |
| Molina Silver Saver with Four Free PCP Visits Molina Healthcare · HMO | $411 | $525 | $1,115 | $7,000 | $10,150 | $40 |
| Molina Silver Smart Heart Health Molina Healthcare · HMO | $411 | $525 | $1,116 | $6,000 | $8,990 | $35 |
| Molina Silver Core Molina Healthcare · HMO | $412 | $526 | $1,118 | $6,000 | $8,990 | $35 |
| Silver Complete+Dental 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx Antidote Health Plan of Ohio, Inc. · HMO | $413 | $527 | $1,120 | $7,500 | $10,600 | No Charge |
| Molina Silver Core Plus with Adult Vision Molina Healthcare · HMO | $415 | $530 | $1,127 | $6,000 | $8,990 | $35 |
| Molina Silver Standard Molina Healthcare · HMO | $418 | $534 | $1,135 | $6,000 | $8,900 | $40 |
| Molina Silver Core Plus with Adult Dental and Vision Molina Healthcare · HMO | $426 | $544 | $1,156 | $6,000 | $8,990 | $35 |
| Anthem Heart Healthy Silver Pathway 5000 ($0 Virtual PCP + $0 Select Drugs) Anthem Blue Cross and Blue Shield · HMO | $435 | $555 | $1,180 | $5,000 | $8,950 | $30 |
| Silver Elite 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care/Referred Labs, $0 Advanced Rx Antidote Health Plan of Ohio, Inc. · HMO | $437 | $558 | $1,185 | $6,500 | $10,600 | No Charge |
| Anthem Silver Pathway 6000 Standard ($0 Virtual PCP + $0 Select Drugs) Anthem Blue Cross and Blue Shield · HMO | $442 | $564 | $1,199 | $6,000 | $8,900 | $40 |
| Silver Elite+Dental 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care/Referred Labs, $0 Advanced Rx Antidote Health Plan of Ohio, Inc. · HMO | $446 | $570 | $1,210 | $6,500 | $10,600 | No Charge |
| Standard Silver Ambetter from Buckeye Health Plan · HMO | $448 | $573 | $1,216 | $6,000 | $8,900 | $40 |
| Silver 6000 $20 Generic Drugs CareSource · HMO | $449 | $574 | $1,218 | $6,000 | $8,900 | $40 |
| Anthem Silver Pathway 4000 ($0 Virtual PCP + $0 Select Drugs) Anthem Blue Cross and Blue Shield · HMO | $451 | $576 | $1,224 | $4,000 | $9,200 | $35 |
| Anthem Silver Pathway 4000 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs) Anthem Blue Cross and Blue Shield · HMO | $455 | $582 | $1,236 | $4,000 | $9,200 | $35 |
| Complete Silver Ambetter from Buckeye Health Plan · HMO | $456 | $582 | $1,236 | $5,950 | $8,850 | $30 |
| Standard Silver + Vision + Adult Dental Ambetter from Buckeye Health Plan · HMO | $462 | $590 | $1,253 | $6,000 | $8,900 | $40 |
| Silver Standard Antidote Health Plan of Ohio, Inc. · HMO | $463 | $592 | $1,258 | $6,000 | $8,900 | $40 |
| Silver $5,800 w/ Virtual & Wellness ON-EX MedMutual · HMO | $469 | $600 | $1,274 | $5,800 | $9,800 | $30 |
| Complete Silver + Vision + Adult Dental Ambetter from Buckeye Health Plan · HMO | $470 | $600 | $1,274 | $5,950 | $8,850 | $30 |
| Anthem Silver Pathway 5500 for HSA Anthem Blue Cross and Blue Shield · HMO | $472 | $603 | $1,280 | $5,500 | $5,500 | No Charge after Deductible |
| Silver Standard w/ Virtual & Wellness MedMutual · HMO | $481 | $615 | $1,305 | $6,000 | $8,900 | $40 |
| Silver $5,000 w/ Virtual & Wellness ON-EX MedMutual · HMO | $481 | $615 | $1,306 | $5,000 | $8,500 | $30 |
| Silver $5,000 w/ Adult Dental ON-EX MedMutual · HMO | $491 | $627 | $1,332 | $5,000 | $8,500 | $30 |
| UHC Silver Standard (No Referrals) UnitedHealthcare · HMO | $526 | $673 | $1,429 | $6,000 | $8,900 | $40 |
| UHC Silver Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx, No Referrals) UnitedHealthcare · HMO | $529 | $676 | $1,436 | $3,250 | $10,600 | $20 |
| UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare · HMO | $533 | $681 | $1,447 | $0 | $9,800 | $40 |
| UHC Silver Standard+ (Dental + Vision, No Referrals) UnitedHealthcare · HMO | $538 | $688 | $1,461 | $6,000 | $8,900 | $40 |
| UHC Silver Advantage+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision, No Referrals) UnitedHealthcare · HMO | $541 | $691 | $1,468 | $3,250 | $10,600 | $20 |
| Paramount Everyday Silver NWO OE Paramount · HMO | $543 | $693 | $1,473 | $6,500 | $6,500 | No Charge after Deductible |
| UHC Silver Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare · HMO | $545 | $696 | $1,478 | $0 | $9,800 | $40 |
| Paramount Everyday Silver NWO Plus Adult Dental & Vision OE Paramount · HMO | $552 | $706 | $1,498 | $6,500 | $6,500 | No Charge after Deductible |
| Paramount Standard Silver NWO OE Paramount · HMO | $573 | $733 | $1,556 | $6,000 | $8,900 | $40 |
| Paramount Essential Silver HRA NWO OE Paramount · HMO | $583 | $745 | $1,582 | $7,000 | $9,500 | $30 |
| Paramount Essential Silver HRA NWO, Plus Adult Dental & Vision OE Paramount · HMO | $592 | $757 | $1,608 | $7,000 | $9,500 | $30 |
Gold plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Clear Gold Ambetter from Buckeye Health Plan · HMO | $447 | $571 | $1,212 | $1,200 | $9,150 | $25 |
| Standard Gold Ambetter from Buckeye Health Plan · HMO | $458 | $586 | $1,243 | $2,000 | $8,200 | $30 |
| Clear Gold + Vision + Adult Dental Ambetter from Buckeye Health Plan · HMO | $460 | $588 | $1,249 | $1,200 | $9,150 | $25 |
| Standard Gold + Vision + Adult Dental Ambetter from Buckeye Health Plan · HMO | $472 | $604 | $1,282 | $2,000 | $8,200 | $30 |
| Molina Gold Core 1640 Molina Healthcare · HMO | $475 | $608 | $1,290 | $1,640 | $8,100 | $25 |
| Molina Gold Smart Heart Health Molina Healthcare · HMO | $477 | $610 | $1,295 | $1,640 | $8,100 | $25 |
| Molina Gold Enhanced 895 Molina Healthcare · HMO | $477 | $610 | $1,295 | $895 | $8,700 | $25 |
| Molina Gold Core 1640 Plus with Adult Vision Molina Healthcare · HMO | $479 | $612 | $1,299 | $1,640 | $8,100 | $25 |
| Complete Gold Ambetter from Buckeye Health Plan · HMO | $479 | $613 | $1,301 | $1,450 | $7,500 | $15 |
| Molina Gold Enhanced 895 Plus with Adult Vision Molina Healthcare · HMO | $480 | $614 | $1,303 | $895 | $8,700 | $25 |
| Molina Gold Core 1640 Plus with Adult Dental and Vision Molina Healthcare · HMO | $489 | $625 | $1,327 | $1,640 | $8,100 | $25 |
| Molina Gold Enhanced 895 Plus with Adult Dental and Vision Molina Healthcare · HMO | $491 | $627 | $1,332 | $895 | $8,700 | $25 |
| Complete Gold + Vision + Adult Dental Ambetter from Buckeye Health Plan · HMO | $494 | $632 | $1,341 | $1,450 | $7,500 | $15 |
| Molina Gold Standard Molina Healthcare · HMO | $496 | $635 | $1,347 | $2,000 | $8,200 | $30 |
| Gold Complete 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx Antidote Health Plan of Ohio, Inc. · HMO | $521 | $666 | $1,414 | $3,500 | $9,000 | No Charge |
| Gold Complete+Dental 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx Antidote Health Plan of Ohio, Inc. · HMO | $531 | $678 | $1,440 | $3,500 | $9,000 | No Charge |
| Gold Standard w/ Virtual & Wellness MedMutual · HMO | $537 | $686 | $1,457 | $2,000 | $8,200 | $30 |
| Gold $500 w/ Virtual & Wellness ON-EX MedMutual · HMO | $544 | $696 | $1,477 | $500 | $7,500 | $20 |
| Gold $1,000 w/ Virtual & Wellness ON-EX MedMutual · HMO | $545 | $696 | $1,479 | $1,000 | $8,000 | $20 |
| Gold $1,000 w/ Adult Dental ON-EX MedMutual · HMO | $555 | $709 | $1,506 | $1,000 | $8,000 | $20 |
| Gold Elite 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care/Referred Labs, $0 Advanced Rx Antidote Health Plan of Ohio, Inc. · HMO | $573 | $733 | $1,556 | $3,000 | $9,000 | No Charge |
| Gold Elite+Dental 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care/Referred Labs, $0 Advanced Rx Antidote Health Plan of Ohio, Inc. · HMO | $583 | $745 | $1,582 | $3,000 | $9,000 | No Charge |
| Anthem Gold Pathway 2000 Standard ($0 Virtual PCP + $0 Select Drugs) Anthem Blue Cross and Blue Shield · HMO | $590 | $754 | $1,601 | $2,000 | $8,200 | $30 |
| Gold Standard Antidote Health Plan of Ohio, Inc. · HMO | $609 | $778 | $1,653 | $2,000 | $8,200 | $30 |
| Paramount Standard Gold NWO OE Paramount · HMO | $623 | $796 | $1,690 | $2,000 | $8,200 | $30 |
| UHC Gold Standard (No Referrals) UnitedHealthcare · HMO | $626 | $799 | $1,698 | $2,000 | $8,200 | $30 |
| Healthy Heart Gold 3000 $0 Chronic Care Drugs & Services CareSource · HMO | $628 | $802 | $1,704 | $3,000 | $8,500 | $10 |
| Paramount Essential Gold NWO OE Paramount · HMO | $630 | $805 | $1,710 | $2,500 | $7,500 | $15 |
| Healthy Heart Gold 3000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness CareSource · HMO | $631 | $806 | $1,712 | $3,000 | $8,500 | $10 |
| Diabetes Gold 3000 $0 Chronic Care Drugs & Services CareSource · HMO | $633 | $809 | $1,717 | $3,000 | $8,500 | $10 |
| UHC Gold Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) UnitedHealthcare · HMO | $633 | $809 | $1,719 | $700 | $7,000 | $10 |
| Diabetes Gold 3000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness CareSource · HMO | $636 | $812 | $1,725 | $3,000 | $8,500 | $10 |
| UHC Gold Standard+ (Dental + Vision, No Referrals) UnitedHealthcare · HMO | $637 | $814 | $1,730 | $2,000 | $8,200 | $30 |
| Paramount Essential Gold NWO, Plus Adult Dental & Vision OE Paramount · HMO | $640 | $817 | $1,736 | $2,500 | $7,500 | $15 |
| UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals) UnitedHealthcare · HMO | $640 | $818 | $1,737 | $0 | $7,700 | $15 |
| UHC Gold Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision, No Referrals) UnitedHealthcare · HMO | $645 | $824 | $1,751 | $700 | $7,000 | $10 |
| UHC Gold Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx, Dental + Vision, No Referrals) UnitedHealthcare · HMO | $652 | $833 | $1,769 | $0 | $7,700 | $15 |
| Core Gold 1500 $10 Generic Drugs CareSource · HMO | $658 | $841 | $1,787 | $1,500 | $8,000 | $20 |
| Core Gold 1500 $10 Generic Drugs + Adult Vision & Fitness CareSource · HMO | $661 | $845 | $1,795 | $1,500 | $8,000 | $20 |
| Paramount Everyday Gold NWO OE Paramount · HMO | $667 | $852 | $1,809 | $1,000 | $8,200 | $20 |
| Paramount Everyday Gold NWO Plus Adult Dental & Vision OE Paramount · HMO | $676 | $864 | $1,835 | $1,000 | $8,200 | $20 |
| Gold 2000 $15 Generic Drugs CareSource · HMO | $688 | $879 | $1,867 | $2,000 | $8,200 | $30 |
| Gold 2000 $15 Generic Drugs + Adult Vision & Fitness CareSource · HMO | $691 | $883 | $1,875 | $2,000 | $8,200 | $30 |
Care quality in Lucas County
Marketplace plans use networks. Check that the hospitals and doctors you'd want are in network, and how they're rated.
Turning 65?
Marketplace plans are for people who aren't on Medicare. See Medicare Advantage plans in Lucas County.
Frequently asked questions
How many Marketplace health plans are available in Lucas County, OH for 2026?
121 plans from 8 insurers: Ambetter from Buckeye Health Plan, Anthem Blue Cross and Blue Shield, Antidote Health Plan of Ohio, Inc., CareSource, MedMutual, Molina Healthcare, Paramount, UnitedHealthcare.
What is the benchmark silver plan premium in Lucas County, OH?
For 2026, the second-lowest-cost silver plan costs $525 a month for a 40-year-old before tax credits, up 17.8% from 2025. Tax credits are calculated from this plan, so most people who qualify pay much less.
What is the cheapest health plan in Lucas County, OH?
The lowest bronze premium for a 40-year-old is $403 a month before tax credits. Bronze plans have low premiums but high deductibles.
Did any insurers leave Lucas County, OH?
Aetna CVS Health offered plans here in 2025 but doesn't for 2026. If you had one of their plans, you'll need to pick a new plan during open enrollment, or you may be moved to a similar plan automatically.