Ranked 2 of 15 states · median $625/mo · CMS PY2026
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A 40-year-old accountant in Ohio pays a median $625/month for a Silver plan before subsidies — 2th of 15 on cost. The cheapest plan in the state is $482 from Oscar Health Insurance in Butler. On cheapest Silver at age 27, Ohio ranks 4 of 15 for this occupation.
Screen-based work skews younger and healthier, which is exactly the profile a high-deductible plan is built for. The risk is real — you carry the first several thousand dollars yourself — so the tables below show what a healthy buyer pays across the age curve, not just at 40.
Occupational context: Sedentary strain: eye strain, repetitive stress, and Q1 stress load.
Worth being clear about what this does and does not affect: a carrier in Ohio cannot ask what you do for a living, cannot charge a accountant more than a librarian of the same age in the same ZIP, and cannot exclude anything you were already treated for. Occupation only tells you which plan structure to shop for.
Premium is set by rating area, so a accountant in one Ohio county can pay materially more than one an hour away. Six counties from across the state, cheapest Silver plan for a 40-year-old:
| County | Cheapest Silver @40 | Issuer | Deductible | Carriers |
|---|---|---|---|---|
| Holmes | $540 | Antidote Health Plan of Ohio | $7,500 | 6 |
| Scioto | $545 | Molina Healthcare | $7,000 | 5 |
| Tuscarawas | $603 | CareSource | $6,200 | 4 |
| Hamilton | $482 | Oscar Health Insurance | $6,000 | 8 |
| Medina | $492 | Antidote Health Plan of Ohio | $7,500 | 8 |
| Erie | $497 | Molina Healthcare | $7,000 | 6 |
The spread across just these six is $121/month — $1,449 a year for the same metal tier. Statewide the range runs $482 to $924. Coverage by County publishes all 88 Ohio counties individually.
| Ohio — the age curve | 2026 |
|---|---|
| Cheapest Silver @27 | $395 |
| Cheapest Silver @40 | $482 |
| Cheapest Silver @60 | $1,023 |
| Cheapest Bronze @40 | $406 — SummaCare |
| Bronze deductible | $8,000 |
| Lowest deductible in state | $500 |
A 27-year-old accountant in Ohio starts at $395; the same plan class at 60 starts at $1,023 — roughly 2.6× as much. If a Bronze plan here is HSA-qualified, the deduction plus low claim volume usually beats Silver on total annual cost. Confirm HSA eligibility on the plan document, not the metal tier.
Source: CMS Plan Year 2026 Qualified Health Plan Landscape file. 9,038 plan records across 88 Ohio counties. Full-price filed rates before premium tax credits — verify at enrollment.
Cheaper for the same coverage: Indiana ($558). More expensive: South Carolina ($636), Alabama ($680), Wisconsin ($687).
Side-by-side: Ohio vs Indiana · Ohio vs South Carolina · Ohio vs Alabama
Read the comparison as context, not as a shopping list. Your county of residence determines what you can buy, and for a accountant that is fixed unless you relocate. Where it is actionable is a move already in progress — that is a qualifying life event, and you have 60 days on either side of it.
If you file a Schedule C as a accountant, the categories that usually show up are: Software, licensing, CPE credits, home office. The health premium itself is normally an above-the-line deduction under IRC §162(l), which reduces AGI rather than requiring you to itemize. Your CPA should confirm it against your actual situation.
If your household income is above the subsidy range, ACA is not automatically the answer. There are other categories of coverage that may fit, and they work very differently. That is a conversation, not a web page.
The cheapest Silver plan for a 40-year-old in Ohio is $482 per month from Oscar Health Insurance, with a state median of $625. Both figures are full price before premium tax credits; most buyers pay less after subsidies.
No. Ohio exchange plans are guaranteed issue and community rated, so a accountant pays exactly what anyone else of the same age in the same ZIP pays. Occupation is not on the application as a rating factor.
No. Only HMO plans were filed for 2026.
Ohio ranks 2 of 15 states covered here, at a median $625 per month. Indiana is cheapest at $558 and Nebraska is most expensive at $875.
Above the cliff. At this income a single-person household receives no premium tax credit for 2026 and pays the full premium.
This occupation is above the cliff in all 21 states reported.
What this figure is. It is the median annual wage BLS reports for Accountants and Auditors (SOC 13-2011) in Ohio. BLS surveys wage and salary workers and excludes the self-employed, so it is a benchmark for the occupation in this state — not the income of a self-employed accountant. Premium tax credit eligibility is set by household modified adjusted gross income and household size, not by occupation, so treat this as a reference point rather than a determination of what you qualify for.
Why the cliff is back. The enhanced premium tax credits expired on 31 December 2025. For plan year 2026 the 400% FPL limit applies again, so household income above $62,600 ends premium tax credit eligibility outright.
This page compares states. For Ohio specifically — county-by-county carriers, plan data and enrollment help — I publish that on Coverage by County, including a page written for Accountants in Ohio and a blog covering deductibles, subsidies and special enrollment.
Ohio has 11 carriers filing across 88 counties right now. That list is rebuilt every year, so what you can choose from in November may not match what you see today — and for an accountant buying your own cover, who stays matters more than the headline rate.
Rate filings for 2027 point to roughly a 15% median increase nationally, from −1% at one end to 54% at the other. Ohio has not finalised, so treat exact local 2027 pricing as unavailable rather than unknown.
Enrollment opens November 1, 2026. Treat December 15 as the deadline: it guarantees January 1 cover on every marketplace, Ohio included. Conflicting end dates get quoted because a 2025 rule shortened the window and a court vacated it in June 2026, appeal pending — enrol by the 15th and the argument is irrelevant to you.
One thing 2027 will not fix: no PPO is sold anywhere in Ohio. All 88 counties offer HMO, EPO or POS only, so care outside the network is effectively emergency-only. If your work as an accountant crosses county lines, weigh that above the premium.
Because Ohio sells no PPO in any of its 88 counties, the thing that will decide your 2027 experience is which network your providers sit in — and that is far easier to check now than during the rush.
Give me a ZIP and I will tell you three things:
Rates for Accountants in Ohio are set by county, not by occupation. Start with your ZIP and I will show you the plans actually filed where you live.