Ranked 2 of 15 states · median $625/mo · CMS PY2026
Licensed Independent Agent · NPN #22052447 · 21 States
A 40-year-old chiropractor 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 median Silver premium, Ohio ranks 2 of 15 for this occupation.
When you use coverage regularly, the annual total is driven by what each visit costs and whether the clinician you already see is contracted. A plan $40 cheaper that drops your specialist is not cheaper. These rankings pair median premium with how many carriers actually file in the state.
Occupational context: Repetitive hand, wrist, and lower-back strain from adjustments.
None of that changes your price. ACA plans in Ohio are community rated — premium varies by age, ZIP code, tobacco use and household size only. Your occupation cannot be used to rate you, decline you, or exclude a condition. What it changes is which plan design is the right bet.
Premium is set by rating area, so a chiropractor 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 |
|---|---|---|---|---|
| Greene | $526 | Antidote Health Plan of Ohio | $7,500 | 8 |
| Licking | $528 | Antidote Health Plan of Ohio | $7,500 | 6 |
| Fayette | $538 | Oscar Health Insurance | $6,000 | 6 |
| Paulding | $538 | Molina Healthcare | $7,000 | 6 |
| Jackson | $544 | Antidote Health Plan of Ohio | $7,500 | 6 |
| Guernsey | $566 | Antidote Health Plan of Ohio | $7,500 | 5 |
The spread across just these six is $41/month — $486 a year for the same metal tier. Statewide the range runs $482 to $924. Coverage by County publishes all 88 Ohio counties individually.
| Ohio — network and cost | 2026 |
|---|---|
| Median Silver premium @40 | $625 |
| Cheapest Silver @40 | $482 — Oscar Health Insurance (Butler) |
| Most expensive Silver @40 | $924 |
| Carriers filing in the state | 11 — Ambetter from Buckeye, Anthem Blue Cross and Blue Shield, Antidote Health Plan of Ohio, CareSource |
| Plan types available | HMO |
| Counties with only one carrier | 0 of 88 |
Ohio has 11 carriers filing and 0 of 88 counties served by a single issuer. For a chiropractor with an established provider relationship, that carrier count is the number that decides whether you keep your doctor.
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
A caveat on the table above: rating is by residence, not by job site. A chiropractor living in Ohio and working across a state line still buys Ohio plans. A genuine permanent move does trigger a special enrollment period, but the plan year restarts with a fresh deductible.
If you file a Schedule C as a chiropractor, the categories that usually show up are: Malpractice insurance, table and equipment, licensing, CE. 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. Under the ACA, carriers cannot rate, decline, or exclude based on occupation or health history. Rates vary only by age, ZIP code, tobacco use and household size.
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.
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 Chiropractors in Ohio and a blog covering deductibles, subsidies and special enrollment.