Ranked 2 of 15 states · median $625/mo · CMS PY2026
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A 40-year-old mortgage broker 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 counties covered, Ohio ranks 6 of 15 for this occupation.
Once your work crosses county and state lines, network geography stops being a detail and becomes the whole decision. An HMO contracted in one metro leaves you paying cash 200 miles down the road, and a handful of states filed no PPO at all for 2026. These rankings lead with reach.
Occupational context: Sedentary and high-stress cycles tied to rate swings.
Two things get confused here constantly. Risk exposure decides what coverage you should buy. It does not decide what you are charged — Ohio carriers rate on age, ZIP, tobacco and family size, full stop. A mortgage broker with a bad back and a healthy 40-year-old office worker in the same county see the same number.
Premium is set by rating area, so a mortgage broker 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 |
|---|---|---|---|---|
| Meigs | $604 | Antidote Health Plan of Ohio | $7,500 | 5 |
| Warren | $482 | Oscar Health Insurance | $6,000 | 8 |
| Portage | $492 | Antidote Health Plan of Ohio | $7,500 | 8 |
| Huron | $497 | Molina Healthcare | $7,000 | 6 |
| Columbiana | $506 | Molina Healthcare | $7,000 | 6 |
| Morgan | $519 | Oscar Health Insurance | $6,000 | 7 |
The spread across just these six is $122/month — $1,465 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 reach | 2026 |
|---|---|
| Counties in the state | 88 |
| Counties with only one carrier | 0 (0%) |
| Plan types available | HMO |
| PPO available on exchange | No |
| Carriers filing in the state | 11 |
| Cheapest Silver @40 | $482 — Butler |
Ohio has no PPO plans on the exchange at all. For a mortgage broker covering distance, that single fact outweighs premium: 0 of 88 counties here are served by one carrier, so an HMO bought in one metro may leave you out of network for the rest of your route.
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 mortgage broker 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.
Deduction categories that generally fit this trade: Licensing, CRM, E&O insurance, lead costs. Note the ordering problem with health premiums: the §162(l) deduction lowers your AGI, and your AGI is what sets your premium tax credit, so the two calculate against each other. That is a CPA conversation and worth having before you enroll, not after.
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 mortgage broker 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 sits above the cliff in 17 of the 21 states reported and below it in the other 4, so the answer changes with the state.
What this figure is. It is the median annual wage BLS reports for Loan Officers (SOC 13-2072) 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 mortgage broker. 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 Mortgage Brokers in Ohio and a blog covering deductibles, subsidies and special enrollment.
The Ohio market currently runs to 11 carriers over 88 counties. Carriers re-file every year, and for Mortgage Brokers the question that actually decides your renewal is which of them are still there in November.
On price the only honest number today is national: the Peterson-KFF read of 2027 filings puts the median proposed rise near 15%, spanning −1% to 54%. Final Ohio rates are not approved, so any precise 2027 figure quoted for this state is guesswork.
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 a mortgage broker 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:
The sticker price is rarely what Mortgage Brokers in Ohio end up paying. Start with a ZIP and I will work out your actual number.