Ranked 2 of 15 states · median $625/mo · CMS PY2026
Licensed Independent Agent · NPN #22052447 · 21 States
A 40-year-old nurse practitioner 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.
Patient-facing and standing work means steady, predictable utilization — regular visits, prescriptions, physical therapy. Copay structure and network breadth drive real annual cost more than the headline premium, so these pages rank states on median premium and carrier count together.
Occupational context: Needlestick and infectious exposure; standing strain.
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 nurse practitioner 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 nurse practitioner 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 |
|---|---|---|---|---|
| Stark | $504 | Molina Healthcare | $7,000 | 8 |
| Coshocton | $519 | Oscar Health Insurance | $6,000 | 6 |
| Noble | $523 | Ambetter from Buckeye | $6,000 | 6 |
| 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 |
The spread across just these six is $34/month — $408 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 nurse practitioner 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 nurse practitioner 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.
Self-employed Nurse Practitioners in Ohio typically deduct: Malpractice insurance, licensing, DEA registration, CE. Health premiums sit separately, above the line under IRC §162(l), and only when neither you nor a spouse could have joined an employer plan — eligibility disqualifies you even if you declined the coverage.
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 nurse practitioner 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.
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 Nurse Practitioners in Ohio and a blog covering deductibles, subsidies and special enrollment.