Ranked 2 of 15 states · median $625/mo · CMS PY2026
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A 40-year-old private tutor 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 strain; travel between client homes.
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 private tutor 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 private tutor 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 |
|---|---|---|---|---|
| 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 |
| Stark | $504 | Molina Healthcare | $7,000 | 8 |
| Coshocton | $519 | Oscar Health Insurance | $6,000 | 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 — 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 private tutor 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
Cross-state numbers are useful for understanding whether Ohio is treating you well, not for arbitrage. You cannot buy an out-of-state exchange plan. If you are a private tutor weighing a relocation for other reasons, the premium difference is a real line item worth putting in the decision.
Self-employed Private Tutors in Ohio typically deduct: Materials, vehicle mileage, background checks, software. 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.
It cannot happen on an exchange plan. Rating in Ohio uses four inputs only: age, ZIP code, tobacco use and how many people are on the policy. Trade, injury history and pre-existing conditions are all excluded from pricing by law.
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.
Below the cliff. At this income a single-person household remains eligible for a premium tax credit in 2026.
This occupation is below the cliff in all 21 states reported.
What this figure is. It is the median annual wage BLS reports for Tutors (SOC 25-3041) 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 private tutor. 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 Private Tutors 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 Private Tutors the question that actually decides your renewal is which of them are still there in November.
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.
The window opens November 1, 2026, and December 15 is the date worth writing down — it is what secures January 1 cover in Ohio and everywhere else. You will find later dates quoted; they stem from a 2025 rule that was vacated in June 2026 and is under appeal.
There is still no PPO on the Ohio marketplace — not in any of its 88 counties. Every plan is an HMO, EPO or POS, which for a private tutor working across a wide area is the binding constraint, not price.
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:
Most Private Tutors here are buying their own coverage without an employer. One ZIP is all I need to show you what is available in your part of Ohio.