Ranked 2 of 15 states · median $625/mo · CMS PY2026
Licensed Independent Agent · NPN #22052447 · 21 States
A 40-year-old psychologist 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 on-your-feet work produces steady, predictable claims — routine visits, refills, physical therapy, the occasional urgent care. That profile is decided by copay design and by whether your providers are in network, not by the sticker premium, so carrier count sits alongside cost below.
Occupational context: Emotional load and burnout; sedentary strain.
This is background for choosing a plan, not for pricing one. Since 2014 every Ohio exchange plan has been guaranteed issue and community rated: same age, same ZIP, same tobacco status means the same filed premium whether you are a psychologist or an accountant. Occupation changes the shopping criteria, nothing else.
Premium is set by rating area, so a psychologist 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 |
|---|---|---|---|---|
| Pike | $545 | Molina Healthcare | $7,000 | 5 |
| Crawford | $592 | Molina Healthcare | $7,000 | 4 |
| Marion | $665 | Molina Healthcare | $7,000 | 4 |
| Lake | $489 | Molina Healthcare | $7,000 | 7 |
| Clinton | $495 | Oscar Health Insurance | $6,000 | 7 |
| Wyandot | $497 | Molina Healthcare | $7,000 | 6 |
The spread across just these six is $176/month — $2,109 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 psychologist 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 psychologist 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.
Expense categories that typically apply to this trade: Licensing, malpractice insurance, EHR software, CE. Premiums are generally deductible above the line under IRC §162(l) when no employer plan is available to you or your spouse — a question for your CPA, not your agent.
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.
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 Psychologists in Ohio and a blog covering deductibles, subsidies and special enrollment.