Ranked 2 of 15 states · median $625/mo · CMS PY2026
Licensed Independent Agent · NPN #22052447 · 21 States
A 40-year-old roofer 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 highest out-of-pocket maximum, Ohio ranks 9 of 15 for this occupation.
Injury exposure means the number that matters is the out-of-pocket maximum, not the premium. A single ER visit and follow-up can hit that ceiling in one month, so these pages rank states by worst-case annual exposure rather than by monthly cost.
Occupational context: One of the highest fall-fatality rates of any US trade; heat illness.
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 roofer 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 |
|---|---|---|---|---|
| Morrow | $547 | Oscar Health Insurance | $6,000 | 6 |
| 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 |
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 — worst-case exposure | 2026 |
|---|---|
| Lowest annual out-of-pocket maximum | $0 |
| Highest annual out-of-pocket maximum | $0 |
| Cheapest Gold plan @40 | $482 — Oscar Health Insurance |
| Gold deductible | $2,000 |
| Cheapest Silver @40 | $482 — Oscar Health Insurance |
| Cheapest Silver @50 | $674 |
For a roofer, the gap between $0 and $0 in annual out-of-pocket maximum is worth more than any premium difference on this page. One serious injury reaches that ceiling regardless of which plan you picked.
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
Read the comparison as context, not as a shopping list. Your county of residence determines what you can buy, and for a roofer that is fixed unless you relocate. Where it is actionable is a move already in progress — that is a qualifying life event, and you have 60 days on either side of it.
Expense categories that typically apply to this trade: Tools, truck, fall-protection gear, liability insurance. 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.
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 Roofers in Ohio and a blog covering deductibles, subsidies and special enrollment.