Ranked 2 of 15 states · median $625/mo · CMS PY2026
Prefer to talk? Call (713) 575-9904
Licensed Independent Agent · NPN #22052447 · 23 States
A 40-year-old truck driver 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.
Coverage that only works where you sleep is not coverage if you spend the week elsewhere. The binding question is whether the plan pays out of area at all, and beyond emergencies many HMOs simply do not. States below are ordered by network reach, with the no-PPO states flagged.
Occupational context: Elevated rates of obesity, sleep apnea, and back injury; DOT physical required every 24 months.
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 truck driver 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 truck driver 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 |
|---|---|---|---|---|
| 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 |
| Paulding | $538 | Molina Healthcare | $7,000 | 6 |
The spread across just these six is $19/month — $226 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 truck driver 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 truck driver 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: Truck payment, fuel, maintenance, per diem, 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.
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 Heavy and Tractor-Trailer Truck Drivers (SOC 53-3032) 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 truck driver. 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 Truck Drivers in Ohio and a blog covering deductibles, subsidies and special enrollment.
Ohio has 11 carriers filing across 88 counties right now. That list is rebuilt every year, so what you can choose from in November may not match what you see today — and for a truck driver buying your own cover, who stays matters more than the headline rate.
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.
Mark November 1, 2026 to open and December 15 to act. That second date guarantees cover from January 1 in Ohio regardless of how the current litigation over the enrollment window resolves.
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 truck driver 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:
Coverage for Truck Drivers is priced county by county across Ohio. Enter your ZIP and I will show you what is on the table.