Ranked 2 of 15 states · median $625/mo · CMS PY2026
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A 40-year-old videographer 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.
Work that crosses county and state lines makes network geography the binding constraint. A cheap HMO that only contracts in one metro is worthless 200 miles away, so these pages rank states by network reach and flag the ones with no PPO on the exchange at all.
Occupational context: Heavy gear lifting; location and travel exposure.
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 videographer 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 videographer 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 |
|---|---|---|---|---|
| Wyandot | $497 | Molina Healthcare | $7,000 | 6 |
| Defiance | $515 | Antidote Health Plan of Ohio | $7,500 | 8 |
| Jefferson | $523 | Ambetter from Buckeye | $6,000 | 5 |
| Clark | $526 | Antidote Health Plan of Ohio | $7,500 | 8 |
| Fairfield | $528 | Antidote Health Plan of Ohio | $7,500 | 7 |
| Vinton | $536 | Oscar Health Insurance | $6,000 | 7 |
The spread across just these six is $39/month — $468 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 videographer 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 videographer weighing a relocation for other reasons, the premium difference is a real line item worth putting in the decision.
If you file a Schedule C as a videographer, the categories that usually show up are: Cameras, drones, editing suite, vehicle, insurance. The health premium itself is normally an above-the-line deduction under IRC §162(l), which reduces AGI rather than requiring you to itemize. Your CPA should confirm it against your actual situation.
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 sits above the cliff in 4 of the 21 states reported and below it in the other 17, so the answer changes with the state.
What this figure is. It is the median annual wage BLS reports for Film and Video Editors (SOC 27-4032) 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 videographer. 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 Videographers 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 Videographers the question that actually decides your renewal is which of them are still there in November.
Nobody can tell you your 2027 Ohio premium yet. Filings nationally cluster around a 15% median increase, with the full spread running −1% to 54% — and until this state signs off, a specific local number is invention.
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 videographer 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:
Rates for Videographers in Ohio are set by county, not by occupation. Start with your ZIP and I will show you the plans actually filed where you live.