Compare your Ohio coverage options with a licensed advisor. Individual, family, self-employed, and small business plans, marketplace subsidies, and enrollment help, explained in plain language.
Verifiable credentials, NPN 21610992.
Talk to a licensed advisor, not a call center.
Understand your options at your own pace.
Ohio residents have several coverage paths, from marketplace plans and subsidies to private options and employer coverage. Whether you are self-employed, raising a family, or running a small business, clear guidance on how coverage works in Ohio is the first step toward a plan that fits.
Ohio uses the federal Health Insurance Marketplace at HealthCare.gov. Individual and family plans are compared and enrolled through the federal marketplace or directly with private carriers.
Ohio has expanded Medicaid, so more lower-income residents may qualify for Medicaid coverage. If your income is above that threshold, income-based marketplace subsidies (premium tax credits) can lower your monthly cost.
Open enrollment for Ohio plans generally runs November 1 through January 15. Qualifying life events, like losing coverage, marriage, or a new baby, open a special 60-day window any time of year.
Jordon Murphy Health is a licensed advisory firm serving Ohio residents. We help you compare options, understand costs, and enroll with confidence, at no cost to you.
In April 2025, Ohio wrote the federal hospital price-transparency rule directly into state law, with its own fine schedule for hospitals that don't post prices. More than a year in, public enforcement records show a real gap between what the state is catching and what federal regulators are catching — worth knowing whether you're comparing hospital costs or just trying to read a bill that finally has real numbers on it.
Ohio House Bill 173 took effect April 3, 2025, after Governor Mike DeWine signed it on January 3, 2025. The law writes the federal hospital price-transparency rule into Ohio's own Revised Code (sections 3727.31-3727.40), requiring every Ohio hospital to publicly post shoppable-service prices in actual dollar amounts, not just ranges or estimates. According to PatientRightsAdvocate.org, the national patient-advocacy group that pushed for the law, Ohio was the first state in the nation to codify the federal rule this way; that distinction comes from the advocacy group itself rather than an independent 50-state survey, so it's presented here as their claim, not a neutral ranking.
Hospitals that don't comply face administrative penalties that by law cannot be set any lower than a bed-count formula: at least $300 per day for hospitals with 30 beds or fewer, at least $10 per bed per day for hospitals with 31 to 550 beds, and at least $5,500 per day for hospitals with more than 550 beds. Each day a violation continues counts as a separate violation, and the Ohio Department of Health can set the penalty higher based on factors like repeat violations and severity. These bed-count numbers are the statutory minimum, not a maximum fine.
A News 5 Cleveland investigation (published June 25, 2026) found that over the first five months of 2026, Ohio's own health department cited at most 5 different hospitals for noncompliance, while a federal review by CMS cited 19 different Ohio hospitals over that same January-May window, nearly four times as many. Ohio Department of Health officials confirmed to the reporters that they don't audit every hospital each month; they publish the list the law requires. Separately, the state's very first noncompliance list (in 2025) named about six hospitals, and by June 2026 the current monthly list was down to just one, though that's a different, longer time span than the CMS comparison above, not the same stretch.
In December 2025, the national nonprofit PatientRightsAdvocate.org launched OhioHospitalPrices.org, a free tool that lets Ohio patients, employers, and researchers search and compare hospital prices by procedure and billing code, built from the disclosure data hospitals are now required to post under the state's price-transparency law.
We serve Ohio residents across Columbus, Cleveland, Cincinnati, Toledo, and Akron and statewide.
Personal coverage for Ohio residents without an employer plan.
Learn MoreProtect your whole household under one Ohio plan.
Learn MoreFlexible coverage for Ohio freelancers and contractors.
Learn MoreGroup health benefits for Ohio teams of 2 to 50.
Learn MoreIt can, but coverage is uneven. Ohio law (effective April 2025) requires every hospital to post real shoppable-service prices, and the free tool OhioHospitalPrices.org lets you search them by procedure. Public enforcement records show state and federal regulators are catching different sets of noncompliant hospitals, so not every hospital's posted prices are complete yet. When we help you compare plans, we look at whether the hospitals in your actual network are complying, not just whether a network exists on paper.
Ohio uses the federal Health Insurance Marketplace at HealthCare.gov. Individual and family plans are compared and enrolled through the federal marketplace or directly with private carriers. We help you compare both marketplace and private options and choose the one that fits your doctors, prescriptions, and budget.
Many residents qualify for income-based premium tax credits that lower monthly costs. Ohio has expanded Medicaid, so more lower-income residents may qualify for Medicaid coverage. If your income is above that threshold, income-based marketplace subsidies (premium tax credits) can lower your monthly cost. We check whether you qualify and help you set an accurate income estimate.
Open enrollment for Ohio plans generally runs November 1 through January 15. Qualifying life events, like losing coverage, marriage, or a new baby, open a special 60-day window any time of year.
Yes. We work with Ohio individuals, families, self-employed professionals, and small business owners across Columbus, Cleveland, Cincinnati, Toledo, and Akron and statewide, matching each situation to the right coverage.
Talk through your options with a licensed advisor who serves Ohio. No cost, no pressure.