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Marketplace health plans in Lorain County, OH — 2026
What agents look up before working a county's individual market: plans by metal level, insurers, the benchmark silver premium, the lowest bronze premium, deductible and out-of-pocket floors, the population under 65, and what changed since last year.
In 2026, Lorain County, Ohio has 138 Marketplace health plans from 9 insurers: 49 bronze, 45 silver, 44 gold. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $489.54 per month; the lowest bronze premium is $399.
What changed vs 2025
- Benchmark silver premium up $82.25 a month (+20.2%) from 2025
- 8 more plans than 2025
- Insurers entered: Oscar Health Insurance
- Insurers exited: Aetna CVS Health
- Lowest bronze premium up $86.64 a month
Market snapshot
- Residents under 65
- 254,227
- Insurers
- 9
- Plans by metal level
- 49 bronze, 45 silver, 44 gold
- Benchmark silver premium, age 40, before subsidies
- $489.54/mo
- Lowest bronze premium, age 40, before subsidies
- $399/mo
- Lowest gold premium, age 40, before subsidies
- $540.99/mo
- Lowest silver deductible
- $0
- Lowest out-of-pocket maximum
- $5,500
Insurers in the county
- Molina Healthcare — 22 plans (Bronze, Silver, Gold)
- UnitedHealthcare — 17 plans (Bronze, Silver, Gold)
- Ambetter from Buckeye Health Plan — 16 plans (Bronze, Silver, Gold)
- Oscar Health Insurance — 16 plans (Bronze, Silver, Gold)
- Oscar Insurance Corporation of Ohio — 16 plans (Bronze, Silver, Gold)
- Antidote Health Plan of Ohio, Inc. — 15 plans (Bronze, Silver, Gold)
- CareSource — 13 plans (Bronze, Silver, Gold)
- MedMutual — 12 plans (Bronze, Silver, Gold)
- Anthem Blue Cross and Blue Shield — 11 plans (Bronze, Silver, Gold)
Lowest age-40 premium per metal level, before subsidies
| Metal level | Plan | Insurer | Plan type | Monthly premium, age 40 | Deductible | Out-of-pocket maximum | Plans at this level |
|---|
| Bronze | Bronze Complete 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx (31981OH0020010) | Antidote Health Plan of Ohio, Inc. | HMO | $399 | $8,700 | $10,600 | 49 |
|---|
| Silver | Molina Silver Saver with Four Free PCP Visits (64353OH0010010) | Molina Healthcare | HMO | $489.29 | $7,000 | $10,150 | 45 |
|---|
| Gold | Gold Classic Standard (29341OH0100053) | Oscar Health Insurance | HMO | $540.99 | $2,000 | $8,200 | 44 |
|---|
One plan per metal level shown, of 138 plans in the county.
Benchmark silver premium by age
The benchmark plan (Molina Healthcare) at each age, individual, non-tobacco, before any premium tax credit.
| Age 21 | Age 27 | Age 30 | Age 40 | Age 50 | Age 60 |
|---|
| $383.05 | $401.44 | $434.76 | $489.54 | $684.13 | $1,039.60 |
Nearby counties
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About this data
Premiums are individual, non-tobacco, age 40, before any premium tax credit, from the CMS QHP Landscape Individual Market Medical file for plan year 2026; population: U.S. Census Bureau ACS 5-year 2024.
This page summarizes publicly available CMS data. It does not recommend plans and is not an application. To check subsidy eligibility and enroll, use HealthCare.gov or talk to a licensed agent. HealthCare.gov plan preview.