Ohio Health Insurance — Built Around Your Life
I help Ohio individuals, the self-employed, 1099 contractors, families, and small businesses — from Columbus, Cincinnati, and Cleveland to Dayton, Akron, and Toledo — find private under-65 coverage that fits real life and real budgets. I work by phone and video, so wherever you are in Ohio never gets in the way.
Open Enrollment for 2027 coverage
For 2027 plans, Open Enrollment generally runs November 1, 2026 through January 15, 2027 — enroll by December 15 for a January 1 start (a few state-run marketplaces set their own dates, which I'll confirm for you). Worth knowing this year: the enhanced premium subsidies that held costs down through 2025 have scaled back, so many self-employed people in Ohio are seeing higher premiums for 2027 — if you're near the income cutoff, it's worth re-running your numbers rather than assuming last year's plan still fits. See the full 2027 Open Enrollment guide or run your numbers in the estimator.
How health coverage works in Ohio
Ohio uses the federal marketplace at HealthCare.gov for ACA plans, which are guaranteed-issue and subsidy-eligible if your income qualifies. But it isn't your only path. Many self-employed Ohioans and families who earn too much for a subsidy — or got priced out — turn to private under-65 plans, which often offer PPO-style flexibility and year-round enrollment. I help you compare both honestly, and you decide.
Who I help across Ohio
- Self-employed Ohioans and 1099 contractors who have to find their own plan
- Families and individuals looking outside an employer plan, from the big metros to small-town Ohio
- People whose COBRA is running out, or who left a job and need coverage without a gap
- Small business owners setting up a plan for themselves and their team
- Early retirees who need a bridge to carry them to Medicare
A broker who's still there after you enroll
I'm independent, so I compare your real options and recommend what fits you — even when it earns me nothing. One licensed advisor, start to finish, not a call center, and I am still here after you enroll. Licensed in 31 states, including Ohio. (Ryan Michalek, NPN 21043091.)
Quick answers for Ohio.
Can I buy coverage in Ohio outside open enrollment?
Often, yes. If you've had a qualifying event — losing coverage, moving, a change in your household — that typically opens a special enrollment window on HealthCare.gov. Outside of that, many private under-65 plans are built to enroll year-round, so there's usually still a path forward.
Do you serve all of Ohio?
Yes, statewide — Columbus, Cincinnati, Cleveland, and every smaller town in between. I work by phone and video, so where you live never gets in the way.
Is there a fee to work with you?
No. I'm paid a commission by the insurance carrier once you enroll, so there's no fee to you for the time we spend comparing options.
Explore coverage by situation.
Self-employed & 1099
Buying your own coverage as a freelancer, contractor, or solo business owner.
Explore self-employed →Families & individuals
Coverage for your household, built around your budget and doctors.
Explore family coverage →COBRA & coverage gaps
COBRA ending, between jobs, or losing a plan? Move fast and avoid a gap.
See gap options →Moving to a new state
A move can open a special window — and your plan may not cross state lines.
What changes when you move →Covering a team? Explore small business & group coverage → · See all service areas →
Call and you get me, not a script. No robocalls, no spam, no pressure to enroll — just a real conversation about your options.
Let's find your Ohio coverage.
Fifteen honest minutes with a real licensed broker — I'll compare your choices and you decide.