Ohio
Cheapest ACA plans in Lorain County, Ohio for 2026
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z.
Lorain County, Ohio (Elyria and Lorain) sits west of Cleveland on Lake Erie. Eight on-exchange carriers compete here, led by Oscar (32 plans), Molina, and UnitedHealthcare. Antidote Health Plan of Ohio, CareSource, Anthem, Medical Mutual, and AultCare also sell. The cheapest Bronze plan a 40-year-old can enroll in is Antidote Health Plan of Ohio Bronze Complete 4 at roughly $399 per month before subsidies, one of the lower headlines in any high-volume county nationally. Plans sell through HealthCare.gov; Ohio runs no state premium-subsidy program.
Cheapest plans by metal tier
Lowest 2026 monthly premium for a single 40-year-old in Lorain County, on-exchange, before any subsidy. Per-age figures derived from the CMS QHP Landscape file using the HHS standardized age-rating curve (45 CFR 147.102).
| Tier | Cheapest age 40 monthly | Plans in Lorain County |
|---|---|---|
| Expanded Bronze | $399 | 45 |
| Bronze | $433 | 4 |
| Silver | $489 | 45 |
| Gold | $541 | 44 |
The actual cheapest Bronze plan in Lorain County
Antidote Health Plan of Ohio, Inc. Bronze Complete 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx
$399/moFor a family of four (two 40-year-olds and two kids under 14): Antidote Health Plan of Ohio, Inc. Bronze Complete 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx at $1,276/month before subsidies.
Carriers selling 2026 plans in Lorain County
8 carriers sell 2026 plans on Healthcare.gov; 3 additional carriers offer off-exchange-only plans (not subsidy-eligible). 231 plans total in this county.
| Carrier | On-exchange plans |
|---|---|
| Oscar | 32 |
| Molina | 22 |
| UnitedHealthcare | 17 |
| Ambetter | 16 |
| Antidote Health Plan | 15 |
| CareSource | 13 |
| Medical Mutual | 12 |
| Anthem | 11 |
Also selling off-exchange only
These carriers sell plans directly (not through Healthcare.gov). Off-exchange plans are not eligible for federal APTC or state subsidies.
| Carrier | Off-exchange plans |
|---|---|
| Buckeye Health Plan Community Solutions, Inc. | 30 |
| Medical Mutual of Ohio | 14 |
| The Health Plan of West Virginia, Inc. | 1 |
Frequently asked questions
What is the cheapest ACA plan in Lorain County, Ohio for 2026?
The cheapest Bronze plan a 40-year-old can enroll in is Antidote Health Plan of Ohio, Inc. Bronze Complete 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx at $399 per month before subsidies. Plans sell through Healthcare.gov. Data refreshed 2026-04-19T08:08:55.462Z.
Does Ohio use Healthcare.gov?
Yes. Ohio participates in the federally-facilitated Marketplace (FFM), so enrollment and subsidy applications run through healthcare.gov. Ohio does not operate a state-based exchange for PY2026.
Has Ohio expanded Medicaid?
Yes, effective January 1, 2014. Gov. John Kasich used the Ohio Controlling Board to approve Medicaid expansion funding over legislative resistance. Adults 19-64 up to 138% FPL qualify regardless of parental status or disability, so there is no coverage gap in Ohio.
Which carriers sell Marketplace plans in Ohio?
Ohio's carrier map is relatively fragmented. PY2026 participants historically include Medical Mutual of Ohio, CareSource, Ambetter / Buckeye Health Plan (Celtic / Centene), Oscar, Molina, and AultCare (Northeast OH / Stark County). Lineup varies by county; confirm on healthcare.gov during Open Enrollment.
More Ohio pricing
Sources
- HealthCare.gov for enrollment, OEP dates, and federal APTC / CSR application.
- Ohio Department of Insurance for rate review, carrier filings, and consumer guidance.
- Ohio Department of Medicaid for Ohio Medicaid eligibility and managed care plans.
- KFF: Ohio State Health Facts for Medicaid expansion, enrollment, and benchmark premium context.
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z. Methodology and full data attribution at about.