2027 marketplace changes in Ohio

Which insurance companies are leaving the Ohio marketplace in 2027

Who is leaving, what's left in your county, and what to do before the deadline. Last checked October 5, 2026.

The short answer

Two insurance companies are leaving the Ohio marketplace for 2027.

CareSource (confirmed). CareSource told its providers it leaves the Ohio marketplace on January 1, 2027, and that coverage stays active through December 31, 2026. In 2026 it sold marketplace plans in 88 of Ohio's 88 counties. source
Molina (confirmed). Molina's own 2027 Ohio filing offers just one plan, sold off the marketplace only, so Molina leaves the Ohio marketplace for 2027. In 2026 it sold marketplace plans in 80 of Ohio's 88 counties. source

Altogether, 88 of Ohio's 88 counties lose at least one marketplace insurer.

Where Ohioans have the fewest choices

Every Ohio county still has more than one marketplace company, although the choices get pretty limited in some places. Based on this year's plans, six counties will have only two companies, Anthem and Medical Mutual: Athens, Crawford, Knox, Lawrence, Marion and Richland. That includes the Ohio University area around Athens, plus Mansfield, Mount Vernon, Marion, Bucyrus and Ironton. If that's where you live, compare both provider networks and check your doctors before December 15.

Residents of larger Ohio counties still have a broader selection. Cuyahoga, Franklin, Hamilton, Montgomery and Stark retain six marketplace insurers apiece, while Summit has seven. For people in Cleveland, Columbus, Cincinnati, Dayton, Canton and Akron, the priority is finding coverage that includes their doctors.

Molina's remaining direct-purchase plan comes with an important catch: marketplace premium tax credits cannot be used on it. Even if your income qualifies for assistance, you'd owe the full premium. And some residents face another switch after Aetna's 2026 Ohio marketplace exit. Anyone who moved from Aetna to CareSource or Molina will need to select coverage again.

According to the Ohio Department of Insurance, approximately 54,000 people have marketplace coverage through these two insurers. If that includes you, your coverage expires December 31, 2026. Make sure you choose a replacement during open enrollment. Ohio's final 2027 rates are also reported to be up about 16.3% on average before subsidies, so shop again even if your company stays.

Ohio offered no marketplace PPO plans in 2026, so neither departure eliminates that option. But if you're healthy and paying the entire premium yourself, I'd recommend comparing the cost of a nationwide PPO. I can help you get one in Ohio.

What's left in your county

These are the 88 Ohio counties where at least one marketplace insurer is leaving. For each one you can see who's leaving, how many marketplace insurers are left, and which ones.

The Ohio marketplace had no PPO plans in 2026, so none of the exits takes a PPO away; you just have fewer HMO, EPO and similar plans to pick from.

See every county that loses an insurer

County	Insurer leaving	Insurers left	Who's left (2026 plans)	Marketplace PPO after
Adams	CareSource; Molina	4	Ambetter (Centene); Anthem (Elevance); Medical Mutual; UnitedHealthcare	No
Allen	CareSource; Molina	4	Ambetter (Centene); Anthem (Elevance); Medical Mutual; UnitedHealthcare	No
Ashland	CareSource	3	Ambetter (Centene); Anthem (Elevance); Medical Mutual	No
Ashtabula	CareSource; Molina	3	Anthem (Elevance); Medical Mutual; Oscar	No
Athens	CareSource; Molina	2	Anthem (Elevance); Medical Mutual	No
Auglaize	CareSource; Molina	3	Ambetter (Centene); Anthem (Elevance); Medical Mutual	No
Belmont	CareSource; Molina	3	Ambetter (Centene); Anthem (Elevance); Medical Mutual	No
Brown	CareSource; Molina	6	Ambetter (Centene); Anthem (Elevance); Antidote Health Plan of Ohio, Inc.; Medical Mutual; Oscar; UnitedHealthcare	No
Butler	CareSource; Molina	6	Ambetter (Centene); Anthem (Elevance); Antidote Health Plan of Ohio, Inc.; Medical Mutual; Oscar; UnitedHealthcare	No
Carroll	CareSource; Molina	5	Ambetter (Centene); Anthem (Elevance); Antidote Health Plan of Ohio, Inc.; Medical Mutual; Oscar	No
Champaign	CareSource; Molina	6	Ambetter (Centene); Anthem (Elevance); Antidote Health Plan of Ohio, Inc.; Medical Mutual; Oscar; UnitedHealthcare	No
Clark	CareSource; Molina	6	Ambetter (Centene); Anthem (Elevance); Antidote Health Plan of Ohio, Inc.; Medical Mutual; Oscar; UnitedHealthcare	No
Clermont	CareSource; Molina	6	Ambetter (Centene); Anthem (Elevance); Antidote Health Plan of Ohio, Inc.; Medical Mutual; Oscar; UnitedHealthcare	No
Clinton	CareSource; Molina	5	Ambetter (Centene); Anthem (Elevance); Medical Mutual; Oscar; UnitedHealthcare	No
Columbiana	CareSource; Molina	4	Ambetter (Centene); Anthem (Elevance); Medical Mutual; UnitedHealthcare	No
Coshocton	CareSource; Molina	4	Anthem (Elevance); Antidote Health Plan of Ohio, Inc.; Medical Mutual; Oscar	No
Crawford	CareSource; Molina	2	Anthem (Elevance); Medical Mutual	No
Cuyahoga	CareSource; Molina	6	Ambetter (Centene); Anthem (Elevance); Antidote Health Plan of Ohio, Inc.; Medical Mutual; Oscar; UnitedHealthcare	No
Darke	CareSource; Molina	6	Ambetter (Centene); Anthem (Elevance); Antidote Health Plan of Ohio, Inc.; Medical Mutual; Oscar; UnitedHealthcare	No
Defiance	CareSource; Molina	5	Ambetter (Centene); Anthem (Elevance); Antidote Health Plan of Ohio, Inc.; Medical Mutual; UnitedHealthcare	No
Delaware	CareSource; Molina	5	Ambetter (Centene); Anthem (Elevance); Antidote Health Plan of Ohio, Inc.; Medical Mutual; Oscar	No
Erie	CareSource; Molina	4	Ambetter (Centene); Anthem (Elevance); Medical Mutual; UnitedHealthcare	No
Fairfield	CareSource; Molina	5	Ambetter (Centene); Anthem (Elevance); Antidote Health Plan of Ohio, Inc.; Medical Mutual; Oscar	No
Fayette	CareSource; Molina	4	Ambetter (Centene); Anthem (Elevance); Medical Mutual; Oscar	No
Franklin	CareSource; Molina	6	Ambetter (Centene); Anthem (Elevance); Antidote Health Plan of Ohio, Inc.; Medical Mutual; Oscar; UnitedHealthcare	No
Fulton	CareSource; Molina	4	Ambetter (Centene); Anthem (Elevance); Medical Mutual; UnitedHealthcare	No
Gallia	CareSource; Molina	3	Anthem (Elevance); Antidote Health Plan of Ohio, Inc.; Medical Mutual	No
Geauga	CareSource; Molina	5	Ambetter (Centene); Anthem (Elevance); Antidote Health Plan of Ohio, Inc.; Medical Mutual; Oscar	No
Greene	CareSource; Molina	6	Ambetter (Centene); Anthem (Elevance); Antidote Health Plan of Ohio, Inc.; Medical Mutual; Oscar; UnitedHealthcare	No
Guernsey	CareSource; Molina	3	Anthem (Elevance); Antidote Health Plan of Ohio, Inc.; Medical Mutual	No
Hamilton	CareSource; Molina	6	Ambetter (Centene); Anthem (Elevance); Antidote Health Plan of Ohio, Inc.; Medical Mutual; Oscar; UnitedHealthcare	No
Hancock	CareSource; Molina	3	Ambetter (Centene); Anthem (Elevance); Medical Mutual	No
Hardin	CareSource; Molina	5	Ambetter (Centene); Anthem (Elevance); Antidote Health Plan of Ohio, Inc.; Medical Mutual; UnitedHealthcare	No
Harrison	CareSource; Molina	4	Ambetter (Centene); Anthem (Elevance); Medical Mutual; Oscar	No
Henry	CareSource; Molina	4	Ambetter (Centene); Anthem (Elevance); Medical Mutual; UnitedHealthcare	No
Highland	CareSource; Molina	5	Ambetter (Centene); Anthem (Elevance); Medical Mutual; Oscar; UnitedHealthcare	No
Hocking	CareSource; Molina	5	Ambetter (Centene); Anthem (Elevance); Antidote Health Plan of Ohio, Inc.; Medical Mutual; Oscar	No
Holmes	CareSource; Molina	4	Anthem (Elevance); Antidote Health Plan of Ohio, Inc.; Medical Mutual; Oscar	No
Huron	CareSource; Molina	4	Ambetter (Centene); Anthem (Elevance); Medical Mutual; UnitedHealthcare	No
Jackson	CareSource; Molina	4	Ambetter (Centene); Anthem (Elevance); Antidote Health Plan of Ohio, Inc.; Medical Mutual	No
Jefferson	CareSource; Molina	3	Ambetter (Centene); Anthem (Elevance); Medical Mutual	No
Knox	CareSource	2	Anthem (Elevance); Medical Mutual	No
Lake	CareSource; Molina	5	Ambetter (Centene); Anthem (Elevance); Antidote Health Plan of Ohio, Inc.; Medical Mutual; Oscar	No
Lawrence	CareSource; Molina	2	Anthem (Elevance); Medical Mutual	No
Licking	CareSource; Molina	4	Anthem (Elevance); Antidote Health Plan of Ohio, Inc.; Medical Mutual; Oscar	No
Logan	CareSource; Molina	6	Ambetter (Centene); Anthem (Elevance); Antidote Health Plan of Ohio, Inc.; Medical Mutual; Oscar; UnitedHealthcare	No
Lorain	CareSource; Molina	6	Ambetter (Centene); Anthem (Elevance); Antidote Health Plan of Ohio, Inc.; Medical Mutual; Oscar; UnitedHealthcare	No
Lucas	CareSource; Molina	5	Ambetter (Centene); Anthem (Elevance); Antidote Health Plan of Ohio, Inc.; Medical Mutual; UnitedHealthcare	No
Madison	CareSource; Molina	5	Ambetter (Centene); Anthem (Elevance); Medical Mutual; Oscar; UnitedHealthcare	No
Mahoning	CareSource; Molina	5	Ambetter (Centene); Anthem (Elevance); Antidote Health Plan of Ohio, Inc.; Medical Mutual; UnitedHealthcare	No
Marion	CareSource; Molina	2	Anthem (Elevance); Medical Mutual	No
Medina	CareSource	7	Ambetter (Centene); Anthem (Elevance); Antidote Health Plan of Ohio, Inc.; Medical Mutual; Oscar; SummaCare; UnitedHealthcare	No
Meigs	CareSource; Molina	3	Anthem (Elevance); Antidote Health Plan of Ohio, Inc.; Medical Mutual	No
Mercer	CareSource; Molina	3	Ambetter (Centene); Anthem (Elevance); Medical Mutual	No
Miami	CareSource; Molina	6	Ambetter (Centene); Anthem (Elevance); Antidote Health Plan of Ohio, Inc.; Medical Mutual; Oscar; UnitedHealthcare	No
Monroe	CareSource; Molina	4	Ambetter (Centene); Anthem (Elevance); Antidote Health Plan of Ohio, Inc.; Medical Mutual	No
Montgomery	CareSource; Molina	6	Ambetter (Centene); Anthem (Elevance); Antidote Health Plan of Ohio, Inc.; Medical Mutual; Oscar; UnitedHealthcare	No
Morgan	CareSource; Molina	5	Ambetter (Centene); Anthem (Elevance); Antidote Health Plan of Ohio, Inc.; Medical Mutual; Oscar	No
Morrow	CareSource; Molina	4	Ambetter (Centene); Anthem (Elevance); Medical Mutual; Oscar	No
Muskingum	CareSource; Molina	3	Anthem (Elevance); Antidote Health Plan of Ohio, Inc.; Medical Mutual	No
Noble	CareSource; Molina	4	Ambetter (Centene); Anthem (Elevance); Antidote Health Plan of Ohio, Inc.; Medical Mutual	No
Ottawa	CareSource; Molina	4	Ambetter (Centene); Anthem (Elevance); Medical Mutual; UnitedHealthcare	No
Paulding	CareSource; Molina	4	Ambetter (Centene); Anthem (Elevance); Antidote Health Plan of Ohio, Inc.; Medical Mutual	No
Perry	CareSource; Molina	5	Ambetter (Centene); Anthem (Elevance); Antidote Health Plan of Ohio, Inc.; Medical Mutual; Oscar	No
Pickaway	CareSource; Molina	5	Ambetter (Centene); Anthem (Elevance); Antidote Health Plan of Ohio, Inc.; Medical Mutual; Oscar	No
Pike	CareSource; Molina	3	Ambetter (Centene); Anthem (Elevance); Medical Mutual	No
Portage	CareSource	7	Ambetter (Centene); Anthem (Elevance); Antidote Health Plan of Ohio, Inc.; Medical Mutual; Oscar; SummaCare; UnitedHealthcare	No
Preble	CareSource; Molina	6	Ambetter (Centene); Anthem (Elevance); Antidote Health Plan of Ohio, Inc.; Medical Mutual; Oscar; UnitedHealthcare	No
Putnam	CareSource; Molina	4	Ambetter (Centene); Anthem (Elevance); Antidote Health Plan of Ohio, Inc.; Medical Mutual	No
Richland	CareSource; Molina	2	Anthem (Elevance); Medical Mutual	No
Ross	CareSource; Molina	3	Ambetter (Centene); Anthem (Elevance); Medical Mutual	No
Sandusky	CareSource; Molina	4	Ambetter (Centene); Anthem (Elevance); Medical Mutual; UnitedHealthcare	No
Scioto	CareSource; Molina	3	Ambetter (Centene); Anthem (Elevance); Medical Mutual	No
Seneca	CareSource; Molina	5	Ambetter (Centene); Anthem (Elevance); Antidote Health Plan of Ohio, Inc.; Medical Mutual; UnitedHealthcare	No
Shelby	CareSource; Molina	5	Ambetter (Centene); Anthem (Elevance); Medical Mutual; Oscar; UnitedHealthcare	No
Stark	CareSource; Molina	6	Ambetter (Centene); Anthem (Elevance); Antidote Health Plan of Ohio, Inc.; Medical Mutual; Oscar; SummaCare	No
Summit	CareSource	7	Ambetter (Centene); Anthem (Elevance); Antidote Health Plan of Ohio, Inc.; Medical Mutual; Oscar; SummaCare; UnitedHealthcare	No
Trumbull	CareSource; Molina	5	Ambetter (Centene); Anthem (Elevance); Antidote Health Plan of Ohio, Inc.; Medical Mutual; UnitedHealthcare	No
Tuscarawas	CareSource	3	Anthem (Elevance); Medical Mutual; Oscar	No
Union	CareSource; Molina	6	Ambetter (Centene); Anthem (Elevance); Antidote Health Plan of Ohio, Inc.; Medical Mutual; Oscar; UnitedHealthcare	No
Van Wert	CareSource; Molina	3	Ambetter (Centene); Anthem (Elevance); Medical Mutual	No
Vinton	CareSource; Molina	5	Ambetter (Centene); Anthem (Elevance); Antidote Health Plan of Ohio, Inc.; Medical Mutual; Oscar	No
Warren	CareSource; Molina	6	Ambetter (Centene); Anthem (Elevance); Antidote Health Plan of Ohio, Inc.; Medical Mutual; Oscar; UnitedHealthcare	No
Washington	CareSource	3	Anthem (Elevance); Antidote Health Plan of Ohio, Inc.; Medical Mutual	No
Wayne	CareSource; Molina	5	Ambetter (Centene); Anthem (Elevance); Antidote Health Plan of Ohio, Inc.; Medical Mutual; Oscar	No
Williams	CareSource	4	Ambetter (Centene); Anthem (Elevance); Medical Mutual; UnitedHealthcare	No
Wood	CareSource; Molina	4	Ambetter (Centene); Anthem (Elevance); Medical Mutual; UnitedHealthcare	No
Wyandot	CareSource; Molina	4	Ambetter (Centene); Anthem (Elevance); Medical Mutual; UnitedHealthcare	No

County data: CMS 2026 marketplace plan data source. Insurers are counted by company, and the table uses each company's 2026 service area, so a company that enters or expands for 2027 isn't counted yet. I'll update it when the 2027 plan list publishes in late October.

What happens to your plan

Your coverage doesn't end immediately just because the insurer is leaving. The existing policy continues through December 31, 2026, and you're entitled to written notice beforehand. Federal requirements call for at least 90 calendar days of notice when an insurer discontinues a plan, or at least 180 calendar days when it withdraws completely from a state's individual market. Haven't received anything yet? Contact your insurer and request the notice.

Here's where people often misunderstand the process. Under federal regulation 45 CFR 155.335, the marketplace may place you with another insurer when your current company has no remaining marketplace plan. That's permission, not a guarantee. State law and the regulator's instructions govern the transfer. Without specific direction, the marketplace chooses a "similar" plan. The regulation doesn't require anyone to verify that your doctors or medications are covered.

Purchased your coverage directly from the insurer rather than through the marketplace? Its automatic re-enrollment provisions don't apply to your policy. You'll have to select replacement coverage on your own.

HealthCare.gov opens enrollment November 1. You should receive 2 notices by that point, one from your insurer and another from the marketplace. The marketplace notice identifies any replacement plan you'll be placed in if you haven't acted by December 15. HealthCare.gov also warns that automatic re-enrollment doesn't happen in every situation.

Choose your replacement no later than December 15 to begin coverage January 1. Enrolling from December 16 through January 15 gives you a February 1 effective date. If your previous policy ends December 31, that means going without coverage for January.

You might still qualify to enroll after the regular window closes. HealthCare.gov recognizes discontinued coverage as a qualifying event, and federal regulations allow 60 days before and 60 days after your old plan's termination to select replacement coverage. I wouldn't rely on that as your first choice. Make sure you're eligible before planning around those dates.

What to do now

The way I'd approach this depends on your particular situation and where things stand for you. Whichever route makes sense, the next step is the same: let's talk on the phone before the deadline.

Scenario 1 of 2

Your income qualifies you for help with the premium

When your household qualifies for a premium tax credit, marketplace coverage is generally the more affordable route because you can't apply that credit anywhere else. Still, don't accept an automatic plan selection without checking it. Compare every remaining insurer in your county before December 15, and verify your prescriptions and doctors against the new plan's network. Your old plan's network doesn't determine what the new one covers.

Next step: Share your estimated income, medication list and doctors with me. I'll help you choose a Ohio marketplace policy that fits before enrollment closes.

Talk it through with Sam → Call 813-999-0101

Scenario 2 of 2

You pay full price and you're healthy

If your income puts you outside the tax credit range, you're responsible for the entire marketplace premium, with your choices limited to the insurers serving your county. That's when I'd also consider private coverage. Medically underwritten plans use nationwide PPO networks, and their pricing reflects your health. Healthy applicants may pay less than the marketplace's unsubsidized rate. There are tradeoffs: insurers ask medical questions and can reject an application or exclude a preexisting condition. We'll review those details together before you decide.

Next step: Give me a call, and I'll compare a nationwide PPO quote for your household with the marketplace coverage offered in your Ohio county.

Talk it through with Sam → Call 813-999-0101

You can still get a nationwide PPO in Ohio

Regardless of which insurers remain on your county's marketplace, I can help you obtain a nationwide PPO in Ohio. The Ohio marketplace had no PPO plans in 2026, so none of the exits takes a PPO away; you just have fewer HMO, EPO and similar plans to pick from.

For healthy people paying the entire marketplace premium, it's worth comparing private, medically underwritten PPO coverage. These plans offer networks extending nationwide. I carry health insurance licenses in 36 states, including Ohio.

Questions about insurers leaving Ohio

Straight answers, no sales pitch.

Which insurance companies are leaving the Ohio marketplace in 2027?

CareSource (confirmed) and Molina (confirmed). Altogether, 88 of Ohio's 88 counties lose at least one marketplace insurer.

If my insurance company leaves, will I be moved to a new plan automatically?

Possibly, but there's no guarantee. Federal rules permit the marketplace to assign a comparable plan from another insurer when state law and regulators allow it. HealthCare.gov specifically cautions that automatic re-enrollment isn't always available. And if your current coverage was purchased outside the marketplace, that process won't apply. My advice is to choose your replacement yourself.

What's the deadline to pick a new Ohio plan for 2027?

To start coverage January 1 through HealthCare.gov, enroll by December 15. You have until January 15 before open enrollment ends, but selecting a plan after December 15 means it won't take effect until February 1.

Can I still get a PPO in Ohio?

Yes. I can help you find a nationwide PPO available in Ohio. The Ohio marketplace had no PPO plans in 2026, so none of the exits takes a PPO away; you just have fewer HMO, EPO and similar plans to pick from.

Sources

CareSource sold individual marketplace plans in 88 of 88 Ohio counties in 2026 (CMS 2026 plan data, counted by company) source
CareSource told its providers it leaves the Ohio marketplace on January 1, 2027, and that coverage stays active through December 31, 2026. source
Molina sold individual marketplace plans in 80 of 88 Ohio counties in 2026 (CMS 2026 plan data, counted by company) source
Molina's own 2027 Ohio filing offers just one plan, sold off the marketplace only, so Molina leaves the Ohio marketplace for 2027. source
After the confirmed and reported exits, 88 of 88 Ohio counties lose at least one marketplace insurer and 0 are left with one, counting the 2026 plans of the companies that stay (CMS 2026 plan data) source
Ohio marketplace PPO plans in 2026: 0 of 88 counties; after the confirmed exits: 0 (CMS 2026 plan data) source
Medical Mutual is not leaving Ohio: members of its HMO company are being moved to Medical Mutual plans, which its 2027 filing says will be sold statewide. source
Paramount did not file 2027 Ohio rates, but its owner, Medical Mutual, sells statewide in 2027; whether Paramount members are moved to Medical Mutual plans is not clear yet. source
Aetna left the individual marketplace in Ohio for 2026, when CVS Health exited the individual exchange business where Aetna ran its own ACA plans. source
HealthCare.gov says that by November 1 you should get 2 letters, one from your current insurance company and one from the Marketplace, and that in some cases you won't be automatically re-enrolled source
45 CFR 155.335(j)(3): when no plans from the same insurer are available, the Exchange "may enroll the enrollee in a QHP issued by a different issuer, to the extent permitted by applicable State law", as the state regulator directs or, if it does not, "in a similar QHP from a different issuer, as determined by the Exchange" source
HealthCare.gov open enrollment starts November 1; enroll by December 15 for coverage that starts January 1, or December 16 to January 15 for coverage that starts February 1 source
45 CFR 155.420: losing coverage is a triggering event, the loss date is the last day of the old plan's coverage, and the person has 60 days before and 60 days after it to pick a new plan source
HealthCare.gov lists "Your individual plan or your Marketplace plan is discontinued (no longer exists)" as a qualifying event for a special enrollment period source
45 CFR 147.106: an insurer that drops a product must give written notice at least 90 calendar days before coverage ends; one that leaves a state's individual market entirely must give at least 180 calendar days notice and cannot return to that market for 5 years source
Molina's 80 Ohio marketplace counties in 2026 were all also CareSource counties, so 80 counties lose both companies for 2027 (CMS 2026 plan data) source
Counting the 2026 plans of the companies that stay, 6 Ohio counties keep 2 marketplace insurers (Athens, Crawford, Knox, Lawrence, Marion and Richland, each with Anthem and Medical Mutual), while Cuyahoga, Franklin, Hamilton, Montgomery and Stark keep 6 and Summit keeps 7 source
The Ohio Department of Insurance says about 54,000 Ohioans are on CareSource and Molina marketplace plans that end December 31, 2026 (Dayton Daily News, quoting ODI) source
Ohio's final 2027 individual-market rates average about a 16.3% increase before subsidies (reported, Oct. 15, 2026) source

Last checked October 5, 2026. I update this page when the 2027 plan list publishes in late October.

Got a letter? Bring it to the call.

Call me with your county, the people who need coverage and the details of your notice. I'll compare the remaining Ohio marketplace plans with a nationwide PPO quote and help you decide before enrollment ends. I'm licensed in 36 states, and we can handle everything by phone.

Book a free call → Call 813-999-0101 Send a message