Open Enrollment 2026 · Ohio & West Virginia
Health Insurance Subsidy Calculator
See roughly how much a premium tax credit could lower your monthly health insurance cost. It takes about 30 seconds. Open enrollment runs November 1 to January 15.
Ages of everyone who needs coverage
This is an estimate, not a quote or eligibility decision. It uses 2026 federal poverty guidelines and a typical Silver plan price for Ohio and West Virginia. Your actual credit depends on your county, available plans, and final income. Federal subsidy rules can change.
Health insurance subsidy questions
- Who qualifies for a health insurance subsidy in Ohio?
- Most people buying their own coverage with household income between 100% and 400% of the federal poverty level, who don't have affordable job-based coverage or Medicare.
- Is this calculator exact?
- No. It's an estimate based on a typical benchmark Silver plan. Your real tax credit depends on your county, the plans offered, and your final income for the year.
- What if my income is low?
- Ohio and West Virginia expanded Medicaid, so adults under about 138% of the poverty level may qualify for Medicaid instead of a Marketplace plan.
- Does using Policy Scout cost more?
- No. Marketplace prices are the same whether you enroll alone or through a licensed broker.