Cleveland Health Insurance Costs
Average benchmark Silver plan in Cleveland runs $412/month for a 40-year-old before subsidies. After ACA tax credits, most residents pay much less.
Top Cleveland Carriers
We compare every major carrier serving Cleveland ZIP codes in real time.
Major Cleveland Hospitals We Cover
We verify your preferred hospital is in-network before you enroll. Out-of-network bills can be 3-5× higher.
Cleveland Open Enrollment 2027
Open enrollment for 2027 coverage runs November 1, 2026 – January 15, 2027. Outside that window, Cleveland residents need a qualifying life event to buy or switch a marketplace plan.
| 2027 Open Enrollment | Date |
|---|---|
| Open Enrollment opens | November 1, 2026 |
| Last day to enroll for coverage starting January 1 | December 15, 2026 |
| Open Enrollment closes (coverage starts February 1) | January 15, 2027 |
Most Cleveland residents live in Cuyahoga County, where plan choices and prices are set by county and ZIP code. Ohio uses the federal marketplace, HealthCare.gov. A 2025 rule that would have ended enrollment on December 15 was struck down — here is why the deadline is January 15.
What changes for Cleveland enrollees in 2027
- Smaller credits, and a cliff at 400%. With the enhanced credits gone, a single adult in Cleveland earning $35,000 is expected to pay about $219/mo toward the benchmark Silver plan in 2027 (credit $193/mo). Earn over $63,840 and there is no credit at all, so at today's $412 benchmark you would pay full price — see what else changed.
- Compare before you renew. If you do nothing you are usually re-enrolled, but Medical Mutual of Ohio and other Cleveland carriers can change premiums, networks and drug lists for 2027. Shop again before December 15, and update your 2027 income estimate so you are not repaying credit at tax time.
- Medicaid: Ohio expanded Medicaid, so adults earning up to 138% of the poverty level — about $22,025 a year for a single adult in 2026 — usually qualify for Medicaid instead of a marketplace plan, and can apply any time of year.
Estimated 2027 tax credit for a single adult in Cleveland
Based on Cleveland's current benchmark Silver estimate of $412/month for a 40-year-old and the IRS 2027 contribution percentages:
| Single adult income | % of poverty level | Your 2027 share | Est. tax credit | Benchmark Silver after credit |
|---|---|---|---|---|
| $25,000 | 157% | 4.63% of income ($96/mo) | $316/mo | $96/mo |
| $35,000 | 219% | 7.51% of income ($219/mo) | $193/mo | $219/mo |
| $45,000 | 282% | 9.66% of income ($362/mo) | $50/mo | $362/mo |
| $55,000 | 345% | 10.22% of income ($468/mo) | $0/mo | $412/mo |
| $65,000 | 407% | No credit above 400% | $0 | $412/mo |
2027 premiums post on November 1, so your exact credit will differ. Ages, household size and ZIP code all change the number — try the subsidy calculator or get an exact quote.
Before you pick a Cleveland plan
- Your hospital: confirm Cleveland Clinic, University Hospitals or MetroHealth is in the plan's network — networks differ even between plans from the same company.
- Carriers: companies that have sold marketplace plans in Cleveland include Medical Mutual of Ohio, Anthem Blue Cross Blue Shield, CareSource and SummaCare; the 2027 lineup is confirmed when plans post on November 1.
- Total yearly cost: add 12 months of premium to the deductible and copays you expect — use our printable comparison worksheet.
Free help enrolling in Cleveland
A licensed TrustedQuotes agent can compare every Cleveland plan, check your doctors and prescriptions, and estimate your 2027 credit at no cost to you — call (954) 805-7882. If you prefer, free in-person help near you is listed at HealthCare.gov's Find Local Help.
More for Ohio: Ohio Open Enrollment 2027 Ohio marketplace plans 2027 Open Enrollment guide Health insurance in Cincinnati Health insurance in Columbus Health insurance in Toledo Health insurance in Akron
Cleveland Health Insurance FAQ
When is open enrollment in Cleveland for 2027?
Where do Cleveland residents sign up for 2027 health insurance?
Can I still get a subsidy in Cleveland in 2027?
How much does health insurance cost in Cleveland?
What hospitals are in network in Cleveland?
Who are the top insurance carriers in Cleveland?
Can I get coverage in Cleveland year-round?
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