Health insurance & Medicare · Huber Heights, Montgomery County
Individual & Family Health Insurance in Huber Heights, Ohio
8.1% of Huber Heights adults aged 19 to 64 have no health insurance, about the same as the Ohio rate of 8.8%. Help choosing an ACA Marketplace health plan through HealthCare.gov, including checking whether you qualify for premium tax credits that lower your monthly cost. Olive, a licensed agent with Manna Financial Services in Fairborn, helps Huber Heights households compare individual and family health insurance by phone or video, and the first conversation is free.
What matters for individual and family health insurance in Huber Heights
23,668 people in Montgomery County chose a HealthCare.gov plan for 2026, and 84.2% of them received a premium tax credit, at or above the Ohio rate of 82.6%. Tax credits depend on your own household income and size, so we estimate yours before you pick a plan.
Most Montgomery County shoppers (69.2%) chose Bronze plans, which have the lowest premiums but the highest costs when you use care. If your income is lower, a Silver plan can come with cost-sharing reductions that cut deductibles, so it is worth comparing both.
Huber Heights by the numbers
- 8.1% of Huber Heights adults aged 19 to 64 have no health insurance, about the same as the Ohio rate of 8.8%.
- The median household income in Huber Heights is $76,551, above Ohio's $69,680.
- About 5,300 Huber Heights residents are between 55 and 64, the group that will reach Medicare age over the next ten years.
- 29.5% of Huber Heights households include children under 18, above the Ohio figure of 28.3%.
HealthCare.gov sign-ups in Montgomery County for 2026
| Measure | Montgomery County | Ohio |
|---|---|---|
| People who chose a Marketplace plan | 23,668 | 469,616 |
| New to the Marketplace | 4,412 | — |
| Received a premium tax credit | 84.2% | 82.6% |
| Chose a Bronze plan | 69.2% | 60.1% |
| Chose a Silver plan | 28.7% | 35.6% |
| Aged 55 to 64 | 6,057 | — |
Huber Heights and nearby communities
| Place | Uninsured adults 19–64 | Self-employed | Median household income |
|---|---|---|---|
| Huber Heights | 8.1% | 7.7% | $76,551 |
| Dayton | 10.8% | 5.3% | $43,454 |
| Centerville | 5.4% | 8.4% | $81,500 |
| Kettering | 8.8% | 9.0% | $71,619 |
| Ohio | 8.8% | 8.0% | $69,680 |
Sources: U.S. Census Bureau, American Community Survey 2019–2023 5-year estimates; CMS 2026 Marketplace Open Enrollment Period county-level public use file.
How we help with individual and family health insurance
- Compare the Marketplace plans offered in your Ohio county
- Check premium tax credit and cost-sharing eligibility
- Confirm your doctors, hospitals and prescriptions are in network
- Enroll during Open Enrollment or a Special Enrollment Period
Read our full guide to individual and family health insurance
Rules that apply across Ohio
- Ohio residents buy individual and family plans through the federal Marketplace at HealthCare.gov. Plans and prices vary by county.
- Open Enrollment runs November 1 to January 15. Enroll by December 15 for coverage that starts January 1.
- Outside Open Enrollment, a qualifying life event such as losing other coverage, moving, marriage or a new baby opens a Special Enrollment Period.
- Marketplace premiums are the same with or without an agent. Insurance companies pay the agent.
Questions from Huber Heights
When can I enroll in a Marketplace plan in Ohio?
Open Enrollment for 2027 coverage runs November 1, 2026 to January 15, 2027 on HealthCare.gov. Enroll by December 15 for coverage that starts January 1. Outside that window you need a qualifying life event, such as losing other coverage, moving, marriage or a new baby, to use a Special Enrollment Period.
How many people in Montgomery County use HealthCare.gov?
23,668 Montgomery County residents chose a Marketplace plan during Open Enrollment for 2026, and 84.2% received a premium tax credit (CMS 2026 Open Enrollment county-level data).
Do I need to visit an office in Huber Heights?
No. Olive works with Huber Heights and Montgomery County households by phone or video, so you can compare options from home. Most applications and signatures can be completed online.
Individual & Family Health Insurance near Huber Heights
Talk with Olive about individual and family health insurance.
Free, no obligation, by phone or video. Or call or text (937) 795-9877.