Health insurance & Medicare · Toledo, Lucas County
Individual & Family Health Insurance in Toledo, Ohio
9.2% of Toledo 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 Toledo 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 Toledo
18,145 people in Lucas County chose a HealthCare.gov plan for 2026, and 83.1% 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 Lucas County shoppers (65.0%) 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.
Toledo's uninsured rate for working-age adults (9.2%) is above the Ohio average. If you have been without coverage, Open Enrollment (November 1 to January 15) is the time to enroll; outside it you need a qualifying life event.
Toledo by the numbers
- 9.2% of Toledo adults aged 19 to 64 have no health insurance, about the same as the Ohio rate of 8.8%.
- 6.3% of Toledo workers are self-employed, below the Ohio figure of 8.0%. Self-employed people have no employer plan for health, life or disability coverage.
- The median household income in Toledo is $47,532, well below Ohio's $69,680.
- 26.4% of Toledo households include children under 18, below the Ohio figure of 28.3%.
HealthCare.gov sign-ups in Lucas County for 2026
| Measure | Lucas County | Ohio |
|---|---|---|
| People who chose a Marketplace plan | 18,145 | 469,616 |
| New to the Marketplace | 2,835 | — |
| Received a premium tax credit | 83.1% | 82.6% |
| Chose a Bronze plan | 65.0% | 60.1% |
| Chose a Silver plan | 32.0% | 35.6% |
| Aged 55 to 64 | 5,029 | — |
Toledo and nearby communities
| Place | Uninsured adults 19–64 | Self-employed | Median household income |
|---|---|---|---|
| Toledo | 9.2% | 6.3% | $47,532 |
| Bowling Green | 5.6% | 7.2% | $46,719 |
| Findlay | 7.8% | 7.5% | $57,344 |
| Lima | 10.6% | 4.5% | $43,370 |
| 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 Toledo
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 Lucas County use HealthCare.gov?
18,145 Lucas County residents chose a Marketplace plan during Open Enrollment for 2026, and 83.1% received a premium tax credit (CMS 2026 Open Enrollment county-level data).
Do I need to visit an office in Toledo?
No. Olive works with Toledo and Lucas 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 Toledo
Talk with Olive about individual and family health insurance.
Free, no obligation, by phone or video. Or call or text (937) 795-9877.