Health insurance & Medicare · Troy, Miami County
Supplemental Health Insurance in Troy, Ohio
34.1% of Troy households include children under 18, well above the Ohio figure of 28.3%. Accident, critical illness, hospital indemnity, cancer, dental and vision coverage that can pay benefits alongside your main health plan. Olive, a licensed agent with Manna Financial Services in Fairborn, helps Troy households compare supplemental health insurance by phone or video, and the first conversation is free.
What matters for supplemental health insurance in Troy
67.9% of Miami County Marketplace shoppers chose Bronze plans for 2026, which carry high deductibles. Accident, critical illness and hospital plans pay cash benefits that can help cover that gap.
34.1% of Troy households include children. Accident plans are a common choice for active families, while hospital and critical illness plans are more common for people with Medicare (16.1% of Troy residents are 65 or older).
Troy by the numbers
- 34.1% of Troy households include children under 18, well above the Ohio figure of 28.3%.
- 6.4% of Troy adults aged 19 to 64 have no health insurance, below the Ohio rate of 8.8%.
- 16.1% of Troy residents are 65 or older, about 4,300 people, below Ohio's 17.9%.
- 5.9% of Troy workers are self-employed, below the Ohio figure of 8.0%. Self-employed people have no employer plan for health, life or disability coverage.
Medicare in Miami County
| Measure | Miami County | Ohio |
|---|---|---|
| People with Medicare | 26,141 | 2,635,104 |
| In Medicare Advantage or other health plans | 54.4% | 56.6% |
| In Original Medicare | 45.6% | 43.4% |
| Getting Extra Help with drug costs | 3,708 | — |
Troy and nearby communities
| Place | Households with children | 65 or older | Uninsured adults 19–64 |
|---|---|---|---|
| Troy | 34.1% | 16.1% | 6.4% |
| Piqua | 26.2% | 16.7% | 7.6% |
| Tipp City | 32.9% | 19.9% | 3.1% |
| Dayton | 25.6% | 13.7% | 10.8% |
| Ohio | 28.3% | 17.9% | 8.8% |
Sources: U.S. Census Bureau, American Community Survey 2019–2023 5-year estimates; CMS Medicare Monthly Enrollment, July 2026.
How we help with supplemental health insurance
- Accident and critical illness plans that pay cash benefits
- Hospital indemnity coverage for inpatient stays
- Dental and vision plans for individuals and families
- Pairs with ACA, employer or Medicare coverage
Rules that apply across Ohio
- Supplemental plans pay fixed benefits and are not major medical coverage. They do not count as ACA minimum essential coverage.
- Many accident, critical illness and hospital plans pay benefits to you directly, to use as you choose.
- Waiting periods and pre-existing condition limits vary by policy, so we compare them before you apply.
Questions from Troy
Is supplemental insurance the same as health insurance?
No. Supplemental plans pay limited, fixed benefits for specific events and do not replace major medical coverage. They work best alongside a health plan.
Do I need to visit an office in Troy?
No. Olive works with Troy and Miami County households by phone or video, so you can compare options from home. Most applications and signatures can be completed online.
Talk with Olive about supplemental health insurance.
Free, no obligation, by phone or video. Or call or text (937) 795-9877.