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Manna Financial Services

Health insurance & Medicare

Individual & Family Health Insurance (ACA Marketplace)

Help choosing an ACA Marketplace health plan through HealthCare.gov, including checking whether you qualify for premium tax credits that lower your monthly cost. Using a licensed agent does not change the price of the plan.

Book a free callCall (937) 795-9877

How individual and family health insurance works

Ohio uses the federal Marketplace at HealthCare.gov. If you are self-employed, between jobs, retired before 65, or your employer does not offer affordable coverage, a Marketplace plan may fit. Plans are grouped into metal levels (Bronze, Silver, Gold) that trade a lower monthly premium against higher costs when you use care. Many households qualify for premium tax credits based on expected income and household size. We compare the plans available in your county, check that your doctors and prescriptions are covered, and help you enroll. Agents are paid by the insurance company, so our help costs you nothing extra.

Ohio residents enroll through the federal Marketplace at HealthCare.gov. Plan choices and prices vary by county.

What we help with

  • 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
  • Year-round help with renewals, income changes and claims questions

Often a good fit for

  • Self-employed people, gig workers and small-business owners
  • Early retirees not yet eligible for Medicare
  • Families who lost or left job-based coverage

Good to know in 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.

Common questions

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.

Does using an agent cost more?

No. Marketplace premiums are the same whether you enroll on your own, with a navigator or with a licensed agent. Insurance companies pay agents a commission.

Can you tell me if I qualify for lower premiums?

We can estimate it with you from your expected household income and size, and the Marketplace application confirms the final amount. Tax credits are reconciled on your federal tax return, so it matters to report income changes during the year.

Individual & Family Health Insurance by city

We help people across Ohio. These are the communities closest to our Fairborn office; see all areas we serve.

Related coverage

Talk with Olive about individual and family health insurance.

Free, no obligation, by phone or video. Or call or text (937) 795-9877.

Book a free call