Health insurance options in Columbus
Residents of Columbus and Franklin County buy coverage from two markets: HealthCare.gov, with guaranteed-issue plans from Anthem, Medical Mutual of Ohio, CareSource, Oscar, and Ambetter priced on income, and the private shared-network market, with PPO plans on Cigna, Aetna and PHCS PPO priced on health. Most people in Columbus have only been shown the first.
What it costs in Columbus
A healthy 40-year-old in Columbus pays roughly $550–$850 a month full price on the marketplace in 2026, or roughly $320–$480 on a private PPO. A family of four: roughly $1,500–$2,500 marketplace full price versus $800–$1,300 private. Prices depend on age, deductible and health; see live numbers on the quoting tool.
Keeping your Columbus doctors
Marketplace plans in Ohio are increasingly HMOs tied to one hospital system. The Cigna, Aetna and PHCS PPO PPO networks include most major providers in Franklin County and work in every state — we check your specific doctors before you enroll.
The Ohio factor
Ohio's three big metros each have their own dominant health systems, so people who live in one city and work or travel in another often need a network that crosses them. Ohio has no state individual mandate.