Private PPO Health Insurance
in Ohio

Ohio expanded Medicaid back in 2014, which means the marketplace and private coverage here are mostly built for people above that income line — self-employed professionals, small business owners, and higher earners who want more than a narrow HMO network. Here's how private PPO coverage fits into that picture.

What We Actually Sell

Castro Coverage specializes in private PPO health insurance: broad nationwide networks, not a narrow local HMO panel, with rates based on your own health profile rather than a flat community rate. For healthy Ohioans above the Medicaid threshold, that's often a better-priced, more flexible option than a marketplace HMO plan.

• Nationwide PPO networks with far more provider choice than a narrow marketplace HMO
• Rates priced on a preferred-health basis — the pricing model rewards healthy applicants specifically
• Low-to-$0 deductible structures available on select plans (plan-specific, always confirmed before you enroll)
• Many plans include telehealth access alongside in-person care

Ohio's Marketplace Landscape in 2026

Ohio residents shop for ACA marketplace plans through the federal HealthCare.gov exchange, with 11 insurers offering coverage for 2026 — down from 13 the year before. Ohio has expanded Medicaid since 2014, so low-income adults without dependent children have a clear coverage path; for 2026, a single Ohioan earning under roughly $21,600 (138% of the federal poverty level) typically qualifies.

One thing worth watching: Ohio's proposed 2026-2027 state budget includes a provision that would discontinue Medicaid expansion if the federal government's enhanced matching rate drops below 90%. Nothing has changed yet, but it's a reminder that Medicaid eligibility isn't static — and it's exactly the kind of thing a licensed advisor should be tracking on your behalf, not something to assume will always stay the same.

General market information as of 2026, not a quote or guarantee for any specific plan. Marketplace rules and Medicaid eligibility change year to year — always confirm current details for your situation.

Why Private PPO Often Fits Better Here

If you're healthy, self-employed, or running a business in Ohio and you're above the Medicaid income threshold, a medically-underwritten private PPO plan is frequently priced better than an equivalent marketplace plan — because community rating on the marketplace charges everyone in your area and age band the same rate regardless of health, while a private plan prices to your actual risk. We compare both, starting with private, before ever recommending marketplace.

How It Works

• Tell us your situation — health, budget, and what matters most in a network.
• We compare private PPO plans and marketplace options side by side, across 50+ carriers.
• You pick a plan, we handle enrollment. Zero cost to you, zero pressure.