ACA Marketplace Health Insurance for 2027

How the Marketplace works in Ohio, Michigan, Indiana and Florida

The Health Insurance Marketplace, created by the Affordable Care Act, is where individuals and families who don’t get coverage through work can buy health insurance. Ohio, Michigan, Indiana and Florida all use HealthCare.gov, the federal Marketplace platform. Kris is licensed in all four states, so she can help whether you live in Perrysburg, winter in Florida or have family across the Michigan line.

Every Marketplace plan must cover essential health benefits, including doctor visits, hospital care, emergency services, prescriptions, maternity care, mental health care and preventive services. Plans can’t deny you or charge more because of a pre-existing condition. Your premium depends on your age, ZIP code, tobacco use, household size and the plan you choose.

The key feature is the premium tax credit, which can lower your monthly premium based on your expected household income for the year. You can apply it in advance to your monthly bill, then reconcile it when you file your taxes. You can enroll online through the shop online page, or Kris can walk you through it step by step.

What changed for 2027: subsidies and the 400% cliff

The enhanced premium tax credits that made Marketplace coverage more affordable in recent years expired at the end of 2025, and Congress hasn’t restored them as of October 2026. That means the original ACA rules are back. For 2027, premium tax credits are generally available for households earning roughly 100% to 400% of the federal poverty level.

Above 400%, there’s generally no credit at all. This is often called the subsidy cliff. A household just over the line can lose its entire credit and see a much larger premium. Early retirees in their late 50s and early 60s, who pay higher age-based premiums, can feel this most.

Two more changes deserve attention. The caps that once limited how much excess advance credit you had to pay back at tax time no longer apply, so if your income ends up higher than estimated, you could owe the full difference. And insurers proposed a median premium increase of about 15% for 2027, according to Peterson-KFF. Kris is a licensed agent, not a tax adviser, so check income questions with your tax professional.

Metal tiers: Bronze, Silver, Gold and Platinum

Marketplace plans are grouped into metal tiers that show how you and the plan share costs. The tier doesn’t change the quality of care or which essential benefits are covered. It changes the balance between your monthly premium and what you pay when you use care.

Bronze plans have the lowest premiums and the highest out-of-pocket costs. Silver plans sit in the middle and are the only tier that offers cost-sharing reductions. Gold and Platinum plans have higher premiums but lower deductibles and copays, which can make sense if you expect regular care. People under 30, or those with certain hardship exemptions, may also see catastrophic plans.

Your tax credit is calculated using a benchmark Silver plan in your area, but you can apply it to a plan in any metal tier. Because the credit amount stays the same whichever tier you pick, it can bring a Bronze premium down sharply, or help you afford the richer coverage of a Gold plan. Kris will show you both views so you can weigh the monthly cost against the risk of a big bill.

Cost-sharing reductions on Silver plans

If your household income is up to 250% of the federal poverty level, you may qualify for cost-sharing reductions. These lower your deductible, copays and out-of-pocket maximum, but only if you choose a Silver plan. This benefit remains in place for 2027.

Cost-sharing reductions are easy to overlook. A Bronze plan may show a lower premium, but for someone who qualifies, an enhanced Silver plan can cost far less once you actually need care. Kris will look at both the premium and the likely total cost before suggesting a tier.

Both tax credits and cost-sharing reductions depend on your estimated household income for the coming year, not last year’s. For self-employed people, early retirees drawing from savings, or anyone with income that changes month to month, that estimate takes some thought. A careful, realistic number helps you avoid both overpaying now and owing money back when you file your taxes.

• Available only on Silver plans bought through the Marketplace
• Generally for household income up to 250% of the federal poverty level
• Lowers deductibles, copays and out-of-pocket maximums
• Can make Silver a stronger value than Bronze for many households

Open enrollment dates and Special Enrollment Periods

For 2027 coverage, open enrollment runs November 1, 2026 through January 15, 2027 in Ohio, Michigan, Indiana and Florida. Enroll by December 15 for coverage starting January 1. If you enroll between December 16 and January 15, coverage starts February 1. CMS confirmed these dates in August 2026 after a court struck down a shorter window.

Outside open enrollment, you need a qualifying life event to get a Special Enrollment Period. You’ll have a limited window after the event to enroll, so don’t wait. If you’re between coverage and don’t qualify, short-term medical may serve as a temporary bridge, though it isn’t ACA coverage.

Turning 65 soon? Once you’re eligible for Medicare Part A, you generally can’t keep receiving premium tax credits for a Marketplace plan, so timing your switch matters. Your Medicare Initial Enrollment Period starts three months before your 65th-birthday month. Kris can help you move from a Marketplace plan to Medicare without a gap in coverage or a surprise tax bill.

• Losing job-based or other qualifying health coverage
• Moving to a new ZIP code or county
• Getting married, having a baby or adopting a child
• Certain changes in household income

How Kris helps with Marketplace coverage in northwest Ohio

Kris begins by estimating your 2027 household income and size, which drives your tax credit and cost-sharing eligibility. Then she gathers your doctors, prescriptions and preferred hospitals. In the Toledo area, that often means checking whether a plan includes the ProMedica, Mercy Health or University of Toledo Medical Center providers you already use.

Health carriers she works with include Ambetter, Anthem, CareSource, Medical Mutual, Molina and Paramount, among others; which ones offer Marketplace plans varies by county. She compares the options, explains the trade-offs and enrolls you. Afterward, she stays available year-round for income updates, ID card questions and next year’s review. Need dental too? Ask about dental, vision and hearing plans, or request a quote to start.

Marketplace coverage often fits early retirees in Perrysburg, Maumee and Sylvania who are bridging the years before Medicare, along with self-employed people and small-business owners across northwest Ohio. You can meet at her office on West South Boundary Street, by phone or by video. Because she’s licensed in Ohio, Michigan, Indiana and Florida, she can also help family members in those states.

• Estimate your 2027 tax credit and cost-sharing eligibility
• Check doctors, hospitals and prescriptions against each plan
• Compare metal tiers and carriers in your county
• Enroll you through HealthCare.gov
• Help with income changes and annual renewals

Who aca marketplace health insurance may be right for

• Self-employed people and small-business owners without group coverage
• Early retirees who aren’t yet eligible for Medicare
• Families whose employer coverage is unaffordable or unavailable
• People who lost job-based coverage and qualify for a Special Enrollment Period
• Households near the 400% income line who need a careful look at 2027 costs

Health Insurance Carriers Kris represents

Availability varies by county and changes every year. Kris will show you which of these carriers offer plans where you live.

• Aetna
• Allstate
• Ambetter
• Anthem
• CareSource
• Humana
• Manhattan Life
• Medical Mutual
• Molina
• Paramount
• Pivot

See all carrier partners