- 8carriers selling 2026 marketplace plans in Franklin County
- 130plans on the Franklin shelf, from 43 bronze to 41 gold
- $538benchmark silver for a 40 year old in Franklin, full price per month
Who sells marketplace plans in Franklin County
Franklin County and Cuyahoga County, the two Ohio counties I track, have the same number of carriers, eight each. Across all 79 counties and parishes I track in 24 states, eleven have more carriers than Franklin. No single company dominates Franklin County, where the largest lineup is 22 plans (Molina Healthcare) and the smallest is 11 (Anthem Blue Cross and Blue Shield).
| Carrier | Plans | Bronze | Silver | Gold | Network types |
|---|---|---|---|---|---|
| Molina Healthcare | 22 | 8 | 6 | 8 | HMO 22 |
| CareSource Leaving for 2027 | 21 | 4 | 9 | 8 | HMO 21 |
| UnitedHealthcare | 17 | 5 | 6 | 6 | HMO 17 |
| Ambetter from Buckeye Health Plan | 16 | 6 | 4 | 6 | HMO 16 |
| OscarOscar Health Insurance | 16 | 6 | 7 | 3 | HMO 16 |
| Antidote Health PlanAntidote Health Plan of Ohio, Inc. | 15 | 5 | 5 | 5 | HMO 15 |
| MedMutual | 12 | 4 | 4 | 4 | HMO 12 |
| Anthem Blue Cross and Blue Shield | 11 | 5 | 5 | 1 | HMO 11 |
Franklin plan counts from the CMS 2026 landscape file (county FIPS 39049, Rating Area 9). Bronze includes expanded bronze, and companies CMS lists under more than one legal issuer are grouped with the legal names underneath.
Leaving Franklin County for 2027
CareSource sells 21 of the 130 plans in Franklin County this year. CareSource is leaving the Ohio individual market, on and off exchange, for 2027. After that exit, seven carriers are left from the 2026 Franklin lineup: Molina Healthcare, UnitedHealthcare, Ambetter from Buckeye Health Plan, Oscar, Antidote Health Plan, MedMutual and Anthem Blue Cross and Blue Shield. If you are enrolled with CareSource in Franklin, you will get a notice this fall. If you do nothing you are moved to a replacement plan picked on price and metal level, and nothing in that process checks your doctors or prescriptions.
What it costs in Franklin County before any subsidy
These are the full monthly prices, before any premium tax credit, for the cheapest Franklin plan at each metal level. I show the sticker price because it is what your subsidy is subtracted from, and most people who enroll in Franklin pay less, often a lot less.
| Monthly premium, full price | Age 21 | Age 40 | Age 60 | Couple, both 40 | Couple 40 + 2 kids |
|---|---|---|---|---|---|
| Lowest bronze | $311 | $397 | $844 | $795 | $1,270 |
| Lowest silver | $413 | $528 | $1,121 | $1,055 | $1,687 |
| Benchmark silver (second lowest) | $421 | $538 | $1,143 | $1,076 | $1,720 |
| Lowest gold | $421 | $538 | $1,142 | $1,075 | $1,719 |
Benchmark silver is the second lowest of the 46 silver premiums listed for Franklin. The last column is two adults aged 40 plus two children.
What these numbers mean if you live in Franklin County
Gold and silver are almost the same price in Franklin County. The cheapest gold at 40 is $538, between the cheapest silver ($528) and the benchmark ($538). So for anyone in Franklin who does not qualify for extra silver discounts, gold costs $10 more than the cheapest silver and gold deductibles here top out at $3,500.
In Franklin County the benchmark is $141 above the cheapest bronze at age 40, and 17 of the other 78 counties and parishes I track have a narrower one. That gap decides whether bronze can be free, because your subsidy is the $538 benchmark minus what the government expects you to pay from your income. A 40 year old in Franklin whose expected share is $141 a month or less would pay nothing for the cheapest bronze. At 60 the Franklin gap grows to $299 and at 21 it shrinks to $110, which is why older enrollees are the ones most likely to find a $0 plan.
Cuyahoga County, around Cleveland, is the other Ohio county I track. Compared with Cuyahoga County, the Franklin benchmark is $48 higher at 40 and the cheapest bronze is $2 lower. The same eight carriers sell in both, so moving between Franklin and Cuyahoga changes the price you pay but not the companies you can pick from.
Franklin plans by metal level, network and deductible
| Metal level | Plans | $0 deductible | Deductible range |
|---|---|---|---|
| Bronze | 3 | 0 | $10,600 to $10,600 |
| Expanded Bronze | 40 | 3 | $0 to $10,600 |
| Silver | 46 | 3 | $0 to $7,500 |
| Gold | 41 | 3 | $0 to $3,500 |
| Total | 130 | 9 |
There is not a single PPO on the 2026 marketplace in Franklin County. All 130 plans are HMO plans. Outside emergencies, the 130 HMO plans in Franklin generally pay nothing out of network, so the network list matters more than the premium. 9 plans in Franklin have a $0 medical deductible (3 silver, 3 gold and 3 expanded bronze). The 3 bronze ones among them still have out of pocket maximums of $10,600, so a $0 deductible does not mean a small bill.
Every Franklin price on this page is before subsidies, and most enrollees pay less. For a 40 year old in Franklin the premium tax credit is measured against the $538 benchmark. Estimate your own subsidy, or send me your ZIP and I will run the Franklin numbers for you.
2027 plans for Franklin County
These are the 2026 plans and prices for Franklin County. The 2027 plans and prices are published around November 1, 2026, and I will update this page with the new Franklin numbers then. Open enrollment for 2027 coverage in Ohio runs from November 1, 2026 to January 15, 2027, and December 15 is the last day to pick a plan that starts January 1.
Questions about Franklin County coverage
How many health insurance companies sell marketplace plans in Franklin County, Ohio?
For 2026, eight carriers sell individual marketplace plans in Franklin County: Molina Healthcare, CareSource, UnitedHealthcare, Ambetter from Buckeye Health Plan, Oscar, Antidote Health Plan, MedMutual and Anthem Blue Cross and Blue Shield. Together they offer 130 plans across the metal levels, according to the CMS plan landscape file.
What is the cheapest health insurance in Franklin County?
At full price before any subsidy, the cheapest bronze plan in Franklin County is $311 a month for a 21 year old, $397 at 40 and $844 at 60. In Franklin a couple both aged 40 pays $795 for the cheapest bronze, and two 40 year olds with two children pay $1,270. No catastrophic plan is sold in Franklin for 2026. Most people in Franklin who qualify for a premium tax credit pay less than these prices.
What is the benchmark silver plan premium in Franklin County for 2026?
The second lowest cost silver plan, the benchmark your subsidy is calculated from, is $538 a month for a 40 year old in Franklin County before subsidies. In Franklin it is $421 at age 21 and $1,143 at age 60, and the lowest silver plan is $528 at 40.
Which insurance companies are leaving Franklin County for 2027?
CareSource is leaving the Ohio individual market, on and off exchange, for 2027. In 2026 it sells 21 plans in Franklin County. Seven carriers from the 2026 Franklin lineup remain: Molina Healthcare, UnitedHealthcare, Ambetter from Buckeye Health Plan, Oscar, Antidote Health Plan, MedMutual and Anthem Blue Cross and Blue Shield. The full 2027 lineup and prices are published around November 1, 2026.
Can I get a PPO plan in Franklin County?
Not on the 2026 marketplace. All 130 plans in Franklin County are HMO plans. 9 of them have a $0 medical deductible, and the cheapest gold plan for a 40 year old in Franklin is $538 a month before subsidies.
More for Franklin County residents
- Health insurance brokers in Ohio, how to choose one and what it costs
- Every 2027 carrier change in Ohio
- How Franklin compares with the other 78 counties and parishes I track
- Estimate a Franklin subsidy
Get your Franklin County quote
Send me your ZIP and who needs coverage and I will compare every Franklin plan you qualify for with your subsidy applied, free and with no pressure.
Get my free quote → Or book a callSources
- Centers for Medicare & Medicaid Services, QHP Landscape Individual Market Medical, plan year 2026 (public use file), Franklin County rows
- HealthCare.gov, Health plan information for individuals and families
- ACA Signups, Ohio 2027 rate filings and carrier withdrawals
- healthinsurance.org, ACA open enrollment deadlines