- 7carriers selling 2027 marketplace plans in Franklin County
- 115plans on the Franklin shelf, from 38 bronze to 33 gold
- $607benchmark 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, seven each. Across all 79 counties and parishes I track, ten have more carriers than Franklin. No single company dominates Franklin County, where the largest lineup is 28 plans (Antidote Health Plan) and the smallest is 9 (AmeriHealth Caritas Next).
| Carrier | Plans | Bronze | Silver | Gold | Network types |
|---|---|---|---|---|---|
| Antidote Health PlanAntidote Health Plan of Ohio, Inc. | 28 | 9 | 9 | 9 | HMO 28 |
| OscarOscar Health Insurance | 20 | 7 | 8 | 5 | HMO 20 |
| Ambetter from Buckeye Health Plan | 19 | 6 | 7 | 6 | HMO 19 |
| UnitedHealthcare | 17 | 5 | 6 | 6 | HMO 17 |
| Anthem Blue Cross and Blue Shield | 12 | 5 | 5 | 1 | HMO 12 |
| MedMutual | 10 | 3 | 3 | 3 | HMO 10 |
| AmeriHealth Caritas Next New for 2027 | 9 | 3 | 3 | 3 | HMO 9 |
Franklin plan counts from the CMS 2027 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.
What changed in Franklin County for 2027
Molina Healthcare and CareSource together sold 43 of the 130 plans in Franklin County in 2026 and have no plans here in the 2027 CMS file. If you were enrolled with either company, you should have a notice by now. 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. New in Franklin for 2027: AmeriHealth Caritas Next. Franklin now has seven carriers and 115 plans, against eight carriers and 130 plans in 2026.
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 | $346 | $442 | $938 | $884 | $1,413 |
| Lowest silver | $474 | $606 | $1,287 | $1,212 | $1,937 |
| Benchmark silver (second lowest) | $475 | $607 | $1,288 | $1,213 | $1,939 |
| Lowest gold | $498 | $637 | $1,352 | $1,274 | $2,036 |
Benchmark silver is the second lowest of the 41 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
Franklin County is one of 32 of the 79 counties and parishes on my list where the metal levels are priced in the order you would expect. The cheapest gold at 40 is $637, which is $30 above the benchmark silver and $31 above the cheapest silver. In Franklin the extra gold premium pays for a lower deductible rather than coming free.
In Franklin County the benchmark is $165 above the cheapest bronze at age 40, and 22 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 $607 benchmark minus what the government expects you to pay from your income. A 40 year old in Franklin whose expected share is $165 a month or less would pay nothing for the cheapest bronze. At 60 the Franklin gap grows to $350 and at 21 it shrinks to $129, 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 $12 higher at 40 and the cheapest bronze is $16 lower. The same seven 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 |
|---|---|---|---|
| Catastrophic | 3 | 0 | |
| Bronze | 2 | 0 | $11,750 to $12,000 |
| Expanded Bronze | 36 | 3 | $0 to $12,000 |
| Silver | 41 | 2 | $0 to $9,000 |
| Gold | 33 | 5 | $0 to $3,500 |
| Total | 115 | 10 |
There is not a single PPO on the 2027 marketplace in Franklin County. All 115 plans are HMO plans. Outside emergencies, the 115 HMO plans in Franklin generally pay nothing out of network, so the network list matters more than the premium. 10 plans in Franklin have a $0 medical deductible (5 gold, 3 expanded bronze and 2 silver). The 3 bronze ones among them still have out of pocket maximums of $12,000, 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 $607 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 2027 plans and prices for Franklin County, from the CMS plan file released at the end of October 2026. 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. If you already have a Franklin plan, compare before you let it renew, because your carrier and your benchmark may both have changed.
Questions about Franklin County coverage
How many health insurance companies sell marketplace plans in Franklin County, Ohio?
For 2027, seven carriers sell individual marketplace plans in Franklin County: Antidote Health Plan, Oscar, Ambetter from Buckeye Health Plan, UnitedHealthcare, Anthem Blue Cross and Blue Shield, MedMutual and AmeriHealth Caritas Next. Together they offer 115 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 $346 a month for a 21 year old, $442 at 40 and $938 at 60. In Franklin a couple both aged 40 pays $884 for the cheapest bronze, and two 40 year olds with two children pay $1,413. Catastrophic plans in Franklin, open only to people under 30 or with a hardship exemption, start at $346 at age 21. 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 2027?
The second lowest cost silver plan, the benchmark your subsidy is calculated from, is $607 a month for a 40 year old in Franklin County before subsidies. In Franklin it is $475 at age 21 and $1,288 at age 60, and the lowest silver plan is $606 at 40.
Which insurance companies left Franklin County for 2027?
Molina Healthcare and CareSource sold 43 plans in Franklin County in 2026 and have no plans there in the 2027 CMS plan file. Carriers still selling from the 2026 lineup: Antidote Health Plan, Oscar, Ambetter from Buckeye Health Plan, UnitedHealthcare, Anthem Blue Cross and Blue Shield and MedMutual. New for 2027: AmeriHealth Caritas Next.
Can I get a PPO plan in Franklin County?
Not on the 2027 marketplace. All 115 plans in Franklin County are HMO plans. 10 of them have a $0 medical deductible, and the cheapest gold plan for a 40 year old in Franklin is $637 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 2027 (public use file), Franklin County rows
- HealthCare.gov, Health plan information for individuals and families
- healthinsurance.org, ACA open enrollment deadlines