What does coverage cost in Troy? A 40-year-old in Miami County paid about $536 a month for the benchmark silver plan in 2026, before any subsidy; statewide, the 2027 average is $603. Most marketplace shoppers pay less after the premium tax credit, and a broker can show you your exact number.
A local health insurance agent can walk you through plans sold in Miami County and help with enrollment, renewals and claims questions later. Below are the 15 agent offices nearest Troy.
Health Insurance Agents near Troy
Licensed agents can compare plans available in Miami County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540What a local agent does
Agents licensed in Ohio can explain plan types (HMO, PPO, EPO), estimate your premium tax credit, enroll you, and help when something goes wrong with a claim or a bill.
Questions to ask before you choose
Which carriers can you quote in Miami County? Are you certified to enroll people through the HealthCare.gov? Will you help me at renewal next year?
Agents are free to use
Insurers pay agent commissions. Using a licensed agent doesn't add to your premium.
Checking an agent's license in Ohio
- The Ohio Department of Insurance has its own public Agent / Agency Search on its online gateway, where anyone can look up a licensee by name, license number or national producer number. Source
- The Ohio Department of Insurance licenses the agents and agencies that sell insurance in Ohio and regulates insurers. Its Consumer Services Division handles consumer questions and complaints, and agent misconduct is investigated by its Enforcement Division. Source
Free enrollment help in Ohio
HealthCare.gov Marketplace assisters: CMS-funded Navigator organizations plus Certified Application Counselors, who give free, impartial help applying and enrolling; consumers search for nearby help with the HealthCare.gov Find Local Help tool. You can search for in-person help on the official find-help page. If you'd rather have someone compare plans and recommend one, a licensed agent can do that at no cost to you.
Frequently asked questions
What's the difference between an agent and a navigator?
Navigators are trained helpers funded to give free, unbiased enrollment help, but they can't recommend a plan. Licensed agents can recommend plans and may also sell coverage outside the marketplace.
Are local health insurance agents free?
Yes, for individual and family plans. The agent's commission is paid by the insurer and is already built into the premium.
How many agencies are near Troy?
Our listings show 36 health insurance agencies within 25 miles of Troy and 80 within 50 miles.
Agents in nearby cities
- New Carlisle, OH 12 miles
- Englewood, OH 13 miles
- Clayton, OH 13 miles
- Huber Heights, OH 14 miles
- Sidney, OH 17 miles
- Brookville, OH 18 miles
- Trotwood, OH 18 miles
- Dayton, OH 18 miles
- Riverside, OH 19 miles
- Fairborn, OH 20 miles