Before subsidies, the benchmark silver plan for a 40-year-old in Lake County cost about $490 a month for 2026, and the Ohio average for 2027 is $603 a month. Premium tax credits bring that down for many households, depending on income and family size. 7 insurers offered marketplace plans in Lake County for 2026. Below you'll find how coverage works in North Madison, the local agencies with the strongest reviews, and where to get free help.
Top-rated health insurance agencies near North Madison
Licensed agents can compare plans available in Lake County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540Health insurance at a glance: North Madison, OH
| Where to enroll | HealthCare.gov |
|---|---|
| Average benchmark silver, age 40 (2027) | $603/mo before subsidies |
| Lake County benchmark (2026) | $490/mo |
| Plans offered in Lake County (2026) | 105 |
| Plan types | HMO |
| Marketplace insurers in Ohio (2027) | 9 |
| Medicaid expansion | Yes |
| Short-term plans | Sold with state limits (not ACA-compliant) |
Sources: CMS plan data, KFF, state marketplace and insurance department pages.
Before you call an agent
- Compare total yearly cost (premiums plus deductible), not just the monthly premium.
- Check that the agent's license is active with the state regulator.
- Write down the enrollment deadline and confirm your first premium payment.
- Have a realistic estimate of next year's household income; subsidies are based on it.
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
Can I get coverage outside open enrollment?
Only with a qualifying life event, unless you qualify for Ohio Medicaid. Some people also look at short-term or fixed-indemnity plans, which are not ACA-compliant coverage.
Which insurers sell marketplace plans in Ohio?
For 2027, marketplace plans in Ohio come from 9 insurers: Anthem Blue Cross and Blue Shield, Ambetter from Buckeye Health Plan, Medical Mutual (MedMutual), Oscar Health, SummaCare, UnitedHealthcare, Antidote Health, AmeriHealth Caritas and Paramount Insurance. Not every insurer sells in every county.
Where can I buy health insurance in North Madison?
Through the HealthCare.gov, directly from an insurer, or with a licensed agent or broker who can do either.
Health insurance in nearby cities
- Geneva, OH 6 miles
- Painesville, OH 13 miles
- Ashtabula, OH 13 miles
- Mentor, OH 18 miles
- Mentor-on-the-Lake, OH 18 miles
- Chardon, OH 19 miles
- Kirtland, OH 22 miles
- Willoughby, OH 22 miles
- Eastlake, OH 23 miles
- Willowick, OH 25 miles