Ohio health plan · 2026

Silver Standard w/ Virtual & Wellness · 99969OH0080496

Medical Health Insuring Corp of Ohio offers this marketplace health insurance plan (Plan ID 99969OH0080496) so you can compare premiums, coverage levels, and provider access against other health plan insurance options. Use the modules below to decide whether this is the best health insurance plan for your household or if another insurance health plan fits better.

Metal level: Silver Plan type: HMO CSR: 73% AV Level Silver Plan Issuer: Medical Health Insuring Corp of Ohio
Telehealth Data pending HSA eligible No Dental Child Vision Child

CMS AV Calculator output: 73.07% (26.93% member share on average). Learn about AV methodology.

2026 cost summary

Key premiums & cost sharing

Rates mirror the latest CMS import (Tue, 02 Dec 2025 06:13 GMT). Personalize costs with your ZIP, age, and subsidies in the plan finder.

Monthly premium

$329 – $2126

Before subsidies

Estimate after subsidies

Deductible

$3,000

$6000 per group

See deductible details

Max out-of-pocket

$7,400

$14800 per group

Review MOOP rules

Office visits

Primary care $40.00
Specialist $80.00
HSA Not eligible

Drug tiers

Generic $20.00
Preferred brand $40.00

View formulary tiers

$615 / mo before subsidies

≈ $7383 per year before tax credits.

Start with this unsubsidized premium, then apply marketplace tax credits to see your final monthly payment.

  • Ideal for shoppers comparing Bronze vs. Silver budgets.
  • Update your Marketplace application to apply premium tax credits.

$1607 / mo before subsidies

≈ $19283 per year before tax credits.

Pre-subsidy rate for a couple with one dependent. Switch to Silver CSR plans if you qualify to reduce these numbers.

  • Compares well against PPO vs HMO networks when planning for childcare and telehealth needs.
  • This Silver tier qualifies for CSR if household income is ≤250% FPL.

$1824 / mo before subsidies

≈ $21883 per year before tax credits.

Pairs with cost-sharing reductions (CSR) when you select a Silver tier and qualify based on income.

  • Use this estimate before adding childcare, dental, or vision extras.
  • CSR Silver variants can lower deductibles dramatically for eligible incomes.
  • This Silver tier qualifies for CSR if household income is ≤250% FPL.

$1231 / mo before subsidies

≈ $14771 per year before tax credits.

Shows the combined pre-subsidy rate for two adults. Add dependents or subsidies in your application to refine it.

  • Great for households deciding between PPO and HMO networks.
  • Telehealth and HSA perks (when offered) apply to both members.
Issuer profile See benefits

Preventive Care/Screening/Immunization

0.00%

Emergency Room Services

40.00% Coinsurance after deductible

Durable Medical Equipment

40.00% Coinsurance after deductible

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Enrollment guidance

Stay on top of 2026 ACA deadlines

Open Enrollment window

Marketplace enrollment for 2026 coverage typically runs Nov 1 – Jan 15 (dates may vary slightly in Ohio). Submit changes before the deadline to avoid a coverage gap.

  • Enroll by Dec 15 for Jan 1 starts.
  • Finalize plan switches before the window closes.

Special Enrollment Periods

You can change plans mid-year if you experience a qualifying life event (move, childbirth, marriage, loss of other coverage).

  • Report the event within 60 days.
  • Keep documentation handy for Healthcare.gov or your state exchange.

CSR & subsidy reminders

Premium tax credits and cost-sharing reductions (CSR) update annually when you re-submit your marketplace application.

  • Enter accurate income to maximize Advanced Premium Tax Credits.
  • 73% AV Level Silver Plan plans like this one keep deductibles and copays lower if you qualify.

Thinking about switching?

Before you leave your current plan, compare networks, drug coverage, and total cost using the cards on this page.

  • Match provider networks so ongoing care isn’t disrupted.
  • Confirm prescriptions stay on-formulary or budget for tier changes.

Top covered benefits

How this plan handles key care scenarios

Preventive Care/Screening/Immunization

0.00%

Emergency Room Services

40.00% Coinsurance after deductible

Durable Medical Equipment

40.00% Coinsurance after deductible

Premium snapshot

Plan identifiers & filings

Track the official identifiers, documents, and filing dates tied to this plan. Open the marketing or formulary links whenever you need the latest PDF from the issuer.

Network stats

Provider access snapshot

Review the network branding plus the number of in-network clinicians we track from issuer filings. Counts update with each CMS import (Tue, 02 Dec 2025 06:13 GMT).

All providers in Ohio 50032
PCPs in Ohio 6412
Telehealth support Data pending
Nationwide providers 88314
50,032 doctors statewide 6,412 PCPs 226 OB/GYN
Providers Ohio All US states
All 50032 88314
PCP 6412 6724
Allergy 17 17
OB/GYN 226 249
Dentists 33 35

Drug coverage overview

5,554 drugs tracked

Inspect tier distribution plus authorization, step therapy, and quantity-limit counts sourced from HealthPorta’s formulary import.

Tier Covered drugs
GENERIC 2,917
NON-PREFERRED-BRAND 1,386
SPECIALTY 865
ZERO-COST-SHARE-PREVENTIVE-DRUGS 386
Prior authorization Drugs
Required 1,166
Not Required 4,388
Step therapy Drugs
Required 558
Not Required 4,996
Quantity limits Drugs
Has Limit 1,581
No Limit 3,973

Customer highlights

What stands out for members

  • Issuer: Medical Health Insuring Corp of Ohio · Plan ID 99969OH0080496 · 2026 filing.
  • Disease management programs available: Asthma, Diabetes.
  • Download the latest formulary directly from the issuer here.
  • Variant 99969OH0080496-04 (73% AV Silver Plan) currently displayed.
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Benefits

Covered services & limitations

Everyday care

Office visits, preventive care, labs, imaging, and home health.

Chiropractic Care

$40.00

Diabetes Education

No Charge

Home Health Care Services

40.00% Coinsurance after deductible

Laboratory Outpatient and Professional Services

40.00% Coinsurance after deductible

Other Practitioner Office Visit (Nurse, Physician Assistant)

$40.00

Preventive Care/Screening/Immunization

0.00%

Primary Care Visit to Treat an Injury or Illness

$40.00

Rehabilitative Occupational and Rehabilitative Physical Therapy

$40.00

Rehabilitative Speech Therapy

$40.00

Specialist Visit

$80.00

Urgent Care Centers or Facilities

$60.00

X-rays and Diagnostic Imaging

40.00% Coinsurance after deductible

Hospital & urgent

Emergency room, inpatient stays, ambulance, and surgeries.

Chemotherapy

40.00% Coinsurance after deductible

Delivery and All Inpatient Services for Maternity Care

40.00% Coinsurance after deductible

Dialysis

40.00% Coinsurance after deductible

Durable Medical Equipment

40.00% Coinsurance after deductible

Emergency Room Services

40.00% Coinsurance after deductible

Emergency Transportation/Ambulance

40.00% Coinsurance after deductible

Hospice Services

40.00% Coinsurance after deductible

Inpatient Hospital Services (e.g., Hospital Stay)

40.00% Coinsurance after deductible

Inpatient Physician and Surgical Services

40.00% Coinsurance after deductible

Mental/Behavioral Health Inpatient Services

40.00% Coinsurance after deductible

Mental/Behavioral Health Outpatient Services

$40.00

Outpatient Facility Fee (e.g., Ambulatory Surgery Center)

40.00% Coinsurance after deductible

Outpatient Rehabilitation Services

40.00% Coinsurance after deductible

Outpatient Surgery Physician/Surgical Services

40.00% Coinsurance after deductible

Radiation

40.00% Coinsurance after deductible

Skilled Nursing Facility

40.00% Coinsurance after deductible

Substance Abuse Disorder Inpatient Services

40.00% Coinsurance after deductible

Substance Abuse Disorder Outpatient Services

$40.00

Transplant

40.00% Coinsurance after deductible

Pregnancy & family

Maternity, newborn, pediatric dental and vision extras.

Basic Dental Care - Child

No Charge

Hearing Aids

No Charge

Major Dental Care - Child

No Charge

Prenatal and Postnatal Care

40.00% Coinsurance after deductible

Routine Eye Exam for Children

No Charge

Well Baby Visits and Care

No Charge

Pharmacy & drugs

Generic, brand, specialty, and mail order tiers.

Generic Drugs

$20.00

Non-Preferred Brand Drugs

$80.00 Copay after deductible

Preferred Brand Drugs

$40.00

Specialty Drugs

$350.00 Copay after deductible

Wellness & extras

Vision, dental, therapies, prosthetics, weight management.

Accidental Dental

40.00% Coinsurance after deductible

Basic Dental Care - Adult

Coverage details pending

Dental Check-Up for Children

No Charge

Infusion Therapy

40.00% Coinsurance after deductible

Major Dental Care - Adult

Coverage details pending

Nutritional Counseling

40.00% Coinsurance after deductible

Orthodontia - Adult

Coverage details pending

Orthodontia - Child

No Charge

Prosthetic Devices

40.00% Coinsurance after deductible

Routine Dental Services (Adult)

Coverage details pending

Weight Loss Programs

Coverage details pending

Additional benefits

Other plan-specific services and limitations.

Abortion for Which Public Funding is Prohibited

Coverage details pending

Acupuncture

Coverage details pending

Allergy Testing

40.00% Coinsurance after deductible

Bariatric Surgery

Coverage details pending

Cosmetic Surgery

Coverage details pending

Eye Glasses for Children

40.00% Coinsurance after deductible

Habilitation Services

$40.00

Imaging (CT/PET Scans, MRIs)

40.00% Coinsurance after deductible

Infertility Treatment

40.00% Coinsurance after deductible

Long-Term/Custodial Nursing Home Care

Coverage details pending

Private-Duty Nursing

40.00% Coinsurance after deductible

Reconstructive Surgery

40.00% Coinsurance after deductible

Routine Eye Exam (Adult)

Coverage details pending

Routine Foot Care

Coverage details pending

Treatment for Temporomandibular Joint Disorders

40.00% Coinsurance after deductible

Variant attributes

Silver Standard w/ Virtual & Wellness · Variant 99969OH0080496-04

Plan identifiers & tier

Issuer-provided metadata for this variant.

Business Year

2026

CSR Variation Type

73% AV Level Silver Plan

HIOS Product ID

99969OH008

Metal Level

Silver

Plan ID (Standard Component ID with Variant)

99969OH0080496-04

Plan Marketing Name

Silver Standard w/ Virtual & Wellness

Plan Variant Marketing Name

Silver Standard w/ Virtual & Wellness (200-250% FPL)

Issuer & service area

Issuer-provided metadata for this variant.

Issuer ID

99969

Issuer Marketplace Marketing Name

MedMutual

Market Coverage

Individual

Multiple In Network Tiers

No

National Network

No

Network ID

OHN001

Out of Country Coverage

Yes

Out of Country Coverage Description

Emergency Only

Out of Service Area Coverage

Yes

Out of Service Area Coverage Description

Covered as Non-Network

Service Area ID

OHS001

State Code

OH

URL for Summary of Benefits & Coverage

Open link

Cost sharing & actuarial values

Issuer-provided metadata for this variant.

AV Calculator Output Number

0.7307023609354409

Begin Primary Care Deductible Coinsurance After Number Of Copays

0

Inpatient Copayment Maximum Days

0

Medical Drug Deductibles Integrated

Yes

Medical Drug Maximum Out of Pocket Integrated

Yes

SBC Scenario, Having a Baby, Coinsurance

$2,000

SBC Scenario, Having a Baby, Copayment

$10

SBC Scenario, Having a Baby, Deductible

$3,000

SBC Scenario, Having Diabetes, Coinsurance

$0

SBC Scenario, Having Diabetes, Copayment

$1,100

SBC Scenario, Having Diabetes, Deductible

$100

SBC Scenario, Treatment of a Simple Fracture, Coinsurance

$0

SBC Scenario, Treatment of a Simple Fracture, Copayment

$300

SBC Scenario, Treatment of a Simple Fracture, Deductible

$2,000

Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Combined In/Out Network, Family Per Group

per group not applicable

Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Combined In/Out Network, Family Per Person

per person not applicable

Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Combined In/Out Network, Individual

Not Applicable

Combined Medical and Drug EHB Deductible, In Network (Tier 1), Default Coinsurance

40.00%

Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), In Network (Tier 1), Family Per Group

$14800 per group

Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), In Network (Tier 1), Family Per Person

$7400 per person

Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), In Network (Tier 1), Individual

$7,400

Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Out of Network, Family Per Group

per group not applicable

Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Out of Network, Family Per Person

per person not applicable

Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Out of Network, Individual

Not Applicable

Enrollment & documents

Issuer-provided metadata for this variant.

Formulary ID

OHF006

Formulary URL

Open link

SBC Scenario, Having a Baby, Limit

$60

SBC Scenario, Having Diabetes, Limit

$20

SBC Scenario, Treatment of a Simple Fracture, Limit

$0

URL for Enrollment Payment

Open link

Additional attributes

Issuer-provided metadata for this variant.

Begin Primary Care Cost-Sharing After Number Of Visits

0

Child-Only Offering

Allows Adult and Child-Only

Composite Rating Offered

No

Dental Only Plan

No

Design Type

Design 1

Disease Management Programs Offered

Asthma, Diabetes

EHB Percent of Total Premium

1

First Tier Utilization

100%

Import Date

10/15/2025

Limited Cost Sharing Plan Variation - Estimated Advanced Payment

$0.00

HSA Eligible

No

New/Existing Plan

Existing

Notice Required for Pregnancy

No

Is a Referral Required for Specialist?

No

Plan Effective Date

1/1/2026

Plan Type

HMO

QHP/Non QHP

Both

Source Name

SERFF

Plan ID

99969OH0080496

Combined Medical and Drug EHB Deductible, Combined In/Out of Network, Family Per Group

per group not applicable

Combined Medical and Drug EHB Deductible, Combined In/Out of Network, Family Per Person

per person not applicable

Combined Medical and Drug EHB Deductible, Combined In/Out of Network, Individual

Not Applicable

Combined Medical and Drug EHB Deductible, In Network (Tier 1), Family Per Group

$6000 per group

Combined Medical and Drug EHB Deductible, In Network (Tier 1), Family Per Person

$3000 per person

Combined Medical and Drug EHB Deductible, In Network (Tier 1), Individual

$3,000

Combined Medical and Drug EHB Deductible, Out of Network, Family Per Group

per group not applicable

Combined Medical and Drug EHB Deductible, Out of Network, Family Per Person

per person not applicable

Combined Medical and Drug EHB Deductible, Out of Network, Individual

Not Applicable

Unique Plan Design

No

Wellness Program Offered

Yes

Copay & coinsurance

Pharmacy cost sharing by tier

Drug tier Pharmacy type Copay amount Copay option Coinsurance rate Coinsurance option Mail order

Questions & answers

Frequently asked questions

How do I choose the right ACA plan in Ohio?

Silver Standard w/ Virtual & Wellness (99969OH0080496) is a Silver HMO from Medical Health Insuring Corp of Ohio in Ohio for the 2026 coverage year.

Compare it against other options with the HealthPorta plan finder to confirm premiums, deductibles, and network access fit your household.

Does Silver Standard w/ Virtual & Wellness support telehealth or virtual urgent care?

The issuer has not published telehealth details yet. Review the Summary of Benefits and Coverage to confirm if virtual visits are included.

Is Silver Standard w/ Virtual & Wellness HSA-eligible and does it include dental or vision coverage?

It is not marked as HSA-eligible, so confirm with the issuer before relying on tax-advantaged savings.

Dental add-ons: Child.

Vision add-ons: Child.

Does Silver Standard w/ Virtual & Wellness support mail-order prescriptions?

Mail order coverage is not listed for this plan, so confirm with the issuer before relying on home delivery.

Which disease management programs come with Silver Standard w/ Virtual & Wellness?

The issuer lists disease management resources for: Asthma, Diabetes.

Is there out-of-country coverage for Silver Standard w/ Virtual & Wellness?

Yes, limited out-of-country coverage is available. Review the Summary of Benefits for reimbursement steps. Details: Emergency Only

Does Silver Standard w/ Virtual & Wellness cover care outside the service area?

Yes, you have limited out-of-area coverage. See the plan documents for referral and prior authorization rules. Details: Covered as Non-Network

Disclaimer: Based on the Tue, 02 Dec 2025 06:13 GMT HealthPorta import from CMS issuer filings. Data is best-effort and should be validated with the issuer directly. Sources: CMS.gov and the HealthPorta Healthcare MRF API.
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