Licensed in Ohio
Health, Life & Disability Insurance in Ohio
Independent, fee-free help choosing health, life, and disability coverage across Ohio. I work for you—not the insurance company.
Insurance in Ohio
Ohio blends major hospital systems, manufacturing, and a large population of retirees and near-retirees navigating the gap before Medicare. Many Ohioans come to us at 60–64 needing bridge coverage, or as small-business owners weighing group versus individual plans.
Ohio uses the federal HealthCare.gov Marketplace and has one of the more competitive individual markets in the Midwest, with strong networks anchored by systems like the Cleveland Clinic. That competition is good for pricing—but it also means real premium and network differences worth comparing carefully.
For Ohioans in the 60–64 window, timing is everything: enroll too early or too late around a Medicare start date and you can pay twice or face a gap. We map your bridge coverage month by month, and for small-business owners we price a one-employee group plan against individual options so you see the real total cost.
- Population
- ~11.8 million residents
- Health marketplace
- Federal Marketplace (HealthCare.gov)
- Open Enrollment
- November 1 – January 15
- Short-term plans
- Available (not ACA-compliant)
- Licensed agent
- Liam is personally licensed in Ohio.
- Major employers
- Cleveland Clinic, Kroger, Procter & Gamble, Progressive, Nationwide
Straight talk
Short-term plans are available in Ohio as a stopgap, but they don’t count as minimum essential coverage.
What we help Ohio residents with
Marketplace & ACA health plans
Subsidy checks, network matching, and plan comparisons so you keep your doctors.
Life insurance
Term and permanent coverage sized to what your family would actually need.
Disability & income protection
The coverage most people forget until they can’t work—sorted before you need it.
Self-employed & small business
Coverage built for 1099 income, freelancers, and owners with no HR department.
Why work with a broker licensed in Ohio
Insurance is regulated state by state, and an agent can only legally advise and enroll you if they hold a license in the state where you live. That rule protects you—it means the person recommending a plan actually knows Ohio’s carriers, networks, and marketplace rules rather than guessing from out of state.
Liam is personally licensed in Ohio, so working with Transparent Benefit Solutions in Ohio is fully compliant—and because I’m independent, I compare plans across every carrier available to you instead of pushing one company’s products. My help is free; the carriers pay the commission, and your premium is identical either way.
Licensed in FL, GA, TX, TN, OH, NY, VA, WI, DC.
Ohio insurance questions
No. As an independent broker I’m paid by the insurance carriers, not by you, so my help in Ohio is free. Your premium is the same whether you enroll with me or on your own—you just get someone in your corner.
Ohio uses the Federal Marketplace (HealthCare.gov) (HealthCare.gov). I help Ohio residents enroll through it, confirm subsidy eligibility, and pick a plan whose network actually includes their providers.
Open Enrollment for Ohio runs November 1 – January 15. Outside that window you can still enroll if you have a qualifying life event—losing job coverage, moving, marriage, or a new baby—and I can confirm whether you qualify for a Special Enrollment Period.
Absolutely—that’s a big part of who I work with in Ohio. I’ll walk you through Marketplace subsidies based on your estimated net income, plus life and disability options that replace the employer benefits you don’t have.
You call me—not a 1-800 menu. As your broker in Ohio I stay your point of contact after you enroll, so if a claim is denied, a bill looks wrong, or your plan changes at renewal, you have someone who already knows your situation and can help sort it out.
Let's find out what you're actually paying for.
A free 15-minute call, no obligation. Worst case, you learn your current plan is fine.