Health Insurance in Toledo, OH

Health Insurance Carriers in Toledo, OH

Residents of Toledo can compare health insurance plans from the following carriers during Open Enrollment (November 1–January 15): Medical Mutual of Ohio, Anthem Blue Cross Blue Shield, Ambetter from MedMutual, Aetna, Molina Healthcare, SummaCare, HealthSpan. The dominant carrier in most Toledo ZIP codes is Medical Mutual of Ohio.

Toledo has two major competing health systems: ProMedica and Mercy Health (Trinity Health). The University of Toledo Medical Center is the academic medical center. Most Ohio carriers are in-network with both ProMedica and Mercy Health.

Hospitals and Health Systems in Toledo

Major hospital systems and facilities serving Toledo include:

• ProMedica Toledo Hospital
• Mercy Health – St. Vincent Medical Center (Toledo)
• University of Toledo Medical Center

Network coverage varies by plan. Before enrolling, confirm your preferred hospital is in-network by checking the plan’s provider directory or calling member services.

Urgent Care Centers in Toledo

Urgent care facilities in the Toledo area include:

• Urgent Care Now (ProMedica)
• Mercy Health Urgent Care Toledo
• FastMed Urgent Care

ACA Subsidies and Medicaid in Toledo

Residents of Toledo may qualify for ACA premium tax credits if household income falls between 100% and 400% of the federal poverty level (~$15,650–$62,600 for a single adult in 2026). Apply through healthcare.gov or a licensed broker during Open Enrollment or after a qualifying life event.