Molina Silver Smart Heart Health
Silver · HMO · Molina Healthcare · Ohio
At age 40 it costs between $489.54 and $695.05 a month before any subsidy, depending on which county you live in — a marketplace plan is priced per rating area, not per state.
What this Silver plan costs if your income qualifies
Below certain incomes the marketplace improves a Silver plan's cost sharing automatically — you do not apply for it, and it happens on Silver and on no other metal level. The premium does not change; the deductible and what you pay at the doctor do.
| If your income is | Deductible | Most you could pay in a year | Primary care | Generic drugs |
|---|---|---|---|---|
| Above 250%, or not applied for | $6,000 | $8,990 | $35 | $15 |
| up to 150% of the federal poverty level | $0 | $2,000 | No Charge | No Charge |
| 150% to 200% | $850 | $3,195 | $8 | $5 |
| 200% to 250% | $3,500 | $8,050 | $30 | $15 |
CMS calls these cost-sharing reductions. The percentages are actuarial values, not discounts. HealthCare.gov works out which one you get from the income you report when you apply.
What CMS publishes about it
| Plan ID | 64353OH0070003 |
|---|---|
| Insurer | Molina Healthcare |
| Metal level | Silver |
| Plan type | HMO |
| Deductible (individual) | $6,000 |
| Deductible (family) | $12,000 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $8,990 |
| Family maximum | $17,980 |
| Primary care visit | $35 |
| Specialist visit | $60 |
| Emergency room | 40% Coinsurance after deductible |
| Inpatient stay | 40% Coinsurance after deductible |
| Generic drugs | $15 |
| Preferred brand drugs | $75 Copay after deductible |
| Specialty drugs | 50% Coinsurance after deductible |
| Adult dental included | No |
| Child dental included | No |
| Share of premium buying essential health benefits | 99.88% |
| Network directory | Who is in network |
| Summary of benefits | Summary of benefits and coverage |
| Drug list | Formulary |
| Customer service | 1-888-296-7677 |
Where it is sold, and what it costs there
79 counties. The premium is the price before any tax credit; what you pay depends on your income.
| County | At 21 | At 30 | At 40 | At 50 | At 60 |
|---|---|---|---|---|---|
| Ashtabula County | $383.05 | $434.76 | $489.54 | $684.13 | $1,039.60 |
| Geauga County | $383.05 | $434.76 | $489.54 | $684.13 | $1,039.60 |
| Lake County | $383.05 | $434.76 | $489.54 | $684.13 | $1,039.60 |
| Lorain County | $383.05 | $434.76 | $489.54 | $684.13 | $1,039.60 |
| Erie County | $389.42 | $442 | $497.68 | $695.51 | $1,056.90 |
| Huron County | $389.42 | $442 | $497.68 | $695.51 | $1,056.90 |
| Ottawa County | $389.42 | $442 | $497.68 | $695.51 | $1,056.90 |
| Sandusky County | $389.42 | $442 | $497.68 | $695.51 | $1,056.90 |
| Seneca County | $389.42 | $442 | $497.68 | $695.51 | $1,056.90 |
| Wyandot County | $389.42 | $442 | $497.68 | $695.51 | $1,056.90 |
| Carroll County | $394.58 | $447.85 | $504.28 | $704.72 | $1,070.90 |
| Stark County | $394.58 | $447.85 | $504.28 | $704.72 | $1,070.90 |
| Columbiana County | $396.21 | $449.69 | $506.35 | $707.62 | $1,075.30 |
| Mahoning County | $396.21 | $449.69 | $506.35 | $707.62 | $1,075.30 |
| Trumbull County | $396.21 | $449.69 | $506.35 | $707.62 | $1,075.30 |
| Adams County | $400.57 | $454.65 | $511.93 | $715.42 | $1,087.15 |
| Brown County | $400.57 | $454.65 | $511.93 | $715.42 | $1,087.15 |
| Clermont County | $400.57 | $454.65 | $511.93 | $715.42 | $1,087.15 |
| Clinton County | $400.57 | $454.65 | $511.93 | $715.42 | $1,087.15 |
| Highland County | $400.57 | $454.65 | $511.93 | $715.42 | $1,087.15 |
| Butler County | $404 | $458.54 | $516.31 | $721.54 | $1,096.45 |
| Hamilton County | $404 | $458.54 | $516.31 | $721.54 | $1,096.45 |
| Warren County | $404 | $458.54 | $516.31 | $721.54 | $1,096.45 |
| Defiance County | $411.14 | $466.64 | $525.44 | $734.30 | $1,115.83 |
| Fulton County | $411.14 | $466.64 | $525.44 | $734.30 | $1,115.83 |
| Henry County | $411.14 | $466.64 | $525.44 | $734.30 | $1,115.83 |
| Lucas County | $411.14 | $466.64 | $525.44 | $734.30 | $1,115.83 |
| Wood County | $411.14 | $466.64 | $525.44 | $734.30 | $1,115.83 |
| Allen County | $421.24 | $478.11 | $538.35 | $752.34 | $1,143.25 |
| Auglaize County | $421.24 | $478.11 | $538.35 | $752.34 | $1,143.25 |
| Hancock County | $421.24 | $478.11 | $538.35 | $752.34 | $1,143.25 |
| Hardin County | $421.24 | $478.11 | $538.35 | $752.34 | $1,143.25 |
| Mercer County | $421.24 | $478.11 | $538.35 | $752.34 | $1,143.25 |
| Paulding County | $421.24 | $478.11 | $538.35 | $752.34 | $1,143.25 |
| Putnam County | $421.24 | $478.11 | $538.35 | $752.34 | $1,143.25 |
| Van Wert County | $421.24 | $478.11 | $538.35 | $752.34 | $1,143.25 |
| Gallia County | $426.80 | $484.41 | $545.44 | $762.26 | $1,158.32 |
| Jackson County | $426.80 | $484.41 | $545.44 | $762.26 | $1,158.32 |
| Lawrence County | $426.80 | $484.41 | $545.44 | $762.26 | $1,158.32 |
| Pike County | $426.80 | $484.41 | $545.44 | $762.26 | $1,158.32 |
| Ross County | $426.80 | $484.41 | $545.44 | $762.26 | $1,158.32 |
| Scioto County | $426.80 | $484.41 | $545.44 | $762.26 | $1,158.32 |
| Vinton County | $426.80 | $484.41 | $545.44 | $762.26 | $1,158.32 |
| Holmes County | $433.33 | $491.83 | $553.79 | $773.92 | $1,176.05 |
| Wayne County | $433.33 | $491.83 | $553.79 | $773.92 | $1,176.05 |
| Belmont County | $447.95 | $508.42 | $572.48 | $800.04 | $1,215.74 |
| Coshocton County | $447.95 | $508.42 | $572.48 | $800.04 | $1,215.74 |
| Guernsey County | $447.95 | $508.42 | $572.48 | $800.04 | $1,215.74 |
| Harrison County | $447.95 | $508.42 | $572.48 | $800.04 | $1,215.74 |
| Jefferson County | $447.95 | $508.42 | $572.48 | $800.04 | $1,215.74 |
| Monroe County | $447.95 | $508.42 | $572.48 | $800.04 | $1,215.74 |
| Morgan County | $447.95 | $508.42 | $572.48 | $800.04 | $1,215.74 |
| Muskingum County | $447.95 | $508.42 | $572.48 | $800.04 | $1,215.74 |
| Noble County | $447.95 | $508.42 | $572.48 | $800.04 | $1,215.74 |
| Perry County | $447.95 | $508.42 | $572.48 | $800.04 | $1,215.74 |
| Crawford County | $463.42 | $525.98 | $592.25 | $827.67 | $1,257.72 |
| Richland County | $463.42 | $525.98 | $592.25 | $827.67 | $1,257.72 |
| Athens County | $486.45 | $552.12 | $621.68 | $868.79 | $1,320.21 |
| Hocking County | $486.45 | $552.12 | $621.68 | $868.79 | $1,320.21 |
| Meigs County | $486.45 | $552.12 | $621.68 | $868.79 | $1,320.21 |
| Champaign County | $489.30 | $555.35 | $625.32 | $873.88 | $1,327.95 |
| Clark County | $489.30 | $555.35 | $625.32 | $873.88 | $1,327.95 |
| Darke County | $489.30 | $555.35 | $625.32 | $873.88 | $1,327.95 |
| Greene County | $489.30 | $555.35 | $625.32 | $873.88 | $1,327.95 |
| Miami County | $489.30 | $555.35 | $625.32 | $873.88 | $1,327.95 |
| Montgomery County | $489.30 | $555.35 | $625.32 | $873.88 | $1,327.95 |
| Preble County | $489.30 | $555.35 | $625.32 | $873.88 | $1,327.95 |
| Shelby County | $489.30 | $555.35 | $625.32 | $873.88 | $1,327.95 |
| Marion County | $520.65 | $590.94 | $665.39 | $929.88 | $1,413.05 |
| Morrow County | $520.65 | $590.94 | $665.39 | $929.88 | $1,413.05 |
| Delaware County | $543.86 | $617.28 | $695.05 | $971.33 | $1,476.02 |
| Fairfield County | $543.86 | $617.28 | $695.05 | $971.33 | $1,476.02 |
| Fayette County | $543.86 | $617.28 | $695.05 | $971.33 | $1,476.02 |
| Franklin County | $543.86 | $617.28 | $695.05 | $971.33 | $1,476.02 |
| Licking County | $543.86 | $617.28 | $695.05 | $971.33 | $1,476.02 |
| Logan County | $543.86 | $617.28 | $695.05 | $971.33 | $1,476.02 |
| Madison County | $543.86 | $617.28 | $695.05 | $971.33 | $1,476.02 |
| Pickaway County | $543.86 | $617.28 | $695.05 | $971.33 | $1,476.02 |
| Union County | $543.86 | $617.28 | $695.05 | $971.33 | $1,476.02 |
Open enrollment for 2026 coverage runs 1 November 2025 to 15 January 2026 in most states. Outside that window you need a qualifying life event — losing other coverage, moving, marrying, having a child — to enrol.
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Premiums, deductibles, out-of-pocket maximums and cost sharing are reproduced from the HealthCare.gov Qualified Health Plan landscape file published by the Centers for Medicare & Medicaid Services for plan year 2026. Nothing on this page is calculated by us. This is not a complete list of your options and it is not advice: to see every plan and to enrol, use HealthCare.gov or call 1-800-318-2596.