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Spring trees on a green lawn at the Charles F. Kettering House in Kettering, Ohio

Kettering · Montgomery County, Ohio

Kettering health insurance broker. Individual and family plans.

Free help for Kettering residents who buy their own coverage. Self-employed, between jobs, or covering your family? We compare Ohio plans on HealthCare.gov for your household and check your doctors. We are licensed in Ohio.

  • Private & Secure
  • Fast Response
  • No Spam Calls

Photo: "Charles F. Kettering House" by Nyttend, via Wikimedia Commons, released into the public domain by its author. Cropped, resized, and converted to WebP. Modified from the original.

Questions we hear

Buying your
own plan?

Kettering has about 57,200 people, per the Census Bureau. These are questions we hear from people who buy their own coverage.

“Can I get help paying for a plan?”

Many households can get a tax credit that lowers the monthly price. It depends on your income and household size. We check it for you.

“When can I sign up?”

Open enrollment runs each fall. Under current law, losing other coverage, moving, or having a baby can open a special window outside it.

“Will my Dayton-area doctors be in network?”

Networks differ by plan. We look up each doctor and prescription before you choose.

Kettering by the numbers

A city south
of Dayton.

Kettering is mainly in Montgomery County. Census Bureau estimates follow.

About 57,200

Kettering residents, Census 2020-2024.

$74,681

was the typical (median) Kettering household income.

About 65 in 100

of Kettering homes are owner-occupied.

About 38

is Kettering's median age.

About 13 in 100

of Kettering workers mainly work from home.

About 7 in 100

of Kettering residents under 65 had no insurance.

About 6 in 100

of Kettering adults 19-64 had only individual coverage.

Source for Kettering: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (tables B01003, B19013, B25003, B01002, B08301, B27010).

Paul Daniels
Paul DanielsLicensed health advisor · NPN 20986580

How we help

Side-by-side help
in Kettering.

We can line up several Ohio marketplace plans because we don't work for one insurer. You see them side by side for your ZIP code.

Self-employed or freelance? We help you estimate your income for the year so your tax credit is set as close as we can get it.

Covering a family? We compare plans for each person and check whether your children may qualify for Ohio Medicaid.

We weigh the monthly price against the deductible and out-of-pocket max, so you know what a hard year could cost.

Changing jobs? We look at your start date and any waiting period, so we can plan when your new coverage should start.

  • Individual and family plan comparisons
  • Licensed in 20 U.S. states
  • You do not pay us for our help. We are paid by the insurance companies when you enroll. Your price for a plan is the same whether you use us or sign up on your own. Commissions can differ by company.

How it works

Three steps
to decide.

Your household

Who needs coverage, and your expected income.

Marketplace prices

Plans for your Kettering ZIP code.

Weigh the plans

Premiums, deductibles, and your doctors.

Book a 15-minute call
Free · No obligation · About a 15-minute call

Recommended on Facebook

What people say
about working with us.

“I’ve know Paul for years and definitely trust him in the health advisor dept! Working with small business owners he has been a great partner with explain options and provide solutions!”

Sandra D.
Facebook recommendation

“Paul was very helpful in my search for business group insurance. He was able to explain my options and answer all the questions I had before signing up. Highly recommend working with him!”

Adil J.
Facebook recommendation

What you get

A clear answer
on your plan.

Missing the enrollment deadline can leave you without a new plan until the next window. After our call, you'll have:

  • Your enrollment deadlines in one place
  • Monthly and yearly cost for each option
  • Your doctors checked in each plan
  • A recommendation you can take or leave

Straight answers

Kettering health insurance questions.

When is open enrollment in Ohio for 2027?

Ohio residents use HealthCare.gov. As of October 22, 2026, under current law, the 2027 enrollment season is November 1, 2026, through January 15, 2027. A federal appeal about open enrollment dates is pending (City of Columbus v. Kennedy, 4th Cir. No. 26-1938), with oral argument set for October 30, 2026. Confirm the dates before you enroll. Choose by December 15 for coverage that starts January 1.

Has Ohio expanded Medicaid?

Yes. As of October 22, 2026, Ohio has adopted the ACA Medicaid expansion, according to KFF. KFF notes that an Ohio law would end expansion if federal funding drops below a set level. Adults with low income may qualify for Medicaid rather than a marketplace plan.

Can I get a tax credit if I'm self-employed?

Yes, if you qualify. Credits are based on your expected household income for the year, not your type of work. We help you estimate it.

What if I lose job coverage during the year?

Under current law, losing job coverage usually opens a 60-day special enrollment window. We help you compare plans in that time.

Can my children be on a different plan than me?

Yes. Family members can be on different plans or programs. We price each option.

What is the difference between an HMO and a PPO?

An HMO usually asks you to stay in its network. A PPO usually lets you see out-of-network doctors at a higher cost. We show which type each plan is.

Do I have to use HealthCare.gov in Ohio?

Ohio uses HealthCare.gov for marketplace plans. We can help you compare and enroll there at no cost to you.

Can I keep my Dayton-area doctors on a new plan?

If they are in the new plan's network. We check each one.

More help

Self-employed PPO options Early retiree PPO options Nationwide private PPO plans All areas we serve

Open enrollment starts November 1

Comparing plans in Kettering?

Bring your household details to a free 15-minute call, or start a quote online. No obligation.

Book a 15-minute call Get a quote online

By Paul Daniels, licensed health insurance agent (NPN 20986580). Local facts checked October 22, 2026.

Disclaimer

Daniels Health Advisors LLC is an independent insurance brokerage—not HealthCare.gov, CMS, a state agency, a state insurance department, or an insurance company. Availability, premiums, networks, deductibles, and subsidies vary by zip, household, and plan year. Nothing here is medical, legal, or tax advice, or a guarantee of savings, approval, any-doctor access, or a “best” plan. For tax questions, talk with a tax professional. Official: HealthCare.gov. To check an agent's license, contact your state's insurance department. Kettering / Montgomery County, Ohio.

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