Ottawa County is in Northwest Ohio, from Toledo and Port Clinton to Lima, Findlay and Bucyrus, with about 39,692 residents (Census 2024 estimate). Its largest towns are Port Clinton, Oak Harbor and Genoa.
Put-in-Bay and the other Bass Islands are here, reached by ferry, small plane or boat, so island residents plan ahead to see mainland doctors or fill prescriptions.
2027 plans in Ottawa County at a glance
What it means if you live in Ottawa County
- That's 10 plans fewer than in 2026 (64). If you have a Medicare Advantage plan, check your Annual Notice of Change to see whether it continues and what changes. Wellcare, MediGold and Perennial Advantage stop selling regular Medicare Advantage plans here on December 31; at least 42 people in Ottawa County are in one of those plans. If that's you, here is what to do. (CMS data)
- 27 are HMOs (you generally use the plan's network) and 27 are PPOs (which also pay out-of-network doctors, usually at a higher cost to you).
- 11 plans have no Part D drug coverage. Those suit people who get drug coverage elsewhere, such as from the VA; otherwise you could owe a late-enrollment penalty for going without it.
- Special needs plans here: 11 for people with both Medicare and Ohio Medicaid; 10 for people with certain chronic conditions, such as diabetes or heart failure; 4 for people who live in a nursing home or need that level of care. You can join one only if you qualify.
- Ottawa County ranks 30th of Ohio's 88 counties for plans open to everyone. In the Northwest Ohio region (19 counties), the count runs from 27 to 58.
- At least 6,611 people in Ottawa County were in a Medicare Advantage plan in October 2026.
Licensed insurance agents for Ottawa County
These independent insurance agents are licensed in Ohio and work with Benefits Life, the publisher of this site. When they enroll you in a plan, the agent and Benefits Life may be paid by the insurance company. Learn more.
See Medicare plans in Ottawa County
Enter your ZIP code to compare Medicare Advantage, Part D, and Medigap plans available where you live.
You'll go to PlanMatchMedicare.com, a plan comparison site from Benefits Life, the publisher of this site. Only your ZIP code is sent.
Original Medicare and Medigap
If you'd rather keep any doctor who takes Medicare, Original Medicare with a Medigap policy and a Part D plan works the same in every Ohio county. Medigap in Ohio.
Nearby counties
You can only join a Medicare Advantage plan sold in the county where you live.
| County | Plans open to everyone, 2027 | Special needs plans |
|---|---|---|
| Sandusky County | 51 | 24 |
| Erie County | 49 | 25 |
| Lucas County | 58 | 29 |
| Seneca County | 50 | 25 |
2026 Medicare costs (the same in every county)
| Cost | 2026 |
|---|---|
| Part B premium | $202.90 a month (standard) |
| Part B deductible | $283 a year |
| Part A deductible | $1,736 per benefit period |
| Part D out-of-pocket cap | $2,100 a year |
Other places to get answers
- Medicare: 1-800-MEDICARE (1-800-633-4227), TTY 1-877-486-2048, 24 hours a day, or Medicare.gov.
- Social Security (signing up for Parts A and B, Extra Help): 1-800-772-1213, TTY 1-800-325-0778.
- Ohio Department of Medicaid (Ohio Medicaid and the Medicare Savings Programs; apply at your county job and family services office or online): medicaid.ohio.gov. Ohio Medicaid and Medicare.
- Ohio Department of Aging (your area agency on aging, in-home help and caregiver support): aging.ohio.gov.
- Ohio Department of Insurance (complaints about an insurance company or agent, agent license lookup): insurance.ohio.gov.
- More Ohio contacts, from appeals to fraud reporting: Ohio Medicare contacts.
Questions about Medicare in Ottawa County
How many Medicare Advantage plans are there in Ottawa County for 2027?
CMS lists 54 open to everyone with Medicare (64 in 2026), plus 25 special needs plans for people who qualify. You still pay your Part B premium.
When can I change my Medicare plan in Ottawa County?
Open Enrollment runs October 15 to December 7, for coverage starting January 1. If you're in a Medicare Advantage plan, you can switch plans or go back to Original Medicare once between January 1 and March 31. If your plan leaves your county, you get a Special Enrollment Period.
How do I find a licensed insurance agent in Ottawa County?
Use the agent search on this page, pick one agent and request a call, to compare plans with a licensed insurance agent at no cost to you. Agents listed here are licensed in Ohio.
Sources
Plans open to everyone are Medicare Advantage plans with or without drug coverage, not special needs plans. Enrollment counts HMO and PPO plans; CMS hides counts of 10 or fewer, so real numbers are a little higher.