Free hospital check
Is Miami Valley Hospital in your plan? Get a free check.
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“I run my own business and my time is valuable. Daniel handled everything — compared the private options, explained what I was actually getting, and had me covered fast. Way better experience than trying to navigate it myself.”
How the check works: a licensed agent checks Miami Valley Hospital, and any doctors you name, against every 2027 marketplace plan filed in your county, then sends you the plans that include them and the date it was checked. It costs nothing, and you only get a call if you ask for one.
Self-employed, or a business owner on no company plan? The plans that include Miami Valley Hospital can be bought without an employer, and a licensed agent prices them against your expected income.
- Your ZIP code
- Who to check — Miami Valley Hospital is filled in
- Your answer, usually the same day
Open Enrollment for 2027 runs November 1 to January 15: choose by December 15 for coverage from January 1. CareSource is leaving Ohio’s marketplace for 2027. If your plan is from CareSource, it ends December 31, and the plan that replaces it may not include Miami Valley Hospital. A licensed agent will check the 2027 plans for you before you choose.
Miami Valley Hospital is in Dayton, Ohio. Whether a marketplace plan covers it depends on the individual plan, not on the carrier's name, and it can change during the year. Here is what is actually knowable, and how to settle it for your own plan.
Insurance at Miami Valley Hospital: the short answer
These 7 insurers sell 2027 marketplace plans in Montgomery County: Ambetter from Buckeye Health Plan, AmeriHealth Caritas Next, Anthem Blue Cross and Blue Shield, Antidote Health Plan of Ohio, Inc., MedMutual, Oscar Health Insurance and UnitedHealthcare. In the insurers’ own 2027 directory files, 3 of the 7 insurers selling in Montgomery County list Miami Valley Hospital under at least one plan there (see which).
That is not a list of plans Miami Valley Hospital accepts. Hospitals contract with individual plans, not whole insurers, so the same insurer can sell one plan that includes Miami Valley Hospital and another that doesn’t. The answer that counts is a check of your exact plan, dated. Get my free hospital check ↑
Searching for MetLife, Delta Dental or Renaissance? Those are dental insurers: dental plans cover teeth, not hospital care. If you want dental coverage too, see dental insurance for individuals.
Where Miami Valley Hospital is
One facility, taken from the CMS Hospital General Information file, updated 22 July 2026. Listing a hospital is not a statement about which plans contract with it — that is decided plan by plan.
| Hospital | City | County | Emergency room | CMS star rating | Type | Ownership |
|---|---|---|---|---|---|---|
| Miami Valley Hospital | Dayton | Montgomery County | Yes | 3 of 5 | Acute care | Non-profit |
CMS star rating is the federal overall hospital quality rating, 1 to 5, from the same July 2026 CMS file. Small rural (critical access) hospitals often have too few reported measures to be rated.
Why no page can promise your plan covers Miami Valley Hospital
Hospital networks are set plan by plan and renegotiated during the year. Two plans from the same insurer, at similar prices, can differ on whether a hospital is in network. Nothing in the public CMS files records hospital contracts, so any page listing "insurers Miami Valley Hospital accepts" is describing one plan on one day, and not saying which.
What is knowable is the shape of the market: 7 insurers file 115 plans across Montgomery County, and every plan filed in Montgomery County for 2027 is a restricted network — HMO — so out-of-network care is generally limited to emergencies.
Three checks settle it for your own plan: the insurer’s own provider directory for the exact plan name, the hospital’s billing office (ask about the plan, not the carrier), and the date you checked, because the answer can change mid-year.
Miami Valley Hospital in the insurers’ 2027 directory files
Every insurer selling marketplace plans through HealthCare.gov has to publish its provider directory as a public, machine-readable file. These are what those files said on November 2, 2026, for the plans each insurer filed in the county where the hospital is.
Miami Valley Hospital, Dayton (Montgomery County)
| Insurer | What its own file says |
|---|---|
| Ambetter | Not found in its file (19 plans) |
| AmeriHealth Caritas Next | Not found in its file (9 plans) |
| Anthem Blue Cross and Blue Shield | Listed under 11 of 11 plans |
| Antidote Health | Listed under 27 of 27 plans |
| MedMutual | Listed under 9 of 9 plans |
| Oscar | Not found in its file (20 plans) |
| UnitedHealthcare | Not found in its file (17 plans) |
A listing is the insurer’s own claim in its file on that date, not a promise. Directory files are self-reported and can be out of date, a listed hospital can still be out of network for a particular service, and a doctor who works there is a separate question. “Not found” means no record with this hospital’s name at its address turned up in that file; the insurer may list it another way, so it is not proof the hospital is out of network. The free check at the top of this page confirms your exact plan with the insurer before you enroll.
Source: each insurer’s machine-readable provider directory, as indexed in the CMS Machine Readable PUF for plan year 2027 (data.healthcare.gov), matched to the CMS Hospital General Information file by facility name and ZIP code. Plans counted are the 2027 metal-level plans each insurer filed in the county.
The 2027 marketplace where Miami Valley Hospital sits
Filed rates for plan year 2027, before any premium tax credit. Benchmark Silver is the second-lowest-cost Silver plan for a 40-year-old, the plan credits are calculated against.
| County | Insurers filing | Plans filed | PPO sold | Benchmark Silver, age 40 | Family of 4, per month |
|---|---|---|---|---|---|
| Montgomery County | 7 | 115 | No | $627 | $2,004 |
In Montgomery County the insurers filing are Ambetter from Buckeye Health Plan, AmeriHealth Caritas Next, Anthem Blue Cross and Blue Shield, Antidote Health Plan of Ohio, Inc., MedMutual, Oscar Health Insurance, UnitedHealthcare. No PPO is sold here.
How many providers each insurer lists in Montgomery County
Every insurer selling marketplace plans has to publish its provider directory as a data file. The figures count the doctors, clinics and hospitals each one lists at an address in Montgomery County, across the 2026 plans it filed there. CareSource lists the most, 7,159 — but it is leaving this marketplace for 2027. MedMutual lists the fewest, 435.
| Insurer | Providers listed in Montgomery County | Plans filed |
|---|---|---|
| CareSource (leaving this marketplace for 2027) | 7,159 | 21 |
| Anthem Blue Cross and Blue Shield | 5,617 | 11 |
| Oscar Health Insurance | 3,725 | 16 |
| Ambetter from Buckeye Health Plan | 3,312 | 16 |
| UnitedHealthcare | 2,966 | 17 |
| Antidote Health Plan of Ohio, Inc. | 688 | 15 |
| MedMutual | 435 | 12 |
| Molina Healthcare | not counted: its directory file blocks automated downloads | |
From each insurer’s own CMS machine-readable provider directory, downloaded September 25, 2026. A bigger number is not a promise about Miami Valley Hospital. These files are self-reported, they go stale, and one insurer’s plans do not all use the same network — which is why a licensed agent checks the exact plan against Miami Valley Hospital by hand above.
Open Enrollment 2027
CareSource is leaving Ohio's marketplace for 2027, and Open Enrollment runs 1 November 2026 to 15 January 2027. If your 2026 plan is from CareSource, the plan that replaces it is a different plan with its own network. A licensed agent can check Miami Valley Hospital, and any doctors you name, against the plans filed in your county and send you the ones that include them, with the date it was checked.
Emergency care is treated differently
1 of these location run an emergency room. Federal law requires marketplace plans to cover emergency care at in-network cost sharing even when the hospital is out of network, so an emergency visit is not the case to worry about. Planned surgery, imaging, maternity and specialist follow-up are where the network matters.
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