About a million Ohioans have health insurance, but still have to use a large portion of their income to pay for it, according to a new study.

The Commonwealth Fund, a private, nonpartisan research foundation, claims about 13 percent of non-elderly adult Ohioans were labeled "under-insured" in 2012.

"For people that are in the middle-income range we're using 10 percent of their income or more and for lower-income people we're using 5 percent," said Cathy Schoen, the study's lead author.

Ohio is about middle of the pack when compared to other states. New Hampshire's rate of 8 percent is the lowest while Idaho and Utah had the highest in the nation at 17 percent.

"In every state the lowest income people are most at-risk, but this has been moving up the income stream and starting to affect middle-income," said Schoen.

More than one in four Ohioans are either under-insured or don't have any health insurance at all. That's slightly below the national rate.

"This problem has been creeping up," Schoen said.

The Affordable Care Act is already helping with the issue, according to Schoen.

"If you're eligible for buying through the marketplace for low or middle-income people not only is there help with the premium, but there's also provisions for much lower cost sharing," she said.