We provide the guaranteed lowest prices for your Ohio health insurance plan. Whether you are an individual or family, our free service allows you to find the most affordable individual or family health insurance in Ohio.
Instant online health insurance quotes are provided by an Ohio broker with more than 29 years of experience. This free service is provided by a live person…and your name and information is NEVER shared with anyone...unlike many other sites. Inexpensive Ohio health insurance plans are available, and we'll find them for you.
By clicking on the "Get Instant Quote" at the top of the page, instantly, you'll be able to view and compare the most affordable high-quality plans in Ohio. These rates are guaranteed to be the lowest allowable in the state.
Good Ohio health insurance can be affordable. There are many plans that can fit your budget and we’ll do the research. These plans will be there when you need them, and contain the coverages you are likely to use most.
Saving money by “buying direct” for many items we purchase is often possible…except with insurance! Many Insurance Quote Services like to advertise that by “buying direct,” you are saving money. Quite simply, this is not true. Any individual or agency in Ohio that offers insurance, must be licensed by the Ohio Department of Insurance (ODI). No broker or Agency can offer you a “special price.”
Rates must be approved by the ODI and can not differ from one broker to another. Not even a penny! Anyone can sell you health insurance. But Ohio health insurance policies are our specialty and we’ll make sure you receive the best plan for your money.
Low Cost Ohio health insurance plans are available through most major Ohio health insurers. Anthem Blue Cross, UnitedHealthone, Medical Mutual, Aetna and Humana feature low cost Ohio health insurance policies that are extremely affordable.
Low cost health insurance plans often contain coverages found in more expensive policies. While catastrophic expenses are usually covered, additional benefits such as office visits, prescriptions, preventative exams and lab/X-ray costs are also sometimes included.
By clicking on the “Get Instant Quote” button at the top of this page, you’ll be able to instantly view and compare almost all of the available Ohio health insurance plans at the lowest rate allowed by the state. However, before you view your options, I have listed below some low cost Ohio health insurance plans with surprisingly comprehensive benefits.
UnitedHealthOne Copay Saver plan allows two office visits per person per year (subject to a $35 copay). Generic prescription coverage is included and subject to a $15 copay. Adult and children preventative doctor office visits are also included and subject to a $35 copay. Mammograms, Pap smears and PSA testing are subject to the deductible. A wide range of deductibles is available, making this plan one of the most affordable Ohio low cost health insurance policies.
Anthem Blue Access Value plan also allows two office visits per year, with a $30 copay. Generic and Brand-name Formulary prescriptions are covered. However, like most low-cost plans, Non-formulary prescriptions are not covered. Most preventative services are included but subject to the major medical deductible. A generous $5 million lifetime maximum benefit is also included. This Anthem Ohio health plan often costs less than all of the other “low cost” plans. However, it also lacks some of the coverages found in the other plans.
Anthem SmartSense Generic RX plan is a slight upgrade from the Anthem Value plan. Three (instead of two) office visits are covered, subject to a $35 copay. Subsequent office visits are subject to a deductible. Other office visit services are covered at 70%. Generic formulary prescriptions plus a limited number of brand-name drugs are subject to a $15 copay or 60% (whichever is higher). Some child preventative coverage is included and the annual lifetime maximum of $7 million is quite high for a low cost Ohio health insurance plan. Aetna Preventive and Hospital Care 3000 plan is perhaps the ultimate “low cost Ohio health insurance plan. Premiums continue to be low, despite a rate increase in mid-2009. Essentially, the plan is a catastrophic policy that also includes comprehensive preventive coverages. Annual routine GYN exams, Pap/mammogram and routine physicals are all covered without having to meet the $3,000 policy deductible. The annual lifetime maximum of $1 million is adequate. Aetna Ohio medical plans have been growing in popularity since 2005.
UnitedHealthOne Copay Select plan offers the most coverage of any of the low cost plans. Unlimited covered office visits are subject to a $35 copay and most preventative benefits are included (subject to a 90-day waiting period). Generic and non-generic prescriptions are included along with a dental/vision discount program included in the premium. However, to keep premiums low, a major medical deductible of at least $3,500 should be selected. In many areas of Ohio (especially the Central and Southwestern part), this health insurance plan is extremely popular.
These five low cost plans should always be considered when evaluating affordable Ohio health care. But there hundreds of additional policies offered by the major health insurers, and some may be the best option for you. That’s where we can help. We’ll research all of your options…not just a few.
To instantly view, compare or apply for the most affordable Ohio health insurance plans, please click on the “Get Instant Quote” button at the top of the page. Or, you may call us at (888) 513 6446. Your information is never shared with any other person or company.
Ohio Self-Employed health insurance plans are very affordable and are offered by all of the major health insurance companies. Starting your own business doesn't mean that you have to take the risk of being uninsured. Self-Employed Ohioans have many affordable options to consider when purchasing their own health insurance. And Ohio features some of the lowest health care costs in the US.
One of the most popular plans is a Health Savings Account (HSA). HSAs are designed to help individuals and families save for future qualified medical and retiree health expenses on a tax-free basis. Plans are available from most Ohio health insurers, such as Anthem Blue Cross, Aetna, Medical Mutual, UnitedHealthOne and Aetna. Premiums are usually quite lower than Cobra health insurance rates.
To open an HSA, you must have a qualified “High Deductible Health Plan” (HDHP), which is a type of medical plan that has a higher deductible than a typical health insurance policy. The HSA itself is a savings account that allows you to contribute funds on a tax-preferred basis. Qualified deductible expenses can also include dental and vision costs. Medical Mutual and Anthem HSA rates are usually the most competitive.
Reducing the cost of Ohio self-employed health insurance can be accomplished in many ways. Increasing your major medical deductible can reduce premiums by 30% or more. With many policies, office visits and prescriptions are not subject to a deductible, and therefore, would not be affected.
Comparing several policies is always advisable. Every Ohio health insurance company bases their self-employed rates on various factors, including smoking status, health, and the county where you live. You should be able to obtain more affordable health coverage by considering many plans.
Health insurance for the self-employed can be molded and shaped to meet specific needs. Each situation is different, and our job is to research, evaluate and recommend the most suitable plan. Please call or email us and we'll help you choose your best option.
HSA Frequently Asked Questions
Ohio HSA Plans
Who needs Ohio short term health insurance? Do you? Well…if you are a recent high school or college graduate that is no longer covered under a parent’s policy, then an affordable Ohio short term health insurance coverage might be your best option.
Also, if you are employed part-time or temporarily, between jobs, laid off, on strike, or waiting for your permanent insurance to begin, you may need Ohio short term coverage. Temporary health insurance is extremely inexpensive and is available from the top Ohio insurers such as Anthem Blue Cross, UnitedHealthOne (formerly UnitedHealthCare), Medical Mutual and Humana. Rates are often just a fraction of the cost of a conventional policy.
Short Term Policy Features
*Coverage is designed to be effective for a short period of time…usually between 1 and 12 months. Once the policy ends, you may be forced to re-qualify for additional coverage. If you have paid for coverage that you have not used, a refund will be processed on the unused portion.
*Pre-existing conditions are generally not covered. Also, coverage is usually “catastrophic” instead of “comprehensive.” However, some plans, such as the Medical Mutual short term policy, will provide some office visit coverage. Prescription benefits are often included, subject to policy limitations.
*Rates are typically low…as much as 30%-60% less than a conventional policy. And because of its low cost, preventative coverage is usually not included.A wide variety of deductibles is usually available, ranging from $250-$5,000.
*Most Ohio short term insurance plans allow you to pay monthly, or pay all of your premiums in advance. When paying in advance, most companies discount the rate. A typical Ohio short term health insurance plan is usually approved within 24-48 hours. The standard short-term application is short and typically takes less than 20 minutes to complete.
Applying For Coverage
Ohio short term coverage is not the right solution for everyone. But if you’re not presently insured, it is often an attractive low-cost option worth considering. Please don't hesitate to call us at (888) 513 6446 for additional information.
To view Ohio short term rates, simply click on the “Get Instant Quote” link at the top of this page. Instantly, you can compare and apply for the top Ohio short-term health plans. Your personal information is never shared with any other person or company.
Ohio individual health insurance plans are available at extremely affordable rates. Most major Ohio health insurance companies offer a large selection of individual plans to meet the ever-changing needs of consumers. Whether you're self-employed, between jobs, an early retiree or uninsured, we'll find the right Ohio individual health insurance plan for you. And unlike many other online health insurance sites, we're located in Ohio (Springboro) and are recognized as the premier resource for affordable Ohio individual health insurance.
In Ohio, UnitedHealthOne, Anthem Blue Cross, Aetna, Humana and Medical Mutual offer the most competitive rates. Individual policies are medically underwritten, so pre-existing medical conditions can sometimes increase the rate. However, in most cases, these conditions will not cause a denial of coverage. And if you have prior credible coverage, the pre-existing condition clause may be waived.
The three types of Ohio individual health insurance are “comprehensive,” “catastrophic,” and Health Savings Accounts (HSAs).”
Catastrophic plans generally cover only the major medical expenses, and rates tend to be very low. Sometimes referred to as a "High Deducible Health Plan," out of pocket expenses tend to be higher, with limitations on office visit and prescription coverages. In some cases, preventive benefits are included.
Comprehensive plans add office visit and prescription coverages, and tend to be the most expensive plans. But raising the deductible on the major medical items can keep the premium quite affordable. Some Ohio individual health insurance plans will offer a reduced rate, by limiting the number of covered office visits. Another available option to reduce premiums is limiting the type of prescriptions that are covered or the dollar amount of covered prescriptions per year.
HSAs, a popular Ohio individual health insurance plan, are most effective when major medical and preventative coverages are a priority. Rates are often fairly low, and additional tax advantages help make the HSA an attractive option to consider. The amount of premium saved by purchasing the lower-premium/higher deductible policy can be deposited into an HSA account, to pay for qualified medical expenses.You control the money in the account and have complete access at all times.
Ohio individual health insurance rates are available by clicking on the "Get Instant Quote" button at the top of the page. Instantly, you can view, compare or apply for high quality plans. Your personal information will never be shared with any other person or company. And there is never any fee for our services, so feel free to call or email us as often as you like.
