We provide the guaranteed lowest allowable rates for your Ohio Health Insurance Exchange plans. Whether you are an individual, family, self employed or uninsured, our expert guidance and experience allows you to compare and learn about the most affordable health insurance in Ohio. We will also help you understand and calculate your free federal subsidy that can reduce your premium.
Your free quotes are the best available prices allowed by each carrier. We'll also discuss and review what impact insurance reform (The Affordable Care Act) will have on your specific situation. While most changes have already gone into effect (such as 100% coverage on preventive services), there will be more changes between now and 2016. Some of these changes could impact your premium or benefits.
Instant online individual and family health insurance Marketplace quotes are provided by a broker/agency with more than 30 years of experience. Our free service is provided by live persons. Inexpensive plans are available, and we'll find them for you. We represent all of the major companies, such as Anthem Blue Cross, Aetna, UnitedHealthOne, Medical Mutual, Humana, Healthspan (Kaiser), Celtic and Assurant. We work for you...not the insurers. And we never have and never will charge anyone any fees.
By asking for a free quote at the top of the page, quickly, you'll be able to view, compare or apply for the most affordable high-quality Exchange plans offered to consumers. These rates will be the most competitive prices in the state. You can easily compare different medical plans and apply online, by email, by fax or by mail. And once the policy is approved, we'll continue to provide our free service. We can assist you with billing, claims or administrative issues. And yes...we also provide dental quotes.
Open Enrollment in Ohio for the Health Insurance Exchange started on October 1 (2013) and will run through March 31 (2014). Starting in 2014, the sign-up period will start on October 14th but end on December 7th. This Marketplace will allow you to buy your private individual, family or small business healthcare without risking denial for underwriting reasons.And of course, pre-existing conditions will be covered.
The effective date of coverage for these policies will be January 1, 2014, unless otherwise requested. However, if you apply after December 15th, it is possible your effective date will be later than January 1st. Although the .Gov website is experiencing major delays and glitches, our website offers the same rates and we have had no software issues.
What If I Already Have Coverage?
The new "Affordable Care Act" (ACA) law does require that you have "qualified" health insurance that meets specific requirements including the inclusion of "essential health benefits." However, if you currently own a plan that was issued on or before March 23, 2010, you can probably keep it (if you wish) and would not have to change. Your employer or existing company can verify its "grandfather" status.
Even if preventive benefits are not included with no copays or coinsurance or pre-existing conditions are not covered, it still may qualify. If it is an individual policy, you will have options that allow you to retain coverage. Typically, you receive a letter from your company notifying you of the status. In some situations, you can renew the policyuntil December of 2014 and avoid having to meet ACA requirements.
Low Cost Ohio health insurance plans are offered through this website. Anthem Blue Cross, UnitedHealthone, Medical Mutual, Aetna, Celtic and Humana feature low cost Ohio health insurance policies that are extremely affordable. Premiums for individuals, families, the self-employed or the unemployed will be much lower than you realize after viewing some of the plans.
The best low cost health insurance often contains 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. Most preventive benefits are now covered at 100% with no waiting period.
Recent healthcare reform changes mandated the preventive benefits coverage along with a few other extra items including the elimination of lifetime caps on benefits paid. These extra benefits also apply to high-deductible policies and most other contracts.
Ohio short term health insurance is the least expensive type of medical coverage. If you are a recent high school or college graduate that is no longer covered under a parent’s policy, unemployed, between jobs, a seasonal employee, temporarily uninsured or just waiting for other coverage to begin, then a temporary policy might be your best option. We guarantee that the quotes you view on our website are the lowest available rates allowed by each carrier.
Also, if you are employed part-time or temporarily laid off, on strike, or on Cobra, you may need this type of plan. Temporary health insurance is extremely cheap and is available from the top insurers such as Anthem Blue Cross, UnitedHealthOne (formerly UnitedHealthCare), Medical Mutual, Assurant and Humana.
Ohio individual health insurance plans can be purchased online on our website. Many large companies offer a large selection of plans to meet the ever-changing needs of consumers. Regardless if you're an individual, family, student, self-employed, between jobs, an early retiree or uninsured, we'll find the right private health insurance plan for you.
And unlike many other online sites, we're located in the state (Springboro) and are recognized as the top website for affordable Ohio private medical insurance. The rates you view are the lowest prices offered by each carrier.
In Ohio, UnitedHealthOne, Anthem Blue Cross, Aetna, Humana and Medical Mutual offer the most competitive rates. Individual policies are medically underwritten, so pre-existing 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 private or group coverage, the pre-existing condition clause may be waived.
Recent reform changes could possibly effect the rate you pay, especially in 2014. We'll be happy to review those changes with you, and discuss what specific steps should be taken to maximise your savings.