View the guaranteed lowest allowable rates for your 2018 and 2019 Ohio Health Insurance Exchange plans. Whether you are an individual, family, self employed, Senior, or uninsured, our expert guidance and experience allows you to compare and learn about the most affordable on or off-Marketplace health insurance in Ohio. Easily review all plans in your area, and customize the copays, deductibles, and rate that fits your budget.
We also help you understand and calculate your free federal subsidy that can reduce your premium. Both subsidized Obamacare and non-ACA plans are available. Enrolling in a new plan takes only 15-20 minutes. By comparing copays, coinsurance, deductibles, and maximum out-of-pocket expenses, inexpensive and reasonably-priced plans can be reviewed.
You can also review Senior Medigap plans offered in the Buckeye State. Choose among Medicare Advantage, Supplement, and Part D prescription drug coverage offered by multiple companies. If you have reached age 65, you are probably eligible for benefits. Medigap plans can pay many common out-of-pocket expenses.
Your free Marketplace quotes are the best available prices allowed by each carrier, and there are no costs or obligations. We also discuss and review the impact that the Affordable Care Act and the Trump Administration will have on your specific situation.
Instant online individual and family health insurance Marketplace and Senior quotes are provided by our broker/agency with more than 37 years of experience. Our free service is provided by live persons. Inexpensive plans are available, and we find them for you. We provide rates and information for all of the major companies, such as Anthem Blue Cross, Aetna, UnitedHealthcare, Medical Mutual, Humana, Molina, CareSource, Ambetter, Paramount, Cigna, Premier, Oscar, AultCare, and SummaCare.
HealthSpan, Assurant, Premier, and InHealth no longer underwrite policies for persons under age 65. Many carriers offer Medigap options, but do not offer Exchange plans (Aetna, Humana, Cigna, and UnitedHealthcare).
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 private 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 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 began on November 1st for 2018 effective dates. However, SEP exceptions are available throughout the entire year. This Marketplace allows you to buy your private individual, family or small business healthcare without risking denial for underwriting reasons. Pre-existing conditions are covered, and no waiting periods or surcharges will be imposed. Exchange enrollment was higher than last year, despite recent Medicaid expansion.
The effective date of coverage for these policies depends upon when the application was submitted. However, if you apply after December 15th, it is possible your effective date will be later than January 1st. Although the .Gov website has experienced major delays and glitches, our website offers the same rates and we have had no software issues. We also provide a much easier enrollment process that will save you hours of time and frustration, since we handle the bulk of the work for you. Anthem Blue Cross has decided to withdraw from the Buckeye State in 2018, with the exception of one catastrophic plan offered in Pike County.
NOTE: Open Enrollment for Seniors (Age 65 and older) always starts earlier. Medicare Supplement and Advantage plans (that replace original Medicare) are popular Medigap options that can reduce out-of-pocket expenses, such as deductibles and copays. Part D prescription drug coverage is also offered, although sometimes included in Advantage contracts. An additional enrollment period takes place when you reach age 65, regardless of the time of year. Many companies (UnitedHealthcare, Cigna, Aetna, Colonial Penn, Gerber, Medico, USAA, and Humana) offer Medigap plan to Seniors, but not private individual coverage if you are under age 65.
What Happens If I Miss The Deadline?
Even though Open Enrollment ends, there are still low-cost plans that will provide quality coverage. And actually, many of the top-rated companies (such as UnitedHealthcare) underwrite these plans. For example, short-term coverage can be kept up to 12 months, which provides valuable benefits until the next OE period at the end of the year. The application is short and takes less than 20 minutes to complete. If you need the policy quickly, your wait will likely be less than 24 hours. Additional products (critical illness, term life, dental, disability, and vision) can be purchased at any time.
Temporary plans have become extremely popular with consumers who do not want to participate in the Marketplace and prefer to purchase simple major medical coverage that provides "no frills" benefits. "Special" enrollment periods are offered if you qualify for several exclusions. These are discussed later in the article. However, if your policy does not comply with ACA guidelines, you will be assessed a penalty.
Other benefit-specific policies may be ideal for keeping premiums within your budget after the deadline passes. The range of coverage will vary. First-dollar plans, limited-benefit and more comprehensive policies can be easily compared and designed specifically to fit your needs. Simply ask us about them!
What If I Already Have Coverage?
The "Affordable Care Act" (ACA) law requires 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.
You may also receive correspondence that you have to replace that plan. If you receive a letter or email indicating that the existing policy will terminate, please contact us immediately, so we can review your options, which may include extending the termination date of the contract. Each carrier has the discretion to either continue or terminate private plans. However, if you need to replace your current policy, we will review your best offers.
Even if preventive benefits (which are now mandatory) are not included and pre-existing conditions are not covered, it still may qualify as a grandfathered contract. 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 your previously-purchased policy and avoid having to meet ACA requirements.
Low-cost Ohio health insurance plans are offered through the Marketplace. Medical Mutual, Ambetter, Oscar, Molina, SummaCare, and CareSource feature budget-friendly policies that are extremely affordable and inexpensive. Premiums for individuals, families, the self-employed, or the unemployed will be much cheaper than you realize after viewing some of the plans.
We help you apply and enroll for both on and off-Exchange Marketplace policies. This means you never have to answer medical questions, take a physical, or meet specific underwriting guidelines. Quality benefits are no longer impossible to obtain and the ACA subsidy could pay most or all of your premium payments.
The best 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.
Get the cheapest short-term medical coverage available in Ohio. If you are not working, are a recent high school or college graduate that is no longer covered under a parent’s policy, unemployed, between jobs, a seasonal employee, currently 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. ST health insurance is extremely cheap and is available from UnitedHealthcare, National Greneral, and several smaller companies.
Ohio individual and Medicare 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. We simplify the process of comparing Marketplace plans and enrolling online.
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, whether on or off the Exchange. If you aren't offered group benefits by your employer, you will be able to easily choose a budget-friendly plan and obtain coverage.
In Ohio, UnitedHealthcare, Anthem Blue Cross and Blue Shield, Aetna, Humana, Molina, and Medical Mutual offer the most competitive rates. Competitively-priced options are also available through Premier, Ambetter, SummaCare, HealthSpan, InHealth, and CareSource. Individual policies are no longer medically underwritten, so pre-existing conditions do not increase the rate.
Recent reform changes will effect the rate you pay, now that federal subsidies are available to help pay the cost of a policy. We'll be happy to review those changes with you, and discuss what specific steps should be taken to maximize your savings.