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 coinsurance, drug benefits, and maximum out-of-pocket expenses, inexpensive and reasonably-priced plans can be reviewed.
You can also view 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. Original Medicare (Parts A and B) does not provide complete coverage for all expenses, including hospital stays, skilled nursing, and doctor bills. Twelve standardized plans are offered (A through L) with requirements and limitations fully explained. A high-deductible Plan F option provides 100% coverage after the deductible has been met.
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 current Administration will have on your specific situation. New plans and carriers are expected to enter the marketplace by 2020. Additional budget-friendly high-deductible options may also be introduced, along with flexible temporary plans.
Free Quick Online Quotes
Instant online individual and family health insurance Marketplace 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 Blue Shield, Aetna, UnitedHealthcare, Medical Mutual, Humana, Molina, CareSource, Ambetter, Paramount, Cigna, Premier, Oscar, AultCare, and SummaCare.
HealthSpan, Premier, Assurant, and InHealth no longer underwrite private individual policies. Several Co-Op companies could not sustain profits and ceased writing business. Many carriers offer Medigap options, but do not offer Exchange plans (UnitedHealthcare, Aetna, Humana, and Cigna). Small business, disability, and employee-benefit contracts are offered in all counties.
By requesting free information at the top of the page, you can quickly view, compare, enroll, or apply for the most affordable high-quality plans offered to consumers. These rates are the most competitive prices in the state, and have no fees. You can also quickly and easily xompare Senior Medicare options, and and enroll or apply by phone, email, online, or through mail.
Our unbiased and expert service continues after the policies have been issued, including help with any billing, claim, or administrative issues. Dental, vision, life, final expense, critical illness, disability, and long term care coverage is also offered by many carriers. Employers with less than 50 employees can also obtain benefits through the SHOP Exchange. Self-employed persons can take advantage of several tax deductions.
Many Affordable Plan Options
Quality benefits can be affordable. There are many policies that can fit your budget and we do the research. These plans help you when you have a claim, and feature the coverage you are likely to utilize. If you have pre-existing conditions, or you have been denied coverage in the past, you do not have to answer any medical questions on the short application. You can not be turned down during Open Enrollment, or if you have a qaulifying life event, which generates a "Special Enrollment Period."
Budget-friendly plans are available in big cities, such as Cleveland, Cincinnati, Dayton, Akron, Columbus, and Toledo, along with smaller cities, such as Dublin, Massillon, Hilliard, Sandusky, Centerville, Loveland, Athens, and Oxford. Provider networks are customized, so that there is a greater chance to cover the physician, specialist, hospital, Urgent Care, or other medical facility that you prefer to visit. Inpatient and outpatient expenses, along with counseling, therapy, mental health, ER, and preventative expenses are covered on all qualified plans.
Catastrophic, comprehensive, self-employed and HSA health plans are reviewed, so we can properly recommend the best policy for you. And as your needs change, and you and your family grow older, we'll be here to review your coverage. Customized coverage helps minimize the cost of expensive medications and chronic treatment, potentially saving thousands of dollars in premiums and out-of-pocket expenses.
If benefits are only required for several months, short-term plans may be suitable. Temporary policies often cost less than $70 per month, although deductibles and coinsurance often must be met, before preventative and non-preventative expenses are paid. Policies can be purchased for 1-12 months, with office visits and prescription drugs included on some plans. These options are popular if you miss an Open Enrollment deadline, or have no major health conditions and do not qualify for a subsidy.
All Marketplace (Exchange) plans contain required essential health benefits, although deductibles, copays, and your out-of-pocket costs can vary. These benefits include:
Preventative services including annual routine physicals, mammograms, and child well-visits
Lab and x-rays
Prescription drugs (Tiers 1, 2, 3, 4, and Specialty)
Inpatient and outpatient Hospital
Emergency Room Services (including Urgent Care)
Maternity and newborn services
Pediatric vision and dental
Substance abuse and mental health
The Obamacare options are classified as "Metal" policies. Platinum is the most expensive option, followed by Gold, Silver and Bronze. It is possible that all of your premium could be paid by a federal subsidy. Platinum-tier plans are designed to pay 90% of your expected medical expenses, Gold-tier plans - 80%, Silver-tier plans - 70%, and Bronze-tier plans - 60%. As previously mentioned, President Trump's initiatives may repeal or drastically change the ACA Legislation. If completed, a new portfolio of plan options would be created, and you will be able to review options and easily apply for benefits.
The lower your household modified adjusted gross income (MAGI), the larger your financial aid will be. We quickly determine if you are eligible for aid and what amount you will receive. CHIP and Medicaid are available if your household income meets Federal Poverty Level (FPL) guidelines. You can also choose to select a policy that does not receive federal aid. Medicare-eligible Seniors can not enroll in Exchange plans.
We'll teach you the things you should know about your policy. For example, what if you have more than a 63-day lapse in coverage? What about a 90-day lapse? Do you need a COBRA or a HIPAA plan? How often should you shop around and change policies? What if I only need benefits for a few months? Are special student plans offered? Is an HSA a good idea for us? When is the best time to apply for Medicare benefits? Is a Medigap plan needed? Do you need Part D prescription drug benefits? We help you with all of these concerns and any others you may have.
Lowest Available Rates
Paying less by “purchasing direct” for some of the items we buy is often possible, but not insurance! Many Quote Services like to advertise that by “buying here 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 Department of Insurance (ODI). No broker or Agency can offer you a “special price.” However, we still give you the choice of applying with the free help from a broker or purchasing direct. Online and phone enrollment is available.
Rates must be approved by the ODI and can not differ from one broker to another. Not even a nickle! Anyone can sell you health insurance. But medical plans are our specialty, and we ensure you receive the best plan for your money. We also take your right of privacy very seriously and continuously update and upgrade the security of this website. When legislative changes occur (such as the new Trump Administration plans), we show you the impact it has on your budget and benefits.
Ohio Health Insurance coverage is just a click away. We help you find affordable medical benefits, and make it easy to enroll for a policy. Whether you need to find on or off Marketplace coverage, we take care of the shopping so you save. Multiple company comparisons are customized to match your priorities. Senior, student, self-employed, temporary, and small-business coverage is offered.