Ohio health insurance rates are actually quite affordable compared to other states. But whether you’re paying $60 per month or $560 per month, that’s too much. Right?

Well…here are 10 money-saving ideas that might reduce your Ohio health insurance rates. While all of these tips may not apply to you, perhaps a few will lower your premium.

· Raise your major medical deductibles. By increasing the deductible from $1,000 to $2,500, a family of four could save $2,000 per year.

· Consider an Ohio Health Savings Account (HSA). If you don’t have a lot of medical expenses, an HSA could potentially save you tens of thousands of dollars over your lifetime.

· Raise copay amounts if you are not using your office visit coverage more than three times per person per year.

· Combine all family members on one policy to possibly reduce rates. However, if the adult coverage should be different than the dependent coverage, two separate policies might reduce premiums.

· Compare rates every three years. Ohio health insurance rates generally increase each year, and your rates may be increasing faster than other companies.

· If you stopped smoking, notify the Ohio health insurance company. You may be eligible for a reduced rate.

· Are you paying for unneeded coverages? The removal of symptomatic office visit coverage could save hundreds…perhaps thousands of dollars every few years.

· Ask about “Wellness discounts.” Some Ohio health companies will reduce your premium if you regularly exercise and meet other requirements.

· Make sure you are using the “Preferred” Network if you have a PPO policy. You may be paying a higher premium because you are using the wrong Network.

· Purchase your policy through an Ohio broker, not an out-of-state agency that may recommend the wrong plan.

Perhaps the best tip is to let us research and recommend the best plan for you. We’re Ohio’s leading resource for Ohio health insurance plans and your rate is guaranteed to be the lowest allowed by the state.

To instantly view, compare and apply for high quality health plans, please click on the “Get Instant Quote” button at the top of the page. Or call us at (888) 513-6446.

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