Central Ohio individual medical health insurance plans are very affordable and are available through most of Central Ohio’s major health insurers. Anthem Blue Cross, Aetna, UnitedHealthcare, Medical Mutual and Humana offer low cost medical insurance plans through Ohioquotes.com, the state’s premier trusted resource for Ohio health insurance plans. Rates are guaranteed to be the lowest allowable by the state, so no other broker or website can legally offer a lower rate.

Affordable coverage is available whether you are single, a family, self employed, unemployed, without coverage or on Cobra. Many Central Ohio counties feature extremely competitive rates compared to other parts of the state. Comprehensive, catastrophic and Health Savings Account (HSA) plans are instantly available by clicking on the “Get Instant Quote” button at the top of the page. You can view, compare or apply online for individual medical health insurance coverage from the top companies. And we’ll work closely with you to help select the plans that best fit within your budget but provide the benefits that you need.

Some of Central Ohio’s counties include Franklin, Madison, Union, Delaware, Licking, Fairfield, Pickaway, Morrow and Knox. UnitedHealthcare’s rates are especially competitive in most of those counties. Their “Copay Plus” and “Copay Saver” plans are comprehensive policies that feature office visits, prescriptions, preventive benefits and major medical coverage. Basic maternity coverage is also an inexpensive available rider with most UnitedHealthcare plans.

Although individual HMOs are not available in this portion of the state, Aetna’s “First Dollar PPO 40” plan offers similar features, such as a “no deductible” benefit. Unlimited office visit coverage is provided ($40 copay) with comprehensive prescription and preventive coverages.

Ohio Health Savings Accounts (HSAs) are a popular option for the self employed or any individual or family. HSAs are an affordable alternative to traditional Central Ohio individual medical insurance plans. It’s a savings account that allows you to pay for current qualified health, dental and vision expenses and save for future expenses on a tax-free basis. Premiums are typically hundreds of dollars per month less than a low-deductible comprehensive plan. For example, a family of four in Franklin County (Male 40 Female 40 and two children) would pay only $196 per month ($5,000 Deductible) or $271 per month ($3,000 Deductible) for an Anthem Blue Cross HSA. Medical Mutual also offers competitive Ohio HSA rates. We do NOT offer coverage through Mega Life and Health insurance or Cinergy Health Insurance companies and we’ll be happy to discuss our reasons if you call us.

Whether you need catastrophic, comprehensive or temporary short-term coverage, if you live in Central Ohio, Southern Ohio or any other part of the state, we’ll help you find the right plan at the best available price. Feel free to view an “Instant Quote” online, call us or email us.

Ohio health insurance reform has begun. So far, no major changes have occurred that will affect you. While we believe that the proposed health care reform changes will ultimately  increase Ohio health insurance rates, we””ll continue to monitor the progress and hope that rates stabilize.

Listed below are some of the most recent and relevant news/blog articles:

Health Care Reform Will Cost $115 Billion More

Health Care Reform Package Flawed

Suit To Overturn Health Care Law

Health Care Critics Missing The Point

Health Care Reform Will Impact Southern Ohio

Small Business Group Joins Health Reform Lawsuit

Medical Mutual Of Ohio has introduced two new Ohio individual health insurance plans. The “Elite” and “Premium” copay plans are now available to Ohio residents. Ohioquotes.com offers all Medical Mutual Of Ohio individual health insurance plans at the guaranteed lowest allowable rate. By clicking on the “Get Instant Quote” button at the top of the page, instantly you can compare, review or apply online for Medical Mutual’s best plans.

The “Elite” and “Premium” individual health plans offer copay coverage (not subject to a deductible) for office visits, specialist visits and Urgent Care visits. Routine physical exams, Well-Child services and Well-Child exams are also not subject to a deductible. Prescription benefits are included along with a lifetime maximum of $7.5 million.

Additional covered benefits for the Medical Mutual Of Ohio “Elite” and “Premier” plans  include inpatient and outpatient services, mental health and substance abuse coverages, home health care and diagnostic services. Optional rider options include prescription benefit upgrade, maternity, dental and vision, and life insurance. We’ll be happy to review your specific situation to determine if any of the optional riders are worth considering.

Medical Mutual individual health insurance rates appear to be the most competitive in the Cincinnati area and in Northern Ohio. Of course, there are many other smaller pockets of the state where their rates may be quite competitive as well. For additional information, please call us at (888) 513 6446.

SuperMed One Elite Plan With Office  Copay

SuperMed One Premium Plan With Office Copay

Rising health insurance premiums in Ohio are a concern for most Ohioans that pay for their own health care. Whether you’re an individual, family, self-employed or without Ohio medical coverage, rising health insurance premiums are starting to take their toll. But, affordable Ohio health insurance plans are available, and specific steps can be taken to reduce costs.

As the recognized premier trusted resource for affordable Ohio health coverage, we offer many low cost plans that are rich in coverage and may substantially reduce the amount you pay. If you don’t currently have health insurance, some of these plans are great “starter” plans that will keep your premiums low. The rates you view on this website are guaranteed to be the lowest allowable by the state. Rising health insurance premiums in Ohio will continue, but here are a few steps you can take now to reduce your cost:

• If you have been with the same health insurance company for more than three years and you have no significant medical issues, it may be time to compare quotes from different companies.

• Raise your major medical deductible. For example, by raising your deductible from $500 to $2,500, you could save $1,000 for an individual policy and more than $2,000 for a family policy. Assuming you don’t have many catastrophic claims, the total savings on your Ohio health insurance plan could be substantial.

• Consider an Ohio HSA (Ohio Health Savings Account). Premiums are 25%-50% less than traditional plans and preventive benefits are not subject to a deductible. Naturally, there are many other factors to consider and we’ll be happy to review your options. HSAs are a very popular form of affordable family health insurance.

• If your health has improved or you have stopped smoking since you purchased your Ohio policy, inquire about “changing your rate class.” It’s possible you may be able to reduce your rising health insurance premium.

• Health insurance for self employed persons can be very expensive. If you are the only insureds on a group plan, Ohio individual health insurance rates may be more affordable. However, individual plans may offer less coverage than your current group policy.

Increasing health insurance premiums in Ohio are one of our biggest concerns. We believe it’s important to carefully review all of your options and recommend specific plans that will allow you to stay within your budget.

To instantly view, compare or apply for affordable Ohio health care, please click on the “Get Instant Quote” button at the top of the page. Or you can speak to us personally at (888) 513 6446. Your personal information is never shared with any other person or company.

Ohio Health Savings Accounts have a new contribution limit for 2010. The annual contribution limits have been increased to $3,050 for individual HSA coverage and $6,150 for family HSA coverage. The 2010 minimum annual deductible is $1,200 for individual HSA coverage and $2,500 for family HSA coverage.

A Health Savings Account (HSA) is an affordable alternative to traditional health insurance that offers Ohio residents an alternative method to pay for their health care. HSAs enable you to pay for current health expenses and save for future qualified medical expenses on a tax-free basis. Most major Ohio health insurance companies offer HSAs. The most competitive rates are offered by Anthem Blue Cross, Medical Mutual, Aetna, UnitedHealthOne and Humana.

You must be covered under a High Deductible Health Plan (HDHP) to qualify to make an HSA contribution. An HDHP is an inexpensive health insurance policy that costs substantially less than a traditional Ohio health insurance plan, and offers you the opportunity to deposit the money you save into the HSA.

As Ohio’s premier trusted resource for affordable HSA coverage, we research all of the major health insurance companies. Only the highest-quality plans are considered with most offering preventive coverage that is not subject to a deductible. The quotes rates are the lowest allowable by the state.

To instantly view, compare or apply for an Ohio HSA, please click on the “Get Instant Quote” button at the top of this page. Your personal information is never shared with any other person or company.

Department of the Treasury Official HSA Publication