Cincinnati Health Insurance Rates
Affordable Cincinnati health insurance insurance plans cost less than most comparable plans offered in nearby states like Indiana, Kentucky and Pennsylvania. Traditionally, medical rates in Southwestern Ohio have also always been low compared to other parts of the state.
For example, catastrophic coverage for a healthy 40-year old husband and wife in the Cincinnati area would cost approximately $130-$150 per month. United HealthCare and Aetna would offer the most competitive rates. Comprehensive coverage would cost approximately $180-$250 per month. Medical Mutual, along with a few other carriers would offer very attractive options. Rates in Northern Ohio, for similar coverage, would be approximately 10%-15% higher.
Many factors can affect rates, such as medical history, smoking status and height/weight. If prior credible coverage has been in effect for more than 12- 18 months, some health insurance companies will cover pre-existing conditions, if accepted by underwriting. Most of the major companies that offer competitive rates in the Cincinnati area, also offer similar rates in surrounding counties, such as Warren, Butler, Clermont and Montgomery.
Perhaps one the most overlooked factors that is used in determining your rate is your zip code. For example, the 452 zip code features extremely attractive rates from Medical Mutual, especially their Health Savings Accounts. Oddly, in the 451 zip code, UnitedHealthcare’s rates become quite high compared to their normal rates in the surrounding area. Part of our service is to make sure you know which carriers are the best choice for your needs.
We’re located just North of Cincinnati and monitor local rates very closely. With more than three decades of experience (my, time flies!) we are the region’s premier expert authority on identifying policies that meet your quality standards and also are easy on your pocketbook. You can call us for a quote or use the “Quote” section in the top part of the page. Don’t worry. Your information is secure and is not shared like many other websites.
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