Affordable Ohio Health Insurance Plans

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Central Ohio Individual Medical Health Insurance Plans

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Central Ohio individual healthcare insurance plans are very affordable. Rates in the Columbus area and a 50-mile radius around Columbus are often the lowest premiums available in the Buckeye State. Maybe there’s something in the water! A typical visit to the Ohio State University Hospital emergency room will not cost as much as a similar visit in either Cleveland or Cincinnati. Regardless if you need small business group coverage for employees, or a low-cost plan for your family, we can help.

Affordable benefits are available whether you are married, unmarried, 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” section at the top of the page. You can  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.

Counties In The Area

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. Many additional riders are available including dental and vision. Medical Mutual “Wellness” plans are also very economical options in this part of the state. Aetna and Humana have a few plans that are budget-friendly, especially for single persons.

Although individual HMOs are not available, there are many “low deductible” policies that drastically reduce your portion of a large medical bill. However, these types of policies are much more expensive and may actually cost you quite a bit of extra money in premiums over many years. PPO policies are offered by all of the reputable insurers, and because of the demographics of this part of the state, plenty of  “in-network” facilities are within driving distance.

HSA Options

Ohio Health Savings Policies (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 while receiving tax benefits. Premiums are typically hundreds of dollars per month less than a low-deductible comprehensive plan. You can also choose the financial institution that administers the savings portion, and randomly make deposits into the account.

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 or Cinergy Health,  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,  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.

Legislative Reform Update For 2010

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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

Health Care Reform Will Impact Southern Ohio

Small Business Group Joins Health Reform Lawsuit



April  2012. Of course, most of you know that the Supreme Court has heard arguments and is determining the legality  of forcing consumers to purchase health care coverage. A decision should be made within the next 90 days. If the mandate is ruled unconstitutional, the future of the entire “Affordable Care Act” will be in jeopardy. We’ll try to keep you updated. -Ed

August  2012. The mandate is constitutional! So get ready for the Exchanges in 2014. Our website will continue to provide up to date rates and online applications.

January 2017 – The future of Obamacare is murky. President Trump will be tweaking, replacing, or repealing the ACA Legislation. We expect significant changes will be proposed within six months, and by 2019, most of these changes will be effective.

Individual Medical Mutual Ohio Health Insurance Plans

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Medical Mutual Of Ohio has introduced two new plans. The “Elite” and “Premium” copay plans are now available to Buckeye State residents. We offer Medical Mutual policies to families, individuals, and small businesses. We help you determine which plan will cover the benefits that are most important to you. You can apply direct, through an online link, or we can assist you when you enroll for coverage (you never pay any fees).

The “Elite” and “Premium”  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, and there is no lifetime cap on claims that are paid for covered benefits. This plan compares quite favorably to UnitedHealthOne’s Copay Select and Anthem’s Premier policies. Rates depend on county of residence, age, tobacco use, and existing medical conditions.

Popular Plan For Families With Children

These types of policies are very popular in households that have at least two small children. Because you are most likely to have multiple non-preventive office visits, it’s important to pay a low amount for these charges. However, for households that have very few medical expenses, a catastrophic or HSA plan may be a better choice. Medical Mutual, Anthem and UnitedHealthcare offer competitively-priced high-deductible plans.

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. Deductibles and copays will vary, depending on the plan. All policies utilize a provider network. Details regarding availability of doctors and hospitals can be found here.

We can review your specific situation to determine if any of the optional riders are worth considering. Maternity rates are very high on these two plans, so if that coverage is desired, we recommend a Humana or Anthem policy. However, a waiting period may be imposed along with a special deductible. And of course, any person (or their spouse) that is pregnant at the time the application is submitted, will be rejected.

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.


January 2017 – Since the publication of this article, MM has revamped its portfolio (both Under-65 and Senior). You can view Medical Mutual health insurance plans on the main website.  Coverage is available for persons under age 65 and Seniors.

Rising Health Insurance Premiums In Ohio Hurting Families

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Rising health insurance premiums in Ohio are a concern for most consumers that pay for their own medical coverage. As higher rates are starting to take their toll, many residents of the state are looking for options that will reduce prices, while maintaining existing benefits. But, affordable policies are available, and specific steps can be taken to reduce costs. Many of these recommendations  can be implemented immediately.

We help you find and compare many low-cost plans that are rich in coverage, and may substantially reduce the amount you pay. If you don’t currently have  insurance, some of these plans are great “starter” policies that will keep your premiums low.  Increasing prices will continue, but here are a few steps you can take now:

  • If you have been with the same  insurance company for more than two years and you have no significant medical issues, it may be time to compare quotes from different companies. Remember…the quotes are always free and you do not have to accept an offer that is made to you. However, with annual Open Enrollments, you can shop, compare (and change) policies every year, if it’s cost-effective. Note: When terminating coverage and signing up with a different carrier, always verify your providers are “in-network.”
  • 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 plan could be substantial. And over many years, the savings will be greater. If you remain in reasonably good health, the savings will continue each year.
  • Consider an Ohio HSA (More Information Here). 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. Your state and federal taxes will potentially reduce when you make contributions, although funds must be spent on qualified medical, vision, or dental expenses. Drugs must be prescribed and not over-the-counter.
  • If your health has improved or you have stopped smoking since you purchased your policy, inquire about “changing your rate class.” It’s possible you may be able to reduce your  premium. It might be only a few dollars but perhaps more. And you will not be putting existing coverage in jeopardy by making this request.
  • Medical 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, especially if you need maternity or mental illness benefits.

More innovative options may have to be created in the upcoming years to compensate for some of the changes due to government legislation. Although tax incentives and credits may help low-income earners (and we applaud that), individuals and families in higher tax brackets (not the highest) will be facing some challenging financial decisions. We’ll be here to help find solutions.

Increasing health insurance costs 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. The plans are there, and our priority is to help you find them, explain to you the benefits and costs, and apply in the easiest way so you can obtain the policy.

Ohio Health Savings Accounts (HSA) 2010 Contribution Limits

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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  coverage. The 2010 minimum annual deductible is $1,200 for individual HSA coverage and $2,500 for family  coverage.




Guidelines and Changes from 2009 to 2010

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Maximum contribution




Minimum deductible




Out-of-Packet maximum




Maximum contribution




Minimum deductible




Out-of-Pocket Maximum





A Health Savings Account (HSA) is an affordable option to traditional medical coverage that offers Ohio residents an alternative method to pay for their health care. HSAs enable you to pay for current medical, dental, and vision expenses, and save for future qualified medical expenses on a tax-free basis. Most major companies offer them. The most competitive rates are offered by Anthem Blue Cross, Medical Mutual, Aetna, UnitedHealthOne and Humana. Several smaller carriers offer policies, although their prices are not as competitive.

You must be covered under a High Deductible Health Plan (HDHP) to qualify to make a contribution. An HDHP is an inexpensive  policy that costs substantially less than a traditional plan, and offers you the opportunity to deposit the money you save into the HSA. You can choose the level of risk (if any) you would like to take, or simply deposit funds in a “fixed interest” account.

We research all Group and private plan options for consumers. Regardless where you live or your what medical conditions exist, our shopping helps you find lower premiums. Only the highest-quality plans are considered with “qualified” policies offering preventive coverage that is not subject to a deductible. The quoted rates are the lowest allowable by the state, since premiums are mandated. That ultimately protects the consumer.

To instantly view, compare or apply for an Ohio HSA, please click on the “Get Instant Quote” button at the top of this page.