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Are There Any Good Healthcare Plans In Ohio? How Much Do They Cost?

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The Buckeye State offers many medical insurance plans that are budget-friendly, and accepted by most Ohio physicians, specialists, and hospitals. Group, private, Senior, student, and short-term coverage is available in all parts of the state. However, the number of available companies has been reducing for persons under age 65 that are not eligible for Medicaid or early Medicare. Anthem BCBS, Aetna, Humana, Premier, and UnitedHealthcare will not offer ACA-compliant coverage in 2018.

Your health insurance quote is just seconds away! Instantly, you will be able to see prices from all carriers and the plans they offer. And don’t worry. We don’t need your phone number.  We only consider high-quality health insurers, and we also filter out several companies that are not rated “A” by A.M. Best Company or have had consumer complaint issues.

Lowest Available Rates

Our quoted rates are the lowest you’ll find from any licensed broker or authorized website. We’re located just North of Cincinnati and will help you find affordable medical plans at prices that simply can’t be beat. Like most states, premiums are regulated by the Department Of Insurance. We utilize “direct” pricing and update prices and benefit changes daily. Typically, there are no “enrollment” or “application” fees for qualified plans. However, “short-term” plans often charge a one-time fee of approximately $15-$25.

Ohio Health Insurance Online Quote


Dozens of out-of-state websites can be found online. But many of these sites recommend outdated and unpopular plans that often are not the best option. And these websites may not be able to accurately explain the differences between Ohio plans that appear similar, but are actually quite different. With more than 35 years of insurance experience, we’ll locate the policies that help you the most, but cost the least.

When we prepare your report, all of the different types of plans will be presented to you. Comprehensive plans. Catastrophic plans. And Health Savings Accounts (HSAs). Also…your quote is always personalized to insure you’re getting the coverage you need. For example, if there are small children in the household, immunizations and well-checkups will be emphasized, although all qualified plans provide 100% coverage for preventive benefits.

Senior Medigap Options For Applicants That Have Reached Age 65

Medicare Supplement contracts are standardized, which means that, benefits for the same types of policies (A, B, C, etc…) can not vary from one carrier to another. For example, all plans (A, B, C, D, F, G, K, L, M, and N) cover Part A coinsurance and hospital expenses for 365 days after Medicare benefits end. Plans C and F cover the Part D Deductible. And Plans F and G cover Part B excess charges.

This standardization helps consumers compare plans, since prices, and not benefits, are the main differences. Medicare Advantage plans, and Part D prescription drug plans, however, are not standardized, so properly comparing features is more challenging. Also, not all Advantage contracts include prescription benefits.

Less-Expensive Under-65 Major Medical Plans

If you prefer a major medical policy that features low rates, we’ll pick plans that remove the coverage that you don’t need, and shouldn’t pay for. If you only need benefits for a few months, there are plans specifically designed for that purpose.And of course, you can terminate your policy at any time with a phone call, email or hard-copy letter.

Our state-of-the-art quoting process allows you to instantly view and compare prices. We also make the application process easy, and of course, never share your information. To view your quotes, we have provided boxes at the top of this page that will simply and streamline the process.

Mega Life And Health Insurance Company Now A HealthMarkets Company

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Mega Life and Health Insurance Company has hundreds of Ohio policyholders. Many of their customers have purchased  coverage through membership in the National Association for the Self- Employed (NASE). They also sell supplemental products to individuals and the self-employed and have been offering policies for more than 20 years.

Is Mega Life deceptive and do they use unfair practices to promote their policies? Well…in Massachusetts, apparently they do. As a result of the state’s legal action, Mega Life has agreed to pay more than $17 million in penalties, other costs and consumer relief. And more importantly, while Mega Life can still conduct business here in Ohio, they are no longer permitted to sell health plans in Massachusetts for five years. And eventually, they must pull completely out of the market.

In addition to Mega Life’s problems in Massachusetts, in May, A.M. Best Company downgraded the credit rating of HealthMarkets Inc., the parent company of Mega Life. The rating downgrade primarily reflected a continued decline in revenue premium and increased financial leverage. Lower agent sales, the US economic condition and competitor pressure hurt premium revenue in 2008.

Ofcourse, that was more than five years ago. Their current supplemental coverage focuses more on specific needs and illnesses, such as cancer, specific accidents, disability expenses and vision coverage. There are still complaints, along with satisfied customers. Ultimately, the final verdict is decided by those persons that purchase their products. Customers that need critical illness benefits have been reasonably happy with the policies they have purchased.

Mega Life Coverage In Ohio

Mega Life Offers Coverage In Ohio


HealthMarkets is a privately-owned entity that offers plans to both consumers under and over the age of 65 along with small-business owners. Some of the companies they own include Mid-West National Life Insurance Company of Tennessee, Chesapeake Life, MEGA Life and Health, and Insphere, which markets products to consumers.

One of their latest  partnerships was with Readers Digest in which a Medicare RX Drug Plan (also known as Part B) will be offered with effective dates starting in 2013. Advertising and marketing will be done online and through the hard copy version of the magazine.

Mega Life often targets small business owners and the self employed in Ohio. Many of their products are packaged with association memberships in the National Association for the Self-Employed. Some of Mega Life’s problems in Massachusetts were because they apparently did not cover certain medical procedures that were specifically required to be included in their health insurance policies.

Our obligation is to ensure that  clients are made aware of the most recent and informative information regarding plans that are sold to consumers in this state. We do not market or sell their products since we feel there are better options from other major carriers such as Anthem, UnitedHealthOne and Medical Mutual. When you view rates on our website, you can easily compare the best policies and quickly apply for coverage.

High Deducible Ohio Health Insurance Plans – View And Compare HSAs

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High deductible Ohio health insurance plans are growing in popularity. And why not? The rate is affordable (often half the cost of a typical policy), preventative coverage is provided at 100%, and there is NO out-of-pocket expenses after the deductible has been met on 0% coinsurance plans. Qualified expenses can be tax-deducted, and you don’t have to “use it or lose it.” So, what are you waiting for?

What is a High Deducible” Plan?

A “High Deductible” health insurance plan is a policy with substantially lower premiums that has a higher deductible for major items, such as hospital stays, inpatient or outpatient surgeries and emergency-room expenses. Routine physicals, mammograms and OB/GYN visits are typically covered at 100%. And prescriptions are usually discounted without having to meet the deductible. An individual or family with very few medical expenses will often benefit by having this type of coverage. Several carriers offer these types of plans, and the network of physicians, specialists, and hospitals is the same that is used for conventional comprehensive plans.

If you only need coverage for less than one year, an alternative contract may be the ideal choice to purchase. You can easily apply online, pay monthly, and cancel at any time. Of course, if you need benefits for a longer period of time, you can simply maintain your existing coverage, or select a different plan through Open Enrollment.

Cheap High Deductible Medical PlansIn Ohio

Save Money With Catastrophic Health Insurance In Ohio

Can an HSA be used with the HDHP contract?

Yes. HDHP plans allow you to set up an Ohio HSA (Health Savings Account) which can be used to accumulate tax-free dollars to pay for qualified medical expenses. Your funds can also be used to pay for qualified dental and vision expenses, although those expenses will not apply towards your deductible. By contributing money into your HSA, you’ll be well-prepared to pay for the occasional hospital stay or other major unexpected medical bill.

Most expenses that you have to pay out-of-pocket, (because the deductible has not been met) will continue to receive negotiated reductions. Depending on the amount, the savings can range from hundreds of dollars (MRI) to thousands of dollars (in-hospital confinement).

What Ohio Companies offer these Plans?

Many major companies offer a wide selection of low-priced plans. However, since Aetna, UnitedHealthcare, Anthem, InHealth, Premier, and HealthSpan have exited the private marketplace, options have become limited. Medical Mutual generally offers very attractively-priced HSA plans, but they don’t service the entire Buckeye State.

Group policies through employers offer more options to employees. Often, an HSA option is offered, along with PPO and/or HSA plans. Depending upon the employer, a contribution maybe made on behalf of the employee at the beginning of the calendar year, or during Open Enrollment. Common contribution amounts are between $500 and $2,000.

Low Cost Life Insurance – Compare Cheap Guaranteed Level Term Plans

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Affordable term life insurance plans are available with guaranteed rates. Large and small amounts of coverage can be purchased at historically-low rates. Most policies do not require a  physical, and plans can often include spouse and dependent coverage.

Our sister site, Ohioterminsurance.com offers the lowest prices available in the US. We research all of the major “A” rated  companies and allow you to instantly view and compare multiple plans. This type of policy is often utilized when you need a high amount of coverage, and keeping premiums low is a priority. Business and “Key-Person” options are typically offered, and the customer can terminate the policy at any time without paying a penalty.

Converting Your Policy To A Permanent Plan

Cheap Ohio Life Insurance Rates

Instant Online Term Life Quotes

Many companies allow you to “convert” to a different form of coverage without having to answer medical questions. Although converting may lower your long-term costs, it may not be the correct solution for you. We’ll help you determine if a conversion is best for you and the carrier that provides the best contract for your unique situation.

Since a permanent  policy (whole life, variable life, and universal life) will accumulate cash value, your premium can easily double or triple, with little flexibility the first few years. Also, although some of the cash value may be guaranteed (whole life policy), interest rates and investment rates of return can fluctuate, and dividends (if a participating policy) are not guaranteed.

The most popular length of term life coverage is between 15 and 25 years. This allows ample time for substantially paying off a mortgage, or raising children. And because term coverage is quite inexpensive, more of your income can be used for retirement purposes, such as 401(k) programs, Roth IRAs and other tax-deferred investments. “Investing the difference” makes good financial sense as long as you follow through with setting a specific amount aside each month (or year).

10-year plans are also offered at a reduced rate, and work best if your children are over the age of 12, or perhaps 14. Thus, when your policy expires, your children (hopefully!) are self-sustaining and are no longer dependent on you. Of course, with an uncertain economy, it is hard to accurately predict these types of things.

Although there are many types of available contracts, “Guaranteed level”  insures that both the premium and face amount of life insurance do not decrease. Generally, this type of policy includes a renewal option which allows coverage to continue at a maximum guaranteed rate. However, the renewal may not be guaranteed and it is possible that you would have to answer medical questions or pass a physical.

As Ohio’s Trusted website for Ohio medical plans, we have helped thousands of residents with their health care needs. But we also provide affordable life insurance from the top US companies. Feel free to contact us for a no-obligation quote or click here.

Which Plan Do You Have?

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“Which health insurance plan do you have?” That is the question I’m asked about every few weeks. And I certainly understand why clients want to know. After all, I can choose any plan with any Ohio carrier. And there are a lot of great choices here in Ohio. Anthem. UnitedHealthcare (they market Golden Rule plans). Aetna. And don’t forget Medical Mutual, which is a non-profit company.

Well…here’s our situation. I’m 54, my wife is 39 (I thought she’s 51, but she claims she’s 39) and we have two children (both teenagers). Fortunately, we are a very healthy family with no existing conditions or ongoing medications. We live in Springboro, which is located between Dayton and Cincinnati. And most of the carriers offer very competitive rates.

Oh Medical Plans Are Cheap.

Are You Paying Too Much For Your Health Insurance In Ohio?


The perfect fit for us is the Anthem Lumenos Health Savings Account (HSA). An HSA works best when there are not many (or any) office visits or prescriptions and insuring against the catastrophic loss is the most important objective. Preventative coverages (physicals, OBGYN visits, mammograms and pap tests) are not subject to our $6,000 family deductible.

Also, with an Ohio HSA, covered out of pocket expenses that we pay (such as non-preventative office visits) receive a “negotiated discount” since Anthem enjoys exceptional leverage in negotiating fees with Network providers. Lab and X-ray fees receive substantial discounts. For example, if one of us needed an x-ray and the retail charge was $150, our out of pocket cost would be about $25-$40. That’s not too bad!

We also contribute tax-deductible funds into the account that are used to pay for qualified medical, dental and vision expenses. Because we have enjoyed good health, the fund balance in our HSA continues to grow each year. And generally, premiums don’t increases as rapidly as a typical copay plan. In fact, yearly increases the last few years have been very low and I assume that will continue through 2014.

An Anthem HSA is not the best policy for everyone. For us, it is, although Medical Mutual was strongly considered. What about you? Every family and individual situation is different. Your needs and budget will be different. You may only need coverage for a few months. But if you contact us, we’ll work with you and help you find the most affordable options in your area.