Which Ohio company offers the best health insurance coverage for the lowest cost? Buckeye State rates are still fairly low for individuals and families compared to most other states. We help you find quality healthcare benefits from major carriers such as Medical Mutual, Anthem Blue Cross, Humana, Aetna, UnitedHealthcare, SummaCare, Ambetter, Molina, and other licensed companies.
By utilizing our tools, free advice, and live ratings, reviews, and policy costs, you can quickly an easily find the plans that are the ideal choice for your medical and prescription needs. If you are shopping Ohio Marketplace coverage during Open Enrollment, we determine the amount of your federal subsidy, and show you the specific options that should be strongly considered.
HSA (Health Savings Account) Plans Offer Low-Cost Options
Often, the top-rated option in Ohio is not necessarily the most expensive policy. For example, a Health Savings Account (HSA) will pay for 100% of medical expenses after the deductible has been met. Preventive coverages are not subject to a deductible and “Negotiated Repriced Discounts” can substantially reduce out-of-pocket costs (especially lab tests and X-Rays). Each year, more individuals and families switch their existing coverage to an HSA.
Ohio HSA premiums are typically less than comprehensive policy premiums. The difference in cost, which is often thousands of dollars per year, can be deposited into a side account to be used to pay for medical, dental and vision expenses on a tax-free basis. If an individual or a family does not have many office visits or prescriptions, an HSA may be the most economical plan for their situation.
Companies That Offer The Best Rates In Selected Areas
Prices will vary, depending where you live, and which plans are offered. For example, the policy choices offered in Sandusky and Youngstown, are completely different than Springfield or Cincinnati. Also, many carriers are regional, such as SummaCare and Premier, and only offer plans in specific Counties.
Below, we have provided the plans (with their respective company) that are the least expensive option in various Counties. Naturally, because of subsidy-eligibility, health conditions, cost of prescriptions, and other factors, these illustrated policies may not necessarily be your best option.
Athens County
Marketplace Silver (Molina)
Market 6000 HSA (Medical Mutual)
Bronze Pathway X PPO (Anthem)
Bronze Pathway X HSA PPO (Anthem)
Hamilton County
Essential Care 1 (Ambetter)
Essential Care 5 (Ambetter)
Marketplace Silver (Molina)
Market HMO 6000 (Medical Mutual)
Montgomery County
Just4Me Bronze (CareSource)
Health One Bronze 6850 (Premier)
Health One Bronze 6500 (Premier)
Marketplace Bronze (Molina)
Franklin County
Just4Me Bronze (CareSource)
Bronze Pathway X HMO (Anthem)
Just4Me Silver (CareSource)
Marketplace Silver (Molina)
Mahoning County
Marketplace Bronze (Molina)
Just4Me Silver (CareSource)
Bronze Pathway X PPO (Anthem)
Bronze Pathway X PPO HSA (Anthem)
Cuyahoga County
Essential Care 1 (Ambetter)
Just4Me Bronze (CareSource)
Essential Care 5 (Ambetter)
Marketplace Bronze (Molina)
Anthem’s “Silver Pathway PPO 2000” is a highly-rated plan with included office visit and prescription options. Coinsurance is 20% with a moderately-low $2,000 deductible. Anthem also offers one of the largest provider networks in the state. Once again, you can keep the same top-end benefits, but by increasing the coinsurance and deductible, you’ll save money.
As earlier mentioned, the best health insurance plan in Ohio may not be the most expensive plan. We’ll happily discuss your options, although we’re used to recommending affordable quality plans…even if they’re not the most expensive! For example, if you only need a “basic” plan with catastrophic and preventive benefits, the most suitable option for you is not that costly.
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