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 often included, and there is generally NO out of pocket expense after the deductible has been met.

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 often not subject to the deductible. 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 an Ohio high deductible health insurance plan.

Can an HSA be used with a High Deductible Plan?

Many high deductible 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 health insurance 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.

What Ohio Companies offer High Deductible Plans?

All of the major Ohio health insurance companies offer high deductible plans. However, some plans are more competitively priced than others, and some plans also offer a more comprehensive package of coverages than other plans. Some of the more popular high deductible plans are:

Aetna PPO High Deductible plan

Anthem Lumenos HSA plan

Humana Monogram plan

Medical Mutual Super MedOne Wellness

United HealthCare HSA 100 plan

A high deductible health insurance plan may be an option you should consider. Please feel free to contact us if you would like additional information regarding this type of plan, or any other type of Ohio health insurance plan. To instantly view, compare or apply for coverage from the top companies, please click on the “Get Instant Quote” button at the top of the page. Your personal information is never shared with any other person or company.

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