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Ohio Anthem Individual Health Insurance Rates

When you are searching for low cost Ohio individual health insurance, Anthem Blue Cross is a company that should always be considered. Our registered website allows you to easily compare affordable private coverage both during an after the Open Enrollment period. It only takes a few moments to view low-cost policies in your area.

Although other carriers we represent, such as  UnitedHealthcare, Aetna, Humana, Kaiser and Medical Mutual are big companies, Anthem is Ohio’s flagship healthcare provider and is part of of Community Insurance Company and parent Wellpoint. The network of providers is the largest of any carrier in the Buckeye state and features the region’s most impressive group of doctors, specialists and inpatient/outpatient facilities.

Several factors are considered when determining rates. Your age will be the biggest determinant of the price you pay. Your zip code (and,or county), household income, and your smoking status are the other relevant factors. The Patent Protection And Affordable Care Act (also called  the “ACA” or “Obamacare”) eliminated medical questions from being asked, and also mandated that pre-existing conditions would be covered.

New Affordable Care Act (ACA)

All plans, since 2014, are no longer underwritten. This means that you can not be surcharged because of an illness you have, or charged a higher premium because you need immediate treatment or surgery. Also, each year, you can change to a different policy if it better fits your current needs. There will be no fees or extra premiums for making the change.

Of course, the rate on your new policy could be higher (or lower) than your existing plan, so it is important to compare both price and out-of-pocket costs. Also, if you have a serious sickness or illness, and are being treated with a name-brand prescription, reviewing the RX copay should be one of your first tasks.

Current Prices

Premiums will vary, depending on the factors mentioned above. So, we provided some sample individual and family situations below, so you can view an accurate estimate of monthly rates:

Situation One  – Single person age 25. Annual income of $25,000. Lives in Columbus area.

$145 – Bronze DirectAccess cabu

$149 – Bronze DirectAccess caas

$165 – Bronze DirectAccess caaz

$194 – Silver DirectAccess cbwl

Situation Two  – Single person age 35. Annual income of $45,000. Lives in Cincinnati area.

$224 – Bronze DirectAccess cabu

$235 – Bronze DirectAccess cabt

$248 – Bronze DirectAccess caaz

$281 – Silver DirectAccess cbwl

Situation Three Married couple ages 45 with one child. Annual income of $55,000. Lives in Dayton area.

$360 – Bronze DirectAccess cabu

$388 – Bronze DirectAccess cabt

$427 – Bronze DirectAccess caaz

$522 – Silver DirectAccess cbwl

Situation Four Married couple ages 50 with two children. Annual income of $65,000. Lives in Cleveland area.

$503 – Bronze DirectAccess cabu

$547 – Bronze DirectAccess cabt

$605 – Bronze DirectAccess caaz

$745 – Silver DirectAccess cbwl

We proudly represent Anthem and offer their lowest available rates. Since prices are mandated by the Department Of Insurance, no agent, broker or Agency can offer a lower cost. However, since we represent all major companies and not just one company, we always give you a balanced and unbiased comparison of your best options. Dental, vision and Medicare-Supplement plans are also available.

Anthem BC Ohio Options


In most rate comparisons, the Columbus, Springfield,  Dayton and Cincinnati areas often feature the most competitive rates. Typically, their main competition for HSA and comprehensive plans comes from Medical Mutual, Humana, Healthspan, Kaiser and UnitedHealthcare. These  carriers are worth considering, especially if you live in Hamilton County or any part of Southwestern Ohio.

Anthem, like most Ohio health insurance companies,  offers a direct monthly billing or an electronic withdraw. Policies can be canceled at any time since you are never obligated to keep a policy any longer than needed. However, if you terminate coverage, it’s important to understand what plans are offered during and outside of Open Enrollment.

For example, unless you meet one of several designated “exceptions,” such as divorce, job termination or major change in income, you will have limited options if you miss the Open Enrollment deadlines. Although temporary policies and “limited-benefit” contracts can be purchased, you will forfeit your subsidy-eligibility and also may risk the immediate coverage of your pre-existing conditions.

Also, the non-compliance tax of either $95 per adult or 1% of household income (the higher of the two) will be charged. Usually, this is deducted from any potential tax refund the following year, or must be recognized when filing and submitting the tax return to the IRS.

Ohio Medicare Supplement (Medigap) Plans

There are three types of Senior options available. They are Advantage, Supplemental and Part “D” (Prescription) plans. An annual Open Enrollment takes place, which is unrelated to the Affordable Care Act Open Enrollment.

Advantage plans are the cheapest, since they are a policy with a Medicare contract. Often, premiums are $20 per month (or less). The  “Senior Advantage Basic” is a very popular HMO policy in the Buckeye state. Blue Medicare Access Classic is another low-cost PPO plan.

Medigap contracts are designed to pay for benefits that are not fully covered, such as copays, coinsurance and deductibles. Physicians and hospitals that are approved by Medicare can be utilized.  Plans N,A and F are the least expensive MedSup policies that Anthem offers in Ohio. Plan N covers skilled nursing coinsurance.

Part D coverage is offered through the Blue Medicare RX Standard PDP plan. Premiums are fairly low ($20-$40 per month for most persons) for this stand-alone product. There are six tiers of drug coverage, ranging from cheap preferred generic prescriptions to the most expensive specialty tier drugs. The “Plus” plan offers richer benefits at a higher rate.

Anthem Blue Cross and Blue Shield health insurance rates in Ohio are still a bargain for individuals, families and businesses.  You can view direct quotes here  or contact us by phone or email. We will carefully review all available policies, and match the plan that maximizes your subsidy, and offers the coverage you need at the lowest cost.

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11 Responses

  1. Dave says:

    As a Newbie, I am always searching online for articles that can help me. Thank you

  2. Mike says:

    Hey, great post, very well written.

  3. Derik Tutt says:

    I actually wonder what is on my MIB report. Thanks for sharing the info with us.

  4. Chet says:

    I searched for something completely different, but found your website! And have to say thanks. Nice read. Will come back.

  5. LP says:

    Nice information, many thanks to the author.

  6. best western says:

    Thank you for the tips. I like the Smartshare plan since that”s all the coverage I need right now.

  7. The Bus says:

    Very informative post. Thanks for taking the time to share your view with us. Anthem rates on your website are very good,especially the HSAs.

  8. Mag says:

    Going with Anthem”s SmartSense plan. I do have a question on the RX coverage. Call me when you get a chance. I left a message on your voicemail.

  9. GW says:

    BC is who I will apply with. I had them with my last job in Toledo.

  10. Art Moder says:

    Love the Anthem rates on your website!

  11. Nadine Dowell says:

    Thank you for all of your help. My Anthem policy was approved in less than a week. And yes, your advice was unbiased. That’s what I liked.