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Affordable Ohio Family Health Insurance Plans Comparison

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Affordable Ohio family health insurance coverage is available. As the state’s trusted authority for affordable medical insurance coverage, we review hundreds of policies offered on and off the Marketplace.  In less than a minute, you can view the lowest rates offered by UnitedHealthcare, Anthem Blue Cross, Aetna, Medical Mutual, Humana, SummaCare, Ambetter, Molina, and many other companies. If you have a spouse or dependents, they can easily be added to a customized comprehensive plan that covers office visits, ER, Urgent Care, and prescriptions.

Our free online quotes can be viewed at any time, so you can quickly research and evaluate which plans meet your budget needs, and provide the coverage you want. Short term, catastrophic, Comprehensive and HSA plans are included, so you are easily able to determine the most affordable option. Whether you qualify for a large federal subsidy, or prefer non-Obamacare plans, the comparison and enrollment process is simplified through our website.

You never pay a fee on this website, and our 36 years of expert advice will guide you through the application process. If you are Medicaid or Medicare-eligible, you will be offered different options.

Typical Family Plan Benefits

“Affordable Care Act” Legislation allows health insurers to provide preventive benefits to most family plans with no waiting period or deductible. Some of these benefits include mammograms, colonoscopies, immunizations, cancer screenings, well-baby and well-child visits until age 21, routine adult physicals, flu and pneumonia shots, and various routine vaccines.

Typically, Ohio family health insurance policies include copays for most office visits and prescriptions. When a policy has a copay, your out-of-pocket expense is usually limited to $20-$40, depending on the company. Usage of specialists and non-generic drugs may increase the amount of money that you spend. Of course, generic prescriptions will cost substantially less than a non-generic drug. Many generic medications are available for less than $8 at large retail chains such as Walmart, Target and Sams Club.

Budget Comprehensive Plans

Popular medical plans in Ohio are “Budget” plans, which are available from most carriers. These types of plans feature premiums that are generally 20%-40% less than other standard comprehensive plans. But there are some coverage limitations.

For instance, covered office visits typically have higher copays. Instead of the typical $20-$40 out-of-pocket cost (see above), the copay may be as much as $50 or higher. Specialist visits may feature copays of $70-$100, or a the policy deductible may apply. Although the rate will be attractive, these types of options will not be cost-effective if you have conditions or illnesses that require constant specialized treatment.

And while generic prescriptions are routinely covered, the non-generic (brand name) prescription coverage may be not be offered with just a copay. Coinsurance and/or a deductible may be required. Also, out of pocket expenses on major medical claims will tend to be higher with coinsurance sometimes at 30% or more. But the substantial savings is often worth the benefits you are losing.

Rates in Ohio are quite affordable and we’ll help you find the plan that best matches your specific situation. To instantly view, compare or apply for affordable Ohio family health care, please click on the “Get Instant Quote” button at the top of the page. You can also speak to us live.

Ohio Health Insurance For The Uninsured – View Budget-Friendly Plans

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Ohio health insurance for the uninsured is actually very inexpensive. Most of the large companies offer low cost plans that are 30%-60% less expensive than typical group coverage. Physicals are not required for compliant plans, and preventive benefits are included  with no copay or out-of-pocket expenses. And while being uninsured can potentially raise your auto insurance rate, it generally has no major impact on your medical insurance premiums.

However, if you miss Open Enrollment (November 1-January 31) and do not qualify for an SEP (Special Enrollment Period), you may be forced to purchase either a short-term policy, or coverage that does not meet any of the required Affordable Care Act mandates. This will also require you to pay a 2.5% tax penalty on your declared household income.

Affordable Options Are Available

We understand that the reason many Ohioans don’t have medical coverage is because they can’t afford it. We offer several options that will be easy on the pocketbook, but still provide benefits that can be used. The application and enrollment process is easy,  and once the policy is approved, you can pay your premiums monthly. You can choose the type of benefits you need (subject to several limitations), and pick the company that issues the policy.

Many economical plans are offered by Anthem Blue Cross, Ambetter, Medical Mutual, Molina, SummaCare, and Premier. Often, the best choice for those without coverage and on a limited budget, is a “basic” policy. This type of coverage offers limited office visit coverage (2-3 covered physician visits per person per year), limited prescription coverage (may not cover non-generic prescriptions) but includes comprehensive preventive benefits that are not subject to a deductible.

Three popular Ohio health insurance policies for the uninsured are UnitedHealthOne’s “Copay Saver” plan, Celtic’s “Basic PPO” plan, and Anthem’s “SmartSense” plan. All three policies offer coverage for two or three office visits per person per year along with additional prescription and preventive benefits. A deductible applies to major medical claims with deductible options ranging from $500 to $5,000. All three plans may be paid on a monthly basis and the policies can be cancelled at any time. The SmartSense policy does have an optional prescription upgrade.

An Ohio short-term health insurance plan is also an option to consider for any person who is uninsured. Short-term plans are extremely inexpensive and are usually issued within a few days. Policies can be kept for a month or as long as a year. UnitedHealthcare offers the lowest rates in the state with deductible options from $1,00 to $5,000 and multiple benefit options.

This type of coverage is ideal for persons that are graduating students, seasonal employees, laid off, between jobs or waiting for group benefits to begin. Anthem and Medical Mutual’s rates are sometimes “in the ballpark,” but not as low as UHC. Also, the Department of Health offers several options for low-income households.


Any person without coverage may also be eligible for Medicaid, depending on your income, including other household members. There are no Medicaid Open Enrollment deadlines, so you may apply to determine eligibility at any time.

Best Health Insurance Plans In Ohio – Affordable Marketplace Rates

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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.

You can instantly view, compare or apply for coverage at any time. Please click on the “Get Instant Quote” button at the top of the page.

Low Cost Student Health Insurance In Ohio – University Plan Alternatives

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Low cost student health insurance in Ohio is offered by most of the large health insurers. Premiums are extremely inexpensive, and monthly billing is offered with an option to cancel coverage at any time. Anthem Blue Cross, SummaCare, Medical Mutual, Molina, Premier, and Ambetter feature affordable plans that include comprehensive office visit, prescription and major medical benefits. The policies are very reliable and provide flexible options to fit special needs.

We research and review all  available plans, so we can show you the policies that provide the coverage you need, but at the lowest possible cost. If you live in Ohio, but attend an out-of-state school, it is important that we choose a carrier that will provide Network coverage in that area, so that you have a wide choice of physicians, specialists and medical facilities. Also, both full-time and part-time students can qualify for coverage. If a policy is needed quickly, you may be able to obtain short-term benefits until the Exchange (or off-Exchange) policy is issued.

Student Health Insurance In Ohio Is A Requirement

Most major Ohio colleges and universities (Ohio State, Dayton, Miami, Kent State, Bowling Green, Xavier, etc…) require full-time students to have medical coverage. In fact, many schools offer student coverage that can be purchased each semester. Sometimes, university medical plans may limit the facilities you can use or the type of care you receive. There also may be a low “lifetime limit” on the allowable medical benefits. Perhaps the biggest concern is that ongoing specialized treatment may be limited when it is critical to utilize specific facilities. However, if you currently have a serious medical condition and are included on a parent’s policy, it would be wise to remain on that contract as long as possible (sometimes to age 26).

International Student Medical Plans Ohio

Does Your Policy Cover Overseas Medical Treatment?

An individual plan (You can find details here) will provide access to off-site physicians and medical facilities. If a specialist is needed, they may be located many miles away from the campus. Most health insurers have large networks that allow you to choose specialized treatment, even if the provider is located hundreds of miles away. In many situations, if needed, you can also utilize facilities in different states. University plans often do not include this feature.

Typically,  rates  are not expensive. For example, a healthy 20-year old male in the Columbus area can purchase a comprehensive policy for approximately $121 per month (Medical Mutual Market HMO 7150). A more comprehensive plan option with lower deductibles and copays, will cost approximately $149 per month (Molina Marketplace Silver Plan). Also, the CareSource Low Premium Silver policy features unlimited primary care physician (ppc) office visits with no copay or out-of-pocket expenses. The monthly cost is $141.

What Happens If You Study Abroad?

Spending a semester (or longer) overseas is becoming much more popular for college students. Although fees and tuition costs are often quite reasonable, securing quality healthcare coverage can sometimes be a greater challenge. It’s possible that your traditional private medical plan will extend limited benefits for expenses incurred in foreign countries, especially if there is a medical emergency.

A valuable resource for finding the best policy for your travel needs is the US State Department and the Bureau of Consulate Affairs.  The US Passports and International Page provides a list of insurance providers for overseas coverage. Information regarding medical evacuation services, lost baggage, cancelled flights, and medical escort services is also provided.


To view your low cost student health insurance options, simply click on the “Get Instant Quote” button at the top of the page. You’ll be able to easily, compare or apply for quality coverage from the top healthcare providers. Rates and benefits will vary, depending where your University is located, and sometimes, your home state of residence.