In my 29 years as a health insurance broker, I have viewed, and subsequently recommended many health insurance plans. Each situation is different and, obviously, affordability issues play a big part in the decision-making process.

However, there are many available health insurance plans that are quite affordable, compared to other options. For this example, I am basing the rates on a healthy nonsmoking 35-year old male living in the Columbus area. Premiums provided are monthly…

$42  Aetna Preventive and Hospital Care 3000 ($3000 Ded.)

$47  Anthem Blue Access Value ($5000 Ded.)

$52  Anthem Lumenos HSA ($5000 Ded.)

$55  Anthem Blue Access Value ($3000 Ded.)

$63  Anthem Blue Access Value ($2000 Ded.)

$65  Aetna PPO 5000 ($5000 Ded.)

$77 Medical Mutual Standard 2500 ($2500 Ded.)

All of these policies offer some level of office visit coverage without having to meet a deducible. Naturally, pre-existing conditions may increase the rate.

To instantly view your current Ohio health insurance rates, please click on the “Get Instant Quote” button at the top of the page.

UPDATE October 2011. I deleted an Aetna and Anthem plan since they are no longer offered. Also…under national health care reform, preventive benefits are now covered at 100% on most plans. And of course, the rates that you see in this blog post are a few years old so rates have increased. Not too much, though. You can still click on the “Get Instant Quote” button and you”ll view current rates and plans.

If you live in Ohio, there are hundreds of websites that will give you a health insurance quote. And most will include the major companies in their searches, such as Anthem Blue Cross, UnitedHealthCare, Humana, Medical Mutual and Aetna. We represent the major companies and strive to provide you with accurate Ohio health insurance quotes. And since we”re located in Ohio, we”re familiar with what carriers will offer the most affordable coverage in specific areas of the state.

Many other websites are strictly designed to sell your information to other companies and brokers across the country. So instead of getting an instant quote, you get dozens of unwanted emails and phone calls. We will never do that.

So…be careful, and here are a few tips:

• Always deal with a local Ohio broker – out-of-state agents may not know the details of Ohio plans and could very well recommend the wrong plan. Also, they may not be aware of recent changes in Ohio rates or underwriting.
• Do NOT give anyone your billing information over the phone until you have had a chance to review the plan on your own. If you can”t see the plan in writing, then stay away from the offer.
• Do not feel pressured. If any agent is making you feel uncomfortable or asks you for information you would rather not divulge, then seek the help of someone else.
• Ask how many years the Ohio broker has in been in the business. If the number is less than 10, move on.
• Don”t buy directly from the company. You”ll get the exact same rate from a broker, but without the bias.

For your free Ohio health insurance quote, please click on the “Get Instant Quote” button at the top of the page.