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Best Healthcare In Hamilton County, Ohio – Affordable Cincinnati Plans

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Low cost individual Hamilton County (Ohio) health insurance plans can be viewed and purchased online. We help you find the most competitive rates for the most popular policies. Many single and family policies offered by the major Cincinnati area insurers, such as Ambetter (Buckeye Health Plan), Anthem Blue Cross Blue Shield, CareSource, Humana, Medical Mutual, and Molina. Typically, southwestern Ohio prices are among the lowest available in the Buckeye State.

Additional companies provide coverage for Medicare-eligible Seniors. Medicare Supplement, Advantage, and Part D drug prescription plans are offered by many companies that don’t participate in the Under-65 Marketplace. Several of the larger carriers include AARP (UnitedHealthcare), Aetna, MediGold, Gateway, Cigna, Mutual Of Omaha, USAA, United American, and Gerber.


When purchasing Ohio health care coverage , it is extremely important to work with an experienced broker located in the area. Many online websites are not familiar with Cincinnati  plans because they are not located in Ohio. Also, it is likely that many of the out-of-state websites will request financial information (we do not). And unless you enjoy irritating phone calls and emails, it may not be a pleasant experience. We are located just North of Kings Island, so we closely watch and monitor rates and specific details that may be changing.

Cincinnati Health Insurance Plans

Area counties  that feature very competitive rates include Hamilton (of course), Warren, Clermont, Clinton, Highland, Brown, Butler, and Adams. Although Montgomery, Miami, Preble, and Greene counties are located closer to the Dayton area, they also feature very attractive prices. Typically, insurers utilize the same network for both metropolitan areas. Northern Kentucky residents much purchase plans approved by their state’s Department of Insurance.


Cincinnati individual policies are quite affordable when compared with other parts of the state. Molina and CareSource offer comprehensive plans that are usually very competitively priced, if you feel office visit and prescriptions coverages are important to have. Ambetter’s Balanced Care 2 and Balanced Care 1 individual plans offer comprehensive coverage at extremely attractive rates. But in Hamilton County, Medical Mutual must always be considered. Their HSA and high-deductible options are often the least expensive plans when considering “name” carriers.


Prices substantially reduce when you consider plans that limit the number of covered office visits, and/or place deductibles on specialist visits and non-generic prescriptions. Although out-of-pocket costs are higher, the lower premium helps offset some of the extra expenses. Several available plans are: Molina Marketplace Bronze, CareSource Federal Simple Choice Bronze, MedMutual HMO 7150, Anthem Bronze Pathway X HMO 7150, and Anthem Bronze Pathway X HMO 5000.


Low cost individual Health Savings Accounts (HSAs) have also grown in popularity in recent years. An HSA provides the opportunity to tax-deduct a portion of your medical expenses, and also provide 100% coverage after a deductible has been met. If all deposits are not used when you reach age 65 and are eligible for Medicare, funds can be utilized for other qualified expenses. Several available HSAs include MedMutual Market HMO 6400 HSA, MedMutual Market HMO 4000 HSA, and Anthem  Bronze Pathway X HMO 0 For HSA.


Private individual  health insurance is available in Hamilton County and most parts of the state. We provides unbiased advice and information for consumers. The quotes you view on our website are free and our responsibility is to find the policies that best meet your specific needs. We take our job seriously and have more than 37 years of experience in the Cincinnati market.

Cincinnati Medical Plans – Affordable Queen City Healthcare Coverage

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Health insurance costs for Hamilton County and Cincinnati residents continue to remain low. While many other areas of the country have experienced sharp rate increases, prices in Hamilton County and the surrounding areas have remained very affordable. Private medical coverage is easy to apply for, and both single and family policies are available. Along with private policy options, large employers in the area (General Electric, Proctor And Gamble, Kroger, and the University of Cincinnati).

We specialize in finding the most reliable medical plans at the absolute lowest available cost. We work directly with all of the top-rated companies so you can be assured of always comparing the top plans for the type of benefits you need. Regardless if you reside in Hamilton County, or nearby Clermont, Warren, or Butler County, several low-cost options are typically available. The  Southwestern portion of the state also features large provider networks.

Low-Cost Cincinnati Health Plans

For example, cheap high-deductible catastrophic coverage for a healthy 40-year old husband and wife in the Cincinnati area costs approximately $150-$200 per month. Molina, Medical Mutual, and Ambetter offer the most competitive rates. Comprehensive coverage costs approximately $230-$490 per month. CareSource also offers private individual coverage. Rates in Northern Ohio, for similar coverage, are approximately 15%-20% higher. Note: Rates are based on a household income of $35,000. Higher or lower incomes will impact the amount of federal subsidy.

Ohio Medical Coverage

Pay Less For Your Cincinnati Health Insurance Plan

If minimizing the rate, and tax-deducting medical expenses is a major priority, then an HSA policy should be considered. There are several plans that will be easy on your pocketbook, offering rates that are typically less expensive than most Silver-tier options. And by taking advantage of local Network providers, you’ll further reduce your costs. This link provides additional HSA information.

Several factors can affect rates, such as your age, county of residence, and smoking status. The type of plan you choose will also impact the price. For example, a low-deductible plan with maximum out-of-pocket expenses less than $3,000 will cost much more than a higher-deductible plan with maximum out-of-pocket expenses higher than $7,000.

Perhaps one the most overlooked factors that is used in determining your rate is your zip code. In the past, the 452 zip code featured extremely attractive rates from Medical Mutual, especially their Health Savings Accounts. Oddly, in the 451 zip code, UnitedHealthcare’s rates became quite high compared to their normal rates in the surrounding area. Part of our service is to ensure you know which carriers are the best choice for your needs.

Senior Medigap Options

Medicare Supplement, Advantage, and Part D prescription drug plans are available. Carriers offering Senior products in SW Ohio include Aetna, Anthem, Buckeye, Caresource, Coventry, Gateway, Health Alliance, Humana, Medical Mutual, MediGold, MeridianCare, Molina, Paramount, Premier, Prime Time Health, RiverLink, SummaCare, The Health Plan, and UnitedHealthcare.

We’re located just North of Kings Island and monitor local prices very closely. With more than three decades of experience (my, time flies!) we are the region’s premier expert authority on identifying policies that meet your quality standards and also are easy on your pocketbook. You can call us for a quote or use the “Quote” section in the top part of the page. Don’t worry. Your information is secure and is not shared like many other websites.