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.
For example, cheap high-deductible catastrophic coverage for a healthy 40-year old husband and wife in the Cincinnati area would cost approximately $130-$170 per month. UnitedHealthcare offers the most competitive rates. Comprehensive coverage would cost approximately $230-$440 per month. Medical Mutual and Anthem, along with a few other carriers offer very attractive options. Rates in Northern Ohio, for similar coverage, would be approximately 10%-15% higher.
If sticking to a tight budget is a major priority, then perhaps a temporary or HSA policy should be considered. There are dozens of these plans that will be easy on your pocketbook, offering rates from $80-$200 per month (total cost for two persons). And by taking advantage of local Network providers, you’ll further reduce your costs. This link provides additional HSA information.
Many factors can affect rates, such as medical records, smoking status and height/weight. If prior credible coverage has been in effect for more than 12- 18 months, some health insurance companies will cover pre-existing conditions, if accepted by underwriting. Most of the major companies that offer competitive rates in the Cincinnati area, also offer similar rates in surrounding counties, such as Warren, Butler, Clermont and Montgomery.
Perhaps one the most overlooked factors that is used in determining your rate is your zip code. For example, the 452 zip code features extremely attractive rates from Medical Mutual, especially their Health Savings Accounts. Oddly, in the 451 zip code, UnitedHealthcare’s rates become quite high compared to their normal rates in the surrounding area. Part of our service is to make sure you know which carriers are the best choice for your needs.
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.