There are many low cost Ohio health insurance plans that have premiums 15%-40% lower than the typical standard plan. Coverages are often quite rich and the underwriting criteria is identical to all other plans.

Generally, the major differences between the most expensive plans and the “low cost” plans are the out of pocket expenses on major claims and the number of allowed office visits per year. Also, non-generic prescriptions may be limited or not covered under the low cost plans.

For example, the current monthly rate for a 40-year old male in Warren County is between $90 and $120 per month. Unlimited office visits and comprehensive prescription coverage is common on these types of policies.

But if price is the top priority, here are five low-cost Ohio health insurance options:

$50  Aetna’s  Preventative and Hospital Care plan. Limited office visit coverage with good preventative features

$60  Aetna’s PPO Value 5000 plan. Limited office visit coverage with some prescription coverage included.

$68  Anthem’s  Blue Access Value plan. Limited office visit coverage with some prescription coverage included.

$69  UnitedHealthCare’s Copay Select plan. Unlimited office visit coverage with comprehensive prescription coverage. $7500 deductible on major items.

$78  Aetna’s PPO 5000 plan. Unlimited office visit coverage with comprehensive prescription coverage.

All of these options are low cost Ohio health insurance plans issued by major reputable companies. There are never any application or enrollment fees and physicals are rarely required.

To instantly view and compare different plans, please click on the “Get Instant Quote” button at the top of the page.

When you think of Ohio health insurance, Anthem Blue Cross is probably the first health insurance company that comes up. Granted, UnitedHealthcare, Aetna and Medical Mutual are big companies, but Anthem is Ohio’s flagship health insurance provider.

Like most companies, Anthem considers many factors when determining rates. Some of the factors include height/weight, current medications, medical history, smoking status, and of course, your age. County of residence and/or zip code will also affect the rate.

In most cases, Anthem’s rates tend to be their highest in the Northern portion of the state. The Columbus, Springfield,  Dayton and Cincinnati areas often feature Anthem’s most competitive rates.

Occasionally, Anthem, like most Ohio health insurance companies, will check your medical history with the Medical Information Bureau (MIB). The MIB is a membership corporation owned by member life insurance companies in the United States and Canada. It maintains a database for members to exchange confidential information of underwriting significance.

You are entitled to request a free copy of your report once per year. Simply call the MIB at  (866) 692-6901 .

To view, compare, and apply for high quality Ohio health insurance plans, please click on the “get Instant Quote” button at the top of the page. Your information remains secure and is never given or sold to any other broker or company.

Columbus Ohio health insurance plans are available from all of Ohio’s major health insurers. And Columbus rates are among the lowest rates in Ohio, especially compared to the Northern portion of the state.

Most Ohio health insurance companies base their rates on many factors. Of course, the applicant’s health is the most important factor. But in addition, to health and age, the zip code can weigh heavily in ultimately determining the rate.

Most of Columbus is located in Franklin County, which is generally one of the lowest-cost counties in Ohio for health insurance. Even the surrounding counties, such as Delaware, Union, Madison and Licking, all have very favorable rates. Reasons for these low rates generally include lower hospital charges, lower doctor’s visit charges, and in some cases, lower malpractice premiums for medical professionals.

Ohio Health Insurance Quotes

As an example, comparing rates for a typical comprehensive health insurance plan for a 45-year old husband and wife, we find the following monthly rates:

Franklin County

$263-UnitedHealthCare

$293-Aetna

$328-Medical Mutual

$363-Anthem

Warren County

$293-Aetna

$295-UnitedHealthCare

$346-Medical Mutual

$364-Anthem

Hamilton County

$293-Aetna

$328-UnitedHealthCare

$346-Medical Mutual

$364-Anthem

Cuyahoga County

$328-UnitedHealthCare

$353-Aetna

$378-Medical Mutual

$423-Anthem

The four plans considered in this comparison were UnitedHealthCare’s “Copay Select”, Aetna’s “PPO 2500”, Medical Mutual’s “Super MedOne Standard” and Anthem’s “Blue Access Plan 2.” Coverages vary between policies and Network negotiated pricing and doctor/hospital networks are different. Also…Anthem’s individual health insurance policy has higher prescription coverage than the other three mentioned carriers.

To instantly view, compare or apply for high quality plans, please click on the “Get Instant Quote” button at the top of the page.