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, UnitedHealthCare, Humana and Aetna.

But in many cases, the quote may not be accurate, especially if the site is using a “quote engine.” Traditionally, these “quote engines” are programmed to quote the lowest available rate (the “preferred” rate) despite the fact that the applicant will not qualify for these rates. Thus, someone with a combination of cancer, diabetes and heart disease will be quoted a rate equal to that of someone in perfect health. Quite inaccurate!

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, visit http://www.ohioquotes.com