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Central Ohio Individual Medical Health Insurance Plans

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Central Ohio individual healthcare insurance plans are very affordable. Rates in the Columbus area and a 50-mile radius around Columbus are often the lowest premiums available in the Buckeye State. Maybe there’s something in the water! A typical visit to the Ohio State University Hospital emergency room will not cost as much as a similar visit in either Cleveland or Cincinnati. Regardless if you need small business group coverage for employees, or a low-cost plan for your family, we can help.

Affordable benefits are available whether you are married, unmarried, a family, self employed, unemployed, without coverage or on Cobra. Many Central Ohio counties feature extremely competitive rates compared to other parts of the state. Comprehensive, catastrophic and Health Savings Account (HSA) plans are instantly available by clicking on the “Get Instant Quote” section at the top of the page. You can  compare or apply online for individual medical health insurance coverage from the top companies. And we’ll work closely with you to help select the plans that best fit within your budget but provide the benefits that you need.

Counties In The Area

Some of Central Ohio’s counties include Franklin, Madison, Union, Delaware, Licking, Fairfield, Pickaway, Morrow and Knox. UnitedHealthcare’s rates are especially competitive in most of those counties. Their “Copay Plus” and “Copay Saver” plans are comprehensive policies that feature office visits, prescriptions, preventive benefits and major medical coverage. Many additional riders are available including dental and vision. Medical Mutual “Wellness” plans are also very economical options in this part of the state. Aetna and Humana have a few plans that are budget-friendly, especially for single persons.

Although individual HMOs are not available, there are many “low deductible” policies that drastically reduce your portion of a large medical bill. However, these types of policies are much more expensive and may actually cost you quite a bit of extra money in premiums over many years. PPO policies are offered by all of the reputable insurers, and because of the demographics of this part of the state, plenty of  “in-network” facilities are within driving distance.

HSA Options

Ohio Health Savings Policies (HSAs) are a popular option for the self employed or any individual or family. HSAs are an affordable alternative to traditional Central Ohio individual medical insurance plans. It’s a savings account that allows you to pay for current qualified health, dental and vision expenses and save for future expenses while receiving tax benefits. Premiums are typically hundreds of dollars per month less than a low-deductible comprehensive plan. You can also choose the financial institution that administers the savings portion, and randomly make deposits into the account.

For example, a family of four in Franklin County (Male 40 Female 40 and two children) would pay only $196 per month ($5,000 Deductible) or $271 per month ($3,000 Deductible) for an Anthem Blue Cross HSA. Medical Mutual also offers competitive Ohio HSA rates. We do NOT offer coverage through Mega Life or Cinergy Health,  and we’ll be happy to discuss our reasons if you call us.

Whether you need catastrophic, comprehensive or temporary short-term coverage, if you live in Central Ohio,  or any other part of the state, we’ll help you find the right plan at the best available price. Feel free to view an “Instant Quote” online, call us or email us.