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Rising Health Insurance Premiums In Ohio Hurting Families

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Rising health insurance premiums in Ohio are a concern for most consumers that pay for their own medical coverage. As higher rates are starting to take their toll, many residents of the state are looking for options that will reduce prices, while maintaining existing benefits. But, affordable policies are available, and specific steps can be taken to reduce costs. Many of these recommendations  can be implemented immediately.

We help you find and compare many low-cost plans that are rich in coverage, and may substantially reduce the amount you pay. If you don’t currently have  insurance, some of these plans are great “starter” policies that will keep your premiums low.  Increasing prices will continue, but here are a few steps you can take now:

  • If you have been with the same  insurance company for more than two years and you have no significant medical issues, it may be time to compare quotes from different companies. Remember…the quotes are always free and you do not have to accept an offer that is made to you. However, with annual Open Enrollments, you can shop, compare (and change) policies every year, if it’s cost-effective. Note: When terminating coverage and signing up with a different carrier, always verify your providers are “in-network.”
  • Raise your major medical deductible. For example, by raising your deductible from $500 to $2,500, you could save $1,000 for an individual policy and more than $2,000 for a family policy. Assuming you don’t have many catastrophic claims, the total savings on your plan could be substantial. And over many years, the savings will be greater. If you remain in reasonably good health, the savings will continue each year.
  • Consider an Ohio HSA (More Information Here). Premiums are 25%-50% less than traditional plans, and preventive benefits are not subject to a deductible. Naturally, there are many other factors to consider, and we’ll be happy to review your options. HSAs are a very popular form of affordable family health insurance. Your state and federal taxes will potentially reduce when you make contributions, although funds must be spent on qualified medical, vision, or dental expenses. Drugs must be prescribed and not over-the-counter.
  • If your health has improved or you have stopped smoking since you purchased your policy, inquire about “changing your rate class.” It’s possible you may be able to reduce your  premium. It might be only a few dollars but perhaps more. And you will not be putting existing coverage in jeopardy by making this request.
  • Medical insurance for self employed persons can be very expensive. If you are the only insureds on a group plan, Ohio individual health insurance rates may be more affordable. However, individual plans may offer less coverage than your current group policy, especially if you need maternity or mental illness benefits.

More innovative options may have to be created in the upcoming years to compensate for some of the changes due to government legislation. Although tax incentives and credits may help low-income earners (and we applaud that), individuals and families in higher tax brackets (not the highest) will be facing some challenging financial decisions. We’ll be here to help find solutions.

Increasing health insurance costs in Ohio are one of our biggest concerns. We believe it’s important to carefully review all of your options and recommend specific plans that will allow you to stay within your budget. The plans are there, and our priority is to help you find them, explain to you the benefits and costs, and apply in the easiest way so you can obtain the policy.

Are There Any Good Healthcare Plans In Ohio? How Much Do They Cost?

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The Buckeye State offers many medical insurance plans that are budget-friendly, and accepted by most Ohio physicians, specialists, and hospitals. Group, private, Senior, student, and short-term coverage is available in all parts of the state. However, the number of available companies has been reducing for persons under age 65 that are not eligible for Medicaid or early Medicare. Anthem BCBS, Aetna, Humana, Premier, and UnitedHealthcare will not offer ACA-compliant coverage in 2018.

Your health insurance quote is just seconds away! Instantly, you will be able to see prices from all carriers and the plans they offer. And don’t worry. We don’t need your phone number.  We only consider high-quality health insurers, and we also filter out several companies that are not rated “A” by A.M. Best Company or have had consumer complaint issues.

Lowest Available Rates

Our quoted rates are the lowest you’ll find from any licensed broker or authorized website. We’re located just North of Cincinnati and will help you find affordable medical plans at prices that simply can’t be beat. Like most states, premiums are regulated by the Department Of Insurance. We utilize “direct” pricing and update prices and benefit changes daily. Typically, there are no “enrollment” or “application” fees for qualified plans. However, “short-term” plans often charge a one-time fee of approximately $15-$25.

Ohio Health Insurance Online Quote


Dozens of out-of-state websites can be found online. But many of these sites recommend outdated and unpopular plans that often are not the best option. And these websites may not be able to accurately explain the differences between Ohio plans that appear similar, but are actually quite different. With more than 35 years of insurance experience, we’ll locate the policies that help you the most, but cost the least.

When we prepare your report, all of the different types of plans will be presented to you. Comprehensive plans. Catastrophic plans. And Health Savings Accounts (HSAs). Also…your quote is always personalized to insure you’re getting the coverage you need. For example, if there are small children in the household, immunizations and well-checkups will be emphasized, although all qualified plans provide 100% coverage for preventive benefits.

Senior Medigap Options For Applicants That Have Reached Age 65

Medicare Supplement contracts are standardized, which means that, benefits for the same types of policies (A, B, C, etc…) can not vary from one carrier to another. For example, all plans (A, B, C, D, F, G, K, L, M, and N) cover Part A coinsurance and hospital expenses for 365 days after Medicare benefits end. Plans C and F cover the Part D Deductible. And Plans F and G cover Part B excess charges.

This standardization helps consumers compare plans, since prices, and not benefits, are the main differences. Medicare Advantage plans, and Part D prescription drug plans, however, are not standardized, so properly comparing features is more challenging. Also, not all Advantage contracts include prescription benefits.

Less-Expensive Under-65 Major Medical Plans

If you prefer a major medical policy that features low rates, we’ll pick plans that remove the coverage that you don’t need, and shouldn’t pay for. If you only need benefits for a few months, there are plans specifically designed for that purpose.And of course, you can terminate your policy at any time with a phone call, email or hard-copy letter.

Our state-of-the-art quoting process allows you to instantly view and compare prices. We also make the application process easy, and of course, never share your information. To view your quotes, we have provided boxes at the top of this page that will simply and streamline the process.