Affordable Ohio Health Insurance Plans

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Best Health Insurance Plans In Ohio – Affordable Marketplace Rates

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Which Ohio company offers the best health insurance coverage for the lowest cost?  Buckeye State rates are still fairly low for individuals and families compared to most other states. We help you find quality healthcare benefits  from major carriers such as Medical Mutual, Anthem Blue Cross, Humana, Aetna, UnitedHealthcare, SummaCare, Ambetter, Molina, and other licensed companies.

By utilizing our tools, free advice, and live ratings, reviews, and policy costs, you can quickly an easily find the plans that are the ideal choice for your medical and prescription needs. If you are shopping Ohio Marketplace coverage during Open Enrollment, we determine the amount of your federal subsidy, and show you the specific options that should be strongly considered.

HSA (Health Savings Account) Plans Offer Low-Cost Options

Often, the top-rated option in Ohio is not necessarily the most expensive policy. For example, a Health Savings Account (HSA) will pay for 100% of medical expenses after the deductible has been met. Preventive coverages are not subject to a deductible and “Negotiated Repriced Discounts” can substantially reduce out-of-pocket costs (especially lab tests and X-Rays). Each year, more individuals and families switch their existing coverage to an HSA.

Ohio HSA premiums are typically less than comprehensive policy premiums. The difference in cost, which is often thousands of dollars per year, can be deposited into a side account to be used to pay for medical, dental and vision expenses on a tax-free basis. If an individual or a family does not have many office visits or prescriptions, an HSA may be the most economical plan for their situation.

Companies That Offer The Best Rates In Selected Areas

Prices will vary, depending where you live, and which plans are offered. For example, the policy choices offered in Sandusky and Youngstown, are completely different than Springfield or Cincinnati. Also, many carriers are regional, such as SummaCare and Premier, and only offer plans in specific Counties.

Below, we have provided the plans (with their respective company) that are the least expensive option in various Counties. Naturally, because of subsidy-eligibility, health conditions, cost of prescriptions,  and other factors, these illustrated policies may not necessarily be your best option.

 

Athens County

Marketplace Silver (Molina)

Market 6000 HSA (Medical Mutual)

Bronze Pathway X PPO (Anthem)

Bronze Pathway X HSA PPO (Anthem)

 

Hamilton County

Essential Care 1 (Ambetter)

Essential Care 5 (Ambetter)

Marketplace Silver (Molina)

Market HMO 6000 (Medical Mutual)

 

Montgomery County

Just4Me Bronze (CareSource)

Health One Bronze 6850 (Premier)

Health One Bronze 6500 (Premier)

Marketplace Bronze (Molina)

 

Franklin County

Just4Me Bronze (CareSource)

Bronze Pathway X HMO (Anthem)

Just4Me Silver (CareSource)

Marketplace Silver (Molina)

 

Mahoning County

Marketplace Bronze (Molina)

Just4Me Silver (CareSource)

Bronze Pathway X PPO (Anthem)

Bronze Pathway X PPO HSA (Anthem)

 

Cuyahoga County

Essential Care 1 (Ambetter)

Just4Me Bronze (CareSource)

Essential Care 5 (Ambetter)

Marketplace Bronze (Molina)

 

Anthem’s “Silver Pathway PPO 2000” is a highly-rated plan with included office visit and prescription options. Coinsurance is 20% with a moderately-low $2,000 deductible.  Anthem also offers one of the largest provider networks in the state. Once again, you can keep the same top-end benefits, but by increasing the coinsurance and deductible, you’ll save money.

As earlier mentioned, the best health insurance plan in Ohio may not be the most expensive plan. We’ll happily discuss your options, although we’re used to recommending affordable quality plans…even if they’re not the most expensive! For example, if you only need a “basic” plan with catastrophic and preventive benefits, the most suitable option for you is not that costly.

You can instantly view, compare or apply for coverage at any time. Please click on the “Get Instant Quote” button at the top of the page.

Why Do Some Prescriptions Cost More Than Others?

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Ohio health insurance companies divide all drugs into categories (tiers) based on cost and use. “Generic” drugs are the least expensive type of prescription. They typically cost between $3 and $10 and are available from most pharmacies in the state, including Walmart, Target, major grocery chains, Walgreens and CVS.

Preferred drugs don’t have a generic equivalent, but they still tend to be fairly inexpensive. They may cost between $10 and $40, depending on the condition that is being treated. Tier Three options are more expensive and are not very common. But they are more expensive than generic and preferred alternatives.

Best RX Coverage in Ohio Health Insurance

Most Health Insurance Plans In Ohio Have RX Benefits

Specialty drugs are the most expensive. Usually they are used with very serious medical conditions that involve a very specialized (and sometimes radical) type of treatment. A few examples are treatment for cancer rejection or rheumatoid arthritis. Your copay and/or coinsurance will tend to be fairly high for this type of prescription.

By purchasing medicines directly through the mail (mail order), often your out of pocket costs will reduce. Most major insurers offer this feature and the savings can be substantial, especially if it is an ongoing purchase. Home delivery is convenient and usually the drugs are delivered every 90 days.

 

Prescription Drug Information Video

Most Ohio health insurance plans (either current or through the Exchange after 2014) provide mandated prescription benefits. Although the copays may differ, there is no annual or lifetime cap, which is extremely important if you are taking an expensive medication.”Platinum” policies will have the best benefits.

Please call or email us if you have concerns or questions regarding RX benefits on an existing policy or new health insurance coverage in Ohio that you intent to buy. We can explain which plans will offer the most coverage for your prescriptions but at the lowest cost.

United HealthCare of Ohio…Affordable High-Quality Health Insurance

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United HealthCare of Ohio (UHC) offers more than 100 different health insurance policy variations. For a single person, monthly rates can range from $30 to $500 per month. Both catastrophic and comprehensive policies are offered along with HSA, student and small-business options. UHC markets their contracts under the “Golden Rule” name.

To help you decide which  policy is the best fit for you, we have briefly reviewed (below) some of the most popular options.

High Deductible (Catastrophic) Plans

It is your responsibility to pay for any routine health care expenses until your deductible is met. Once you meet your deductible, covered costs are paid by the policy. Generally, your deductible is higher than most other plans. But premiums on this type of  policy are usually fairly low. The most commonly selected deductibles are $5,000 and $7,500.

Plans To Consider: “Saver 80,”  and “Plan 80”

Traditional Copay Plans

Golden Rule Ohio Family Coverage

Ohio Family Health Insurance Through UHC

Copay plans offer similar features and benefits as traditional employer-sponsored plans. Golden Rule offers many plans that feature a set fee for office visits and 100% coverage for preventative visits. Normally, 100% of your exam and history costs are covered after the copay. Drug prescription card benefits are often included. There are many available riders so we can customize benefits to match your needs.

Plans To Consider: “Copay Select” and “Copay Saver”

Health Savings Accounts (HSAs)

United HealthCare offers HSAs with many deductible and coverage options. HSAs combine a high-deductible, lower-cost health insurance plan with an optional tax-favored side account. They will continue to be available when the State Exchange is up and running.

With an HSA Plan in Ohio, you may deposit money that you have saved on premiums into your tax-sheltered account. These savings can subsequently be used to pay your qualified medical, vision and dental expenses. Money that you deposit can be tax-deducted that year, even if it has not been spent yet. Of course

Plans To Consider: “HSA 100” and “HSA 70”

Short-Term Medical Plans

If your health insurance need is six months or less, than a short-term policy might be appropriate. Periods of coverage range from one to six months (and sometimes longer) and policies are usually approved within 48 hours. If you are unemployed or between jobs, this type of coverage is often your best option.

Plans To Consider: “Short Term Medical”

Of course, there are many excellent-rated companies here in the Buckeye state. When we review the policies that will provide the best benefits at the lowest cost, UnitedHealthCare may not always be the perfect fit. As an independent Agency, we will ultimately recommend the highest-rated carrier with the best pricing.