The MOST expensive Ohio health insurance plans? Now wait a minute! Ohio residents don’t care about expensive plans. You want me to do what I do best…find the most affordable Ohio health insurance plans. Right? Of course!

Well…today I’m going to deviate a bit. I spend 20 hours per day (OK…it seems that long) quoting, preaching, writing and writing about Ohio’s low cost health plans. Almost all of this blog’s content deals with saving you, the Ohio consumer, money.

Today is different. I have researched hundreds of plans from the major health insurance companies in an effort to find the ten most expensive Ohio individual policies. These plans are terrific policies, with rich coverages and low out-of-pocket expenses. But…they are very expensive. OK. Here they are:

1. Humana Portrait Share 80 Plus RX Unlimited $1,000 Deductible

2. Celtic Preferred Managed Indemnity Plan $1,000 Deductible

3. UnitedHealthOne Copay Select 0% Coinsurance $500 Deductible

4. Medical Mutual SuperMed One Standard 500 with Office visit and RX $500 deductible

5. Anthem Premier 80% BuyUp RX $250 Deductible

6. Anthem Premier 80% BuyUp RX $500 Deductible

7. Aetna First Dollar PPO 30 No Deductible

8. Celtic Preferred Managed Indemnity Plan $500 Deductible

9. Humana Portrait Share 80 Plus RX Unlimited (ded) $1,000 Deductible

10. Anthem Premier 80% BuyUp RX $1,000 Deductible

There they are! The 10 most expensive Ohio health insurance plans. Please keep in mind that I did not include any riders in the calculations, and excluded a few companies whose rates are extremely high on virtually every policy they offer. Also…These 10 plans are very comprehensive, and provide extensive coverage. Structurally, there is nothing wrong with the policies.

Ohioquotes.com is the premier resource for affordable Ohio health insurance plans. To instantly view, compare or apply for high-quality coverage, simply click on the “Get Instant Quote” button at the top of the page. Your information will not be shared with any other person or company.

Ohio Individual Health Insurance plans are available and quite affordable! Ohio individual rates have remained quite low compared to rates in most other states. Most plans can be paid on a month-to-month basis, so short-term or long-term coverage is possible.

Some of the most popular individual plans in Ohio are “Value” plans. These types of plans provide solid major medical coverage for catastrophic plans. However, Ohio rates are kept low by reducing the number of covered office visits and limiting coverage for non-generic prescriptions. Also, with some plans, preventative benefits are reduced or eliminated.

When shopping for an individual (or family) “Value” plan, it is important to only consider major reputable health insurance companies. Never purchase coverage from a company that markets “discount plans. Companies that sell “discount plans” are usually located outside of Ohio and charge an upfront application fee.

Some of the best individual Ohio health insurance “Value Plans are:

Anthem “Value” plan

Aetna “Preventative and Hospital” plan

United HealthCare “Copay Saver” plan

United HealthCare “HSA” Saver” plan

Humana “Monogram” plan

Naturally, before selecting a plan, it’s always advisable to review your particular situation and carefully review all of the existing options. To instantly view and compare Ohio health insurance plans, please click on the “Get Instant Quote” button at the top of the page. Your information will never be shared or sold to any other person or company.

Ohio health insurance rates are quite affordable…especially if your employer is paying the premiums. However, if you’re self-employed or are paying your health care premiums yourself, they may not seem so affordable.

Consumers can reduce their Ohio health insurance rates by following some simple guidelines. Ohioquotes.com, the premier resource for Ohio health insurance plans, provides these rate-saving tips:

·        If you’re relatively healthy, always consider raising your catastrophic deductibles. The savings could easily be thousands of dollars per year.

·        Never buy an Ohio health insurance policy from an out-of state broker. They may recommend the wrong plan, and are quite likely to be unfamiliar with all of the available Ohio health care plans.

·        If any broker attempts to charge you an “application fee” or processing fee,” run away fast! The lone exception is some Ohio short-term policies.

·        If your rates have increased each of the last three years, it might be a good time to compare plans. Current Ohio health insurance rates may be less than the premium your older policy is costing you.

·        Consider an Ohio Health Savings Account (HSA). In addition to tax deductions, the savings in premiums can be deposited into a side account that pays current expenses. Potentially, you could save thousands of dollars.

·        Eliminate unneeded coverages. If you rarely visit a physician and there are no children on the policy, consider eliminating the coverage if the savings is substantial.

·        Let us review your current coverages. It’s possible there are some available discounts you’re not aware of. Also…simple “fine-tuning” instead of changing an existing plan might provide some premium savings.

Ohio health insurance rates don’t have to be high. For a free policy review, please call or email us. For an instant Ohio quote, 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.