Affordable Ohio Health Insurance Plans

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Cheap Ohio health insurance plans are available from many major health care providers (private and employer-provided) such as Anthem Blue Cross, Aetna, UnitedHealthcare, Medical Mutual, SummaCare, CareSource, Ambetter, and Humana. Individuals, families, the self employed, the uninsured, students and those persons on Cobra can apply for low-cost coverage through our website. As Ohio's respected resource for low cost medical coverage, we guarantee the rates you view are the lowest allowable by each company.

Catastrophic Policies

Catastrophic plans are the least expensive type of medical coverage. Typically, this type of plan provides major medical benefits that are subject to a deductible, typically between $5,000 and $7,350. With most plans, the higher the deductible, the lower the rate. 

If you are under age 30 or qualify for several financial hardship exceptions, a "catastrophic" Exchange plan can be purchased. However, since these contracts are not eligible for federal subsidies, unless your household income exceeds financial aid eligibility levels, a "Bronze-tier" policy may be less expensive, and offer lower out-of-pocket costs for office visits and generic prescriptions.

HSA Options

An HSA may be compatible with this type of coverage if it is defined as a "High Deductible Health Plan" (HDHP). There are several Marketplace options that are considered "HSA-eligible." However, some companies, such as Medical Mutual, Oscar, and SummaCare, offer policies in specific areas of the state instead of all counties.

HSA rates are generally much less expensive than conventional health plans. Small business owners and the self-employed often prefer this type of contract. Similar options became available through the Exchange that began four years ago. No person can be denied for medical reasons and a federal subsidy (as previously mentioned) is available if certain income requirements are met. After submitting a quote request, your eligibility can be quickly determined.

Pay less for your healthcare plans in Ohio. Get the most affordable individual coverage and enroll in minutes.

Cheapest Health Insurance Rates In Ohio

We have listed below the least expensive options for individual and family coverage in random zip codes. Our hypothetical household consists of two married persons (age 48) with one dependent covered separately, and household income of $36,000. The federal instant tax-credit has been applied to reduce the premium. Of course, plan availability and pricing will be impacted depending on your county of residence. Rates shown are monthly.

45244 (Hamilton County)

$49 - Essential Care 1 from Ambetter

$55 - Essential Care 2 from Ambetter 

$57 - Essential Care 3 from Ambetter 


44862 (Richland County)

$0 - Market HSA 6000 from Medical Mutual

$38 - Market HSA 4000 from Medical Mutual 

$66 - Bronze Pathway X PPO 0 from Anthem


45458 (Montgomery County)

$58 - Essential Care 1 from Ambetter

$60 - One Bronze 5500 from Premier

$66 - Essential Care 2 from Ambetter


45502 (Clark County)

$60 - One Bronze 5500 from Premier

$103 - 6000 HSA from HealthSpan

$115 - 4000-70 from HealthSpan 


43232 (Franklin County)

$64 - Deductible Only HSA from Aetna

$101 - $20 Copay from Aetna

$150 - Market HSA from Medical Mutual


44122 (Cuyahoga County)

$33 - Essential Care 1 from Ambetter

$40 - Essential Care 2 from Ambetter

$42 - Essential Care 3 from Ambetter 


44322 (Summit County)

$31 -Just4Me With Heart from CareSource

$35 - Essential Care 1 from Ambetter

$44 - Bronze Deducible Only HSA from Aetna


43402 (Wood County) 

$43 - Bronze 6000 HSA fromHealthSpan

$53 - Bronze 4000-70 HSA fromHealthSpan

$89 - Bronze 5000-80 from HealthSpan  


45066 (Warren County)

$53 - Bronze 5750/Dayton HMOx from Humana

$74 - Bronze 6000 HSA fromHealthSpan

$75 - One Bronze 5500 from Premier     

Many cheap plans are available…and pre-existing conditions are covered. You can also view additional company information. However, if you are currently being treated for a chronic illness, or are prescribed multiple, non-generic medications, enrolling in a more expensive plan may be a more suitable choice. For instance, in these situations, often upgrading and paying $100 per month more in premiums, will result in savings of thousands of dollars each year.

To compare or apply for an Ohio health insurance plan, please click on the “Get Instant Quote” button at the top of this page. You are guaranteed to receive the lowest available prices from each carrier.