Affordable health insurance in Cleveland can be purchased directly from our website in minutes. With the help of federal tax subsidies and other recent changes in legislation, we'll show you the lowest direct rates from all of the top-rated companies. Whether you live in Cuyahoga county or the surrounding area, there are affordable options for your medical coverage.
We provide the best prices from all of the major carriers. No other person, website or Exchange can legally offer a lower premium since plans are regulated to protect consumers. Among the top-rated companies available are Anthem Blue Cross and Blue Shield, UnitedHealthcare, Ambetter, HealthSpan (Previously Kaiser), Medical Mutual, SummaCare, Aetna, Humana, InHealth, Molina, and CareSource.
Additional carriers that offer non-compliant short-term plans are HCC Life and IAC Group. Along with UnitedHealthcare, these three companies offer the most competitive temporary contracts that can be used if you need benefits for less than 12 months. However, expenses resulting from existing conditions are not covered and federal subsidies are not applicable.
Ohio Health Insurance Marketplace
The Ohio State Exchange (Marketplace) has been operational since late 2013 and Open Enrollment occurs every year. For 2016 coverage, the OE period is from November 1 2015 through January 31, 2016. However, you can obtain medical coverage at any time throughout the year if you qualify for a Special Enrollment Period (SEP) exemption.
After you view your quote on our website, you can enroll in a plan in less than 15 minutes. We help determine if you are eligible for a federal subsidy, and also calculate the amount that can be directly applied to reduce your rate. If you are Medicaid or Medicare-eligible, we'll help you obtain the benefits you are entitled to.
Since the subsidy (only for persons under age 65) is treated as an "instant" tax credit, it immediately reduces your premium. Dependents in your household that are covered through other policies will still be counted, and will increase the amount of your subsidy. Also, a spouse that is Medicare-eligible will generate additional financial aid for other members of the household. NOTE: Dependents that file their own tax returns can not be considered in your financial aid calculation.
In some situations, COSE (Council Of Smaller Enterprises) can help small business owners with Worker's Compensation issues and selecting a plan. With more than four decades of experience and more than 10,000 active members, they can offer recommendations regarding legislation changes, becoming involved in community events, and promoting your company to other consumers and business owners.
Ask us about COSE and whether you can benefit by any of their products. They are located on Huron Avenue and service the entire area. There are many local events that may help increase your client base. Each year they host their "Business Pitch Competition" which awards prize money to the best entries. However, if you need individual and family coverage, utilizing our website is still the best option.
Cuyahoga County is part of "rating area 11," which consists of four other counties (Ashtabula, Geauga, Lake and Lorain). There are many similar areas in the state, and if you move to a different area, you may be eligible to re-enroll in a different plan since your local provider network may have changed. Prices are likely to be different and some companies (such as SummaCare) may not offer policies in that area.
Types Of Available Plans
Cleveland health insurance plans include short-term, catastrophic, comprehensive and HSA policies, and rates can substantially vary, depending on the available benefits. While we feel it is important to ensure that your benefits match your needs, we believe it is equally important to avoid paying for benefits you will never use.
If you need to secure a policy quickly (within the next few days), we will recommend a policy that substantially reduces the rate, and allows you to keep coverage only as long as you need. Currently, UnitedHealthcare offers the lowest short-term health insurance rates.
During Open Enrollment, and SEP periods throughout the year, you can choose more comprehensive plans, although next-day coverage may not be available. Typically, the effective date can be the first day of the month following your application date (assuming it is before the 15th of the month).
Temporary policies (earlier mentioned) work best if you have missed Open Enrollment, or are waiting for new benefits to begin, but have a short gap that needs to be filled. Whether you're waiting for Open Enrollment for Exchange benefits, qualify for Medicare, or enroll in a student medical plan, these types of contracts can be both quickly approved and terminated when you don't need it.
The Cheapest 2015 and 2016 Policies - Examples
It is possible to obtain reasonable rates in Cuyahoga county or any other part of the state. Raising the deductible on the hospital/surgical portion of the policy can save hundreds or thousands of dollars per year. Increasing copay amounts of office visits and prescriptions can also save significant amounts of premium dollars.
Listed below are current monthly rates for a family of four (Ages 45, 45, 15, and 12) living in Cuyahoga County. The household income is $52,000 and the instant tax-credit subsidy of $502 has been applied.
$134 Ambetter Essential Care 1
$142 Ambetter Essential Care 2
$155 CareSource Just4Me Healthcare With Heart
$172 Ambetter Essential Care 1 + Vision and Adult Dental
$187 Aetna Bronze Deductible Only HSA
$203 HealthSpanOne Bronze 6000 HSA
$257 Molina Marketplace Bronze
$284 Ambetter Balanced Care 2
$323 Ambetter Balanced Care 4
$352 Ambetter Balanced Care 3
$368 HealthSpanOne 1500-70 HSA
$401 Molina Marketplace Silver
Health Savings Accounts (HSAs) are also an option worth considering if preventative and catastrophic coverages are your main priorities. HSA rates will vary greatly, depending on the deductible and carrier. NOTE: I live in Ohio and also have an HSA (family of four). I'll be happy to explain why this type of coverage may be an option you should consider.
Remember that this type of plan must be classified as an HDHP (High Deductible Health Plan) to enjoy all of the tax advantages and deductibility features. Also, if you receive "cost-sharing" from your Silver-tier plan, you may invalidate some of the main features of the contract. Please contact us if you are receiving a federal subsidy.
We'll help you find the most suitable options so you will be able to view, compare and apply for high quality healthcare coverage. We are "live" persons (Hopefully, we are!) with more than three decades of experience waiting to help. In addition, to giving you lifetime personal service, our quotes are always the lowest available by each carrier. Please feel free to call us any time at (888) 513 6446.
Cleveland Area Hospitals:
St. Vincent Hospital
MetroHealth Medical Center