Affordable Ohio Health Insurance Plans

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Affordable health insurance in Dayton can be purchased directly through our website at the lowest rates offered by each company. For more than 38 years, we have helped consumers in the Miami Valley compare personal and business plans for themselves, family members and employees. We review and compare all single and family plans. 

Dayton area rates are among the lowest in the Ohio. Montgomery, Miami, Greene, Clark, Darke, Preble, and Warren counties feature some of the most affordable prices in the Midwest. Typically, area premiums are approximately 15%-25% lower than many northern portions of the state such as the Akron, Toledo and Cleveland areas. The most expensive plans are often found in Cuyahoga, Geauga, Mahoning, and Portage Counties.

Local Counties With Low Rates

Counties to the Southeast (Portsmouth) have slightly higher costs. This band of lower rates extends from the Tipp City-Troy area south to the Springboro-Frankin-Middletown area, which is where we are located. Nearby Wright-Patterson Air Force Base employees are covered by the federal government program, so although they are (generally) very healthy, it does not impact area costs. Areas (east to west) between Xenia and Eaton also feature attractive pricing.

Several of the reasons for the low premiums include reduced hospital and emergency room charges and less medical claims in recent years. Larger hospitals, such as Miami Valley, Sycamore and Kettering Medical Center, enjoy close relationships with the providers, and work together to reduce costs for area residents. It's not unusual to see your medical bill negotiated and repriced downward by hundreds or thousands of dollars. Many of the hospitals also operate satellite facilities.

Get the most affordable prices for your healthcare in DaytonOhio. We shop all of the carriers in Montgomery County and surrounding areas.


Below, you can view sample monthly prices for popular plans in several different scenarios. Federal subsidies are estimated (if applicable), and medical conditions (if any) do not impact rate. We also assume that all applicants do not use tobacco. Smoker premiums are slightly higher, and the applicants live in Montgomery County, unless otherwise indicated.


45 Year-Old Residing in Zip Code 45409 With Income Of $25,000

$89 - Premier Health One Bronze 6850

$109 - Molina Marketplace Bronze

$123 - Premier Health One Bronze 6300/35

$143 - Ambetter Balanced Care 1 and 2

$148 - Premier Health One Silver 4500/20


50 Year-Old Married Couple Residing in Zip Code 45405 With Income Of $37,000

$101 - Premier Health One Bronze 6850

$136 - CareSource just4Me Bronze

$150 - Molina Marketplace Bronze

$152 - Ambetter Balanced Care 1 and 2

$219 - Anthem Bronze Pathway X HMO 5000 40

$246 - Premier Health One Silver 4500/20


25 Year-Old Residing in Zip Code 45459 With Income Of $22,000 

$69 - Premier Health One Bronze 6850

$83 - Molina Marketplace Bronze

$106 - Ambetter Balanced Care 1 and 2

$140 - Anthem Silver Pathway X 4250 30

$166 - Premier Health One Gold 1500


60 Year-Old Married Couple Residing in Zip Code 45373 (Miami County) With Income Of $50,000

$182 - Premier Health One Bronze 6850

$235 - CareSource just4Me Bronze

$279 -Premier Health One Bronze 6000/40

$361 - Anthem Bronze Pathway X HMO 5000 40

$403 - Premier Health One Silver 4500/20

$654 - Humana Silver 3800/ Dayton HMOx


Short-Term policies

If you only need temporary benefits, a short-term plan may be the best option. Dayton's most inexpensive health insurance rates are offered by UnitedHealthcare, National Health, and HCC Life. Humana, Anthem, and Assurant no longer offer these types of plans in the area. Medical Mutual features a temporary policy that includes office visit benefits. It's more expensive than most other options, but contains some features not found in other policies. NOTE: Premier utilizes Miami Valley Hospital (pictured below), but does not offer short-term coverage.


View information about Dayton hospitals and the most affordable health insurance options.


HSA Options


HSA plans (more information is found here) are also available. Anthem, HealthSpan, and Medical Mutual are generally the best options. However, there are specific differences in coverages that must be considered before applying for a policy. Also, since all non-preventative expenses must meet the deductible, the size of your network-negotiated discount must be strongly considered, and of course, whether your physicians are participating providers.

For example, Humana features  Dayton and Cincinnnati-based networks. If you live in Englewwod, or Harrison Township, your choice of plans may be different than someone that resides in Springboro, Middletown, or Franklin. Humana's only other network is Cleveland-based.


Several of the best Health Savings Accounts offered in Montgomery, Miami, Darke, Greene, Preble, and Warren Counties include:

InHealth Bronze 2

Anthem Bronze Pathway X PPO 0

HealthSpan Select Bronze 4500-70

HealthSpan Select Bronze 6000

UnitedHealthcare Bronze Compass 5500

Medical Mutual Market 6000

InHealth Silver 2

Anthem Silver Pathway X PPO 10


Affordable Senior healthcare coverage is available in Ohio. Compare Medigap and Advantage plans now.


Senior Medigap Coverage


Dayton-area residents that have reached age 65, can qualify for Medicare Supplement, Advantage, Part D, and several other Medigap-related plans. Supplement coverage is standardized and available if you are currently enrolled in Parts A and B. All policies are guaranteed renewable, regardless of any medical conditions you have or have been treated for. Several of the least expensive options are shown below:

Plan F - Aultcare, Liberty National, Anthem, Physician's Mutual, Humana, American Republic, Colonial Penn, Medical Mutual, and UnitedHealthcare.

Plan L - Humana

Plan K - Humana

Plan N - Medico, Anthem, Humana, Cigna, and Aetna.

Plan A - Mutual of Omaha, Anthem, Medico, Cigna, Humana, and Aetna.

Plan G - Mutual of Omaha, Medico, Cigna, and Aetna.


Medicare Advantage Plan Rates In Montgomery and Surrounding Counties


(Estimated monthly rates shown below are for a 65 year-old)

$0 - MedMutual Advantage Classic

$0 - MediGold Essential Care

$0 - HumanaChoice R5826-021

$0 - Gateway Health Medicare Assured Select

$0 - Premier Health Advantage

$0 - AARP MedicareComplete Plan 6

$0 - Anthem MediBlue Essential 

$17 - Anthem MediBlue Access Core

$24 - Humana GoldPlus H8953-003

$29 - MedMutual Advantage Choice 


Anthem Senior Plans In Ohio

Anthem Blue Cross offers many policy options in the Dayton area, Shown below are current available plans. Dental and vision benefits can also be added.



Select Plan N

Plan A

Plan F



MediBlue Essential

MediBlue Dual Advantage

MediBlue Access

MediBlue Plus

MediBlue Access Enhanced


Part D Plans

Blue MedicareRX Standard

Blue MedicareRX Plus

BlueMedicare RX Premier


To view, compare or apply for coverage, please furnish your zip code near the top of the page. That helps determine the cost of your coverage, since it is a local rating factor. We are experienced, local, unbiased and provide the lowest available health insurance rates in the Dayton area.


Additional Information

Medicare Open Enrollment begins October 15th and the Miami Valley has many locations where consumers can receive free assistance regarding eligibility and plan comparisons. OSHIIP (Ohio Senior Health Insurance Information Program) will schedule appointments with Seniors on various dates at several locations. Some of these locations include:

Vandalia Senior Center

The Learning Place in Piqua

Earl Heck Center in Englewood

Warren County Community Services in Lebanon

Rec West Enrichment Center in Centerville

Xenia Community Center