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. The 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.
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
$85 - Medical Mutual Market HMO 7900
$99 - Medical Mutual Market HMO 6750 HSA
$136 - Ambetter Balanced Care 11
$141 - Ambetter Balanced Care 5
$149 - CareSource Marketplace Bronze
50 Year-Old Married Couple Residing in Zip Code 45405 With Income Of $37,000
$91 - Medical Mutual Market HMO 7900
$125 - Medical Mutual Market HMO 6750 HSA
$217 - Ambetter Balanced Care 11
$229 - Ambetter Balanced Care 5
25 Year-Old Residing in Zip Code 45459 With Income Of $22,000
$65 - Medical Mutual Market HMO 7900
$74 - Medical Mutual Market HMO 6750 HSA
$100 - Ambetter Balanced Care 11
$103 - Ambetter Balanced Care 5
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
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 General, Companion Life, 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.
HSA plans (more information is found here) are also available. CareSource, Ambetter, 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, previously, Humana featured Dayton and Cincinnnati-based networks. If you lived in Englewwod, or Harrison Township, your choice of plans was different than someone that resided in Springboro, Middletown, or Franklin. Humana's only other network was Cleveland-based.
Several of the available Health Savings Accounts offered in Montgomery, Miami, Darke, Greene, Preble, and Warren Counties include:
Medical Mutual Market HMO 6750 HSA
Medical Mutual Market HMO 5250 HSA
CareSource Marketplace HSA Eligible Bronze
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 - AARP MedicareComplete Plan 6
$0 - Aetna Medicare Value
$0 - Aetna Medicare Select
$0 - Allwell Medicare
$0 - Anthem MediBlue Essential
$0 - Anthem MediBlue Preferred
$0 - Buckeye Health Plan - MyCare Ohio
$0 - CareSource Advantage Zero Premium
$0 - Humana Gold Plus
$0 - HumanaChoice
$0 - MediGold EssentialCare
$0 - MedMutual Advantage Classic
$0 - MeridianCare Essential
$0 - Molina Dual Options MyCareOhio
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
MediBlue Dual Advantage
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.
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