Affordable Ohio Health Insurance Plans

(888) 513-6446

Compare and Save

Affordable health insurance in Dayton can be purchased directly through our website at the lowest rates offered by each company. For more than 40 years, we have helped consumers in the Miami Valley compare Senior, personal, and business plans for themselves, family members and employees. We review and compare all Medicare, single and family plans. Non-Obamacare plans are often less expensive that Exchange plans, although benefits are different. UnitedHealthcare and Allstate offer competitively-priced short term 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. Kettering, Centerville, Miamisburg, Springboro, and Englewood also offer inexpensive property and casualty options. 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, Green Memorial, Southview, 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 and Urgent Care  facilities.

Ambetter, which offers low rates in the Miami Valley, includes the following local hospitals in their provider network: Grandview Medical Center, Southview Hospital, Kettering Medical Center, Soin Medical Center, Rehabilitation Institute Of Ohio, Medical Center At Elizabeth Place, Kindred Hospital, Springfield Regional Medical Center, Greene Memorial Hospital, and Mercy Memorial Hospital. Miami Valley Hospital is not in the Ambetter Network. However, MVH is a member of several other carrier networks.

 

Below, you can view sample monthly prices (under age 65) 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 $35,000

$16 – Anthem Bronze Pathway X HMO 9100

$17 – Anthem Bronze Pathway X HMO 9100/0% Standard

$23 – Anthem Bronze Pathway X HMO 6000

$36 – Anthem Bronze Pathway X HMO 5000

$41 – Anthem Bronze Pathway X HMO 5500

$57 – Medical Mutual Market HMO 9100

 

50-Year-Old Married Couple Residing in Zip Code 45405 With Income Of $59,000

$52 – Anthem Bronze Pathway X HMO 9100

$54 – Anthem Bronze Pathway X HMO 9100/0% Standard

$69 – Anthem Bronze Pathway X HMO 6000

$102 – Anthem Bronze Pathway X HMO 5000

$114 – Anthem Bronze Pathway X HMO 5500

$154 –  Medical Mutual Market HMO 9100

$156 – Anthem Bronze Pathway X HMO 7450/0% for HSA

 

25-Year-Old Residing in Zip Code 45459 With Income Of $32,000 

$15 – Anthem Bronze Pathway X HMO 9100

$15 – Anthem Bronze Pathway X HMO 9100/0% Standard

$20 – Anthem Bronze Pathway X HMO 6000

$29 – Anthem Bronze Pathway X HMO 5000

$32 – Anthem Bronze Pathway X HMO 5500

$43 – Medical Mutual Market HMO 9100

 

60-Year-Old Married Couple Residing in Zip Code 45373 (Miami County) With Income Of $70,000

$60 – Anthem Bronze Pathway X HMO 9100

$63 – Anthem Bronze Pathway X HMO 9100/0% Standard

$85 – Anthem Bronze Pathway X HMO 6000

$137 – Anthem Bronze Pathway X HMO 5000

$155 –Anthem Bronze Pathway X HMO 5500

 

48-Year-Old Married Couple Residing in Zip Code 45066 (Warren County) With Income Of $53,000

$59 – Ambetter Clear Bronze

$73 – Medical Mutual Market HMO 9100

$84 – Medical Mutual Market HMO Standard Bronze

$85 – Medical Mutual Market HMO 8000

$93 – Anthem Bronze Pathway X HMO 9100

$95 – Anthem Bronze Pathway X HMO 9100/0% Standard

 

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, Allstate (formerly National General), Companion Life, and HCC Life. Humana 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 several features not found in other policies. Anthem Blue Cross also provides temporary coverage. NOTE: Premier previously utilized Miami Valley Hospital (pictured below), but ceased offering private coverage.

Short-Term Monthly Rates

35-year-old male

$67 – UnitedHealthcare $15,000 deductible

$75 – Everest $10,000 deductible

$85 – UnitedHealthcare 7,500 deductible

$87 – Everest $5,000 deductible

$100 – Everest $2,500 deductible

 

35-year-old married couple

$115 – UnitedHealthcare $15,000 deductible

$126 – Allstate $10,000 deductible

$149 – UnitedHealthcare $7,500 deductible

$152 – Everest $5,000 deductible

$179 – Everest $2,500 deductible

 

45-year-old married couple

$139 – UnitedHealthcare $15,000 deductible

$159 – Allstate $10,000 deductible

$180 – UnitedHealthcare $7,500 deductible

$221 – Everest $5,000 deductible

$259 – Everest $2,500 deductible 

 

HSA Options

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 coverage 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 Cincinnati-based networks. If you lived in Englewood, 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. Oscar is popular in the Cleveland and Columbus areas, and may expand to the Miami Valley in the future.

Available Health Savings Accounts offered in Montgomery, Miami, Darke, Greene, Preble, and Warren Counties include:

Medical Mutual Market HMO 7000 HSA

Medical Mutual Market HMO 4000 HSA

Ambetter Essential Care 2 HSA

CareSource Marketplace HSA Eligible Bronze

Anthem Bronze Pathway X HMO 6000 20 for HSA

Anthem Bronze Pathway X HMO 6850 0 for HSA

Anthem Bronze Pathway X HMO 6100 0 for HSA

Anthem Bronze Pathway X HMO 3200 10 for HSA

 

Senior Medigap Coverage (Dayton Area)

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. Monthly rates shown are for a non-smoking 65-year-old female.

Plan A

$70 – AARP-UnitedHealthcare

$87 – Mutual Of Omaha

$93 – Accendo

$94 – Continental Life

$101 – Medical Mutual

$101 – New Era Life

$101 – Humana

$101 – Elips Life

$102 – Ace Property And Casualty

$102 – Allstate

$102 – Paramount

$103 – United States Fire

$103 – AFLAC

$106 – Cigna

 

Plan B

$111 – Continental Life

$113 – AARP-UnitedHealthcare

$124 – United States Fire

$220 – United American

$245 – Assured Life

 

Plan C

$124 – New Era Life

$134 – Paramount

$136 – AARP-UnitedHealthcare

$153 – Heartland National Life

$163 – Medical Mutual

$232 – GPM Health

$234 – United American

$334 – Assured Life

 

Plan F

$114 – SBLI USA Life

$121 – Cigna

$122 – Omaha Supplemental

$123 – Allstate

$123 – Ace Property And Casualty

$116 – Accendo

$126 – Humana

$127 – AFLAC

$129 – American Home Life

$129 – American Benefit Life

$131 – AARP-UnitedHealthcare

$135 – Elips Life

$135 – United States Fire

$140 – Manhattan Life

 

Plan F (HD)

$41 – Allstate

$45 – Humana

$46 – Medico

$69 – Medical Mutual

 

Plan G

$99 – Mutual Of Omaha

$100 – United States Fire

$100 – Continental life

$100 – Western United Life

$101 – Accendo

$101 – Humana

$101 – AARP-UnitedHealthcare

 

Plan N

$81 – Aetna

$84 – Western United Life

$84 – Assured Life

 

Medicare Advantage Plan Rates In Montgomery and Surrounding Counties

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

$0 – AARP Medicare Advantage Patriot No Rx

$0 – AARP Medicare Advantage From UHC OH-0007 

$0 – AARP Medicare Advantage From UHC OH-0012

$0 – AARP Medicare Advantage From UHC OH-0015

$0 – Aetna Medicare Eagle

$0 – Aetna Medicare Premier

$0 – Anthem Veteran

$0 – Anthem Medicare Advantage HMO

$0 – Anthem Medicare Advantage PPO

$0 – Buckeye Health Plan – MyCare Ohio

$0 – Cigna Preferred Medicare

$0  – Cigna Preferred Savings Medicare

$0 – Cigna True Choice Medicare

$0 – CommuniCare Advantage CSNP

$0 – Devoted CHOICE Ohio

$0 – Devoted CORE Ohio

$0 – Devoted GIVEBACK Ohio

$0 – Humana Gold Plus –  Diabetes And Heart

$0 – Humana USAA Honor

$0 – MedMutual Advantage Access

$0 – MedMutual Advantage Classic

$0 – MedMutual Advantage Signature

$0 – Molina Dual Options MyCareOhio

$0 – Molina Medicare Choice Care

$0 – Mount Carmel Medigold Cash Back No Premium

$0 – Mount Carmel Medigold Cash Back No Premium Choice

$0 – Paramount Elite Courage

$0 – The Health Plan SecureChoice Optimum

$0 – WellCare Dividend Giveback

$0 – WellCare No Premium Open

$18.40 – Humana Together In Health

$19– Devoted PRIME Ohio

$19.20 – Anthem Extra Help

$20 – Communicare Advantage Sapphire

$20 – UHC Nursing Home Plan

$21.40 – WellCare Assist

$25 – MediGold Flexible Choice

$27 – Cigna Preferred Plus Medicare

$27 – Anthem MediBlue Plus

$27 – Humana Gold Plus

$30 – MedMutual Advantage Secure

$37 – Anthem Medicare Advantage 3

$37.10 – Humana Value Plus

$40 – MedMutual Advantage Choice

$40.90 – Communicare Advantage ISNP

$40.90 – UHC Nursing Home Plan

$47– Mount Carmel MediGold PLus

$49 – Anthem Medicare Advantage 3

$49 – MedMutual Advantage Select

$51 – Communicare Advantage Emerald

$57 – Mount Carmel Medicare Choice

 

Additional 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.

 

Supplemental

Select Plan N

Plan A

Plan F

Advantage

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 each year, 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