Choose low-cost medical coverage in Ohio and reduce your premiums.Free online Ohio health insurance quotes from multiple companies can potentially save you thousands of dollars. We make it easy for you to shop, compare, and apply for the best prices from the highest-rated carriers. During Open Enrollment, most policies are guaranteed to be approved regardless of any conditions you may have. If you missed Open Enrollment, there are several affordable plans available.
With all of the changes regarding the creation of Federal and State Exchange Marketplaces, new mandated benefits, and elimination of many group plans, you need a local experienced Agency that will help you find the best plans. And that's exactly what we do. As new Trump Administration plans become available, and the Affordable Care Act is changed, we inform you of all changes and how it may impact your current and future benefits.
Although the number of available options has decreased (from about 500 to less than 100), additional steps must be taken before applying, including calculation the amount of your federal subsidy. If your household income disqualifies you from the instant tax credit, an "Off-Exchange" policy should perhaps be considered. It will reduce the actual purchase process by about 75%.
You can also utilize our resources and apply for a policy without the help of a broker. Your rate will be the same and you'll still have full access to all data and information for each plan and carrier. You always receive "direct" pricing, so you can be confident a lower rate can not be found anywhere. It's the law!
Reached Age 65?
If You are on Medicare and have reached age 65, a Medigap (supplement) may be able to save you money. During Open Enrollment periods, no medical questions will be asked and depending on multiple factors, you may benefit by having this type of extra benefit. A separate Part D prescription coverage may also be available.
Please be advised that recent changes to "Under Age-65" Obamacare plans have very little impact on Medicare Supplement or Advantage options. The large federal tax credits apply to Exchange coverage for individuals and families not already covered by Medicare, Medicaid or CHIP.
We are also quite different than most other websites since we are located here in Ohio and have spent four decades providing expert guidance. We’re also one of the state’s most popular sources for advice, information and education. If you have questions or concerns regarding policy coverages, health care reform or future rates, we'll provide the answers. Our tools and resources are the best in the industry.
And most importantly, we'll review every available policy to make certain the plans we recommend, meet your budget requirements and also provide the coverage you need. Since pricing is not the same in all areas of the state, it's important to understand that the best offers in Cincinnati (View Queen City prices here) or Loveland, might be different than the best offers from Akron or Warren. Network availability will also be quite different.
As new companies join the Market, such as Oscar, Ambetter, and Molina, we'll review their plans, verify network coverage, and provide in-depth analysis of their most popular offerings. HealthSpan, Premier, Aetna, Humana, and UnitedHealthcare no longer underwrite private medical coverage.
CareSource is also a new carrier to the individual market, although they have always been very active in the Medicaid market. Many major carriers (see above) have not been active in the "subsidized policy" marketplace. However, we expect that trend to change, and we will provide price and benefit information for all of their newly-created plans.
When we provide your health insurance quote, we research and compare all of different types of coverage. After reviewing all plans, we eliminate policies that are not price competitive or do not offer local network doctors and hospitals. Our goal is to maximize your savings and help you every step of the way during the application process. After the policy is approved, we still provide expert service at no cost.
If you have serious medical conditions, it may be advantageous to consider a State Risk Pool or, if after 2014, a guaranteed-issue option through the Exchange. There may be other considerations, such as the type and cost of your medications (if any), your income, and if the conditions are treatable or will get progressively worse. With all of this information, we'll show you the best policies that will cost you the minimum amount of money. You may even qualify for a subsidy from the government.
Whether you are working for an employer, own your small business or without coverage, our free online Ohio health insurance quote system simplifies the process. The combination of state-of-the-art software and an experienced broker ensures that you will be able to view affordable options and easily apply online for coverage.
We're the only resource that gives you a combination of so many years of experience, high-tech quoting and applying, and the choice of customizing plans, and the level of assistance you wish to receive as you secure a policy. But no matter what, your online quoting experience with us is free and we will always be a phone call or email away from live help.
Many different medical plan options are available online. Catastrophic, comprehensive, short-term, and Health Savings Accounts (HSAs) are offered with different deductibles and multiple levels of coverage, including Medicaid plans. We are committed to showing you the policies that best meet your personal budget, but also give you the most coverage for the rate you are paying.
It is also important to avoid paying for benefits that you might never use. Often, maternity and other selected coverages are not needed, and elimination of these benefits can result in substantial savings. Higher deductibles can also reduce rates and we provide many low-cost deductible options.
UPDATE: May 23 2014 - Since Open Enrollment has ended (until November) short-term plans are very popular. You may notice that prices are very inexpensive. Temporary policies are designed to cover you until you are eligible for either a federal subsidy or more comparehensive Marketplace plan.