Health insurance for children and young adults in Ohio is available for every budget and is easy to purchase. Preventive benefits and well-child visits are covered at 100% with no out-of-pocket expenses. The cost of coverage is very cheap compared to other types of plans. You can compare the top-selling plans in the state when view your free quotes.
Many Ohio companies such as Medical Mutual, Anthem Blue Cross, UnitedHealthcare, SummaCare, Aetna, Ambetter, Molina, Oscar, CareSource, and Humana feature low cost plans for young persons, either privately, or through employer-provided group coverage. CHIP and Medicaid also offer very inexpensive coverage, depending on your total household income. "Healthy Start" and federal subsidies will save you money.
In certain financial circumstances, as discussed later, you may not be able to afford a policy. If eligible, CHIP and Medicaid are two established programs that will provide coverage for a limited premium or a $0 premium. The typical policy includes preventive, prescription and hospital benefits along with dental. It is possible that the provider network for these programs will not be as robust as other private individual policies.
Ohio individual health insurance rates for children are extremely cheap compared to other states. Using the least-expensive available Silver-tier plan, we have provided the total monthly rates to provide comprehensive coverage on a five-year old in the seven largest cities in Ohio. Households include a married husband and wife (both age 30) and one child, with $55,000 of income. In all cities, the cost of coverage will DECREASE when a dependent is added to the policy. Since the newly calculated federal subsidy exceeds the cost of coverage of the dependent, your monthly rates will reduce by the following amounts:
Dayton Area - $50 Decrease
Cincinnati Area - $54 Decrease
Columbus Area - $10 Decrease
Youngstown Area - $12 Decrease
Cleveland Area - $7 Decrease
Akron Area - $9 Decrease
Toledo Area - $4 Decrease.
It is possible to obtain "free" medical coverage if your subsidy exceeds the cost of the policy. Depending on the number of dependents you list on your tax return and your modified adjusted gross income, you could easily pay between $0 and $50 per month for your policy.
Typically, Medical Mutual, Ambetter, CareSource, and Molina offer the most competitive health insurance rates for children. However, each section of the state often has one or two plans that are uniquely price-competitive in that county. For example, SummaCare and Oscar offer very competitive prices in Northeastern Ohio. However, in other parts of the state, coverage is not offered. Ambetter and CareSource offer plans in most areas of the state.
Low-Income Family Options
For low-income families, Ohio Medicaid offers two options for children to obtain health care. Healthy Families is available to families with income up to 90% of the federal poverty level. "Healthy Start" (also known as CHIP) is available to families with income up to 200% of the federal poverty level. MAGI (Modified Adjusted Gross Income) is now used as the income criteria to determineeligibility for state and financial aid.
CHIP is ideal if your income is too high for Medicaid eligibility, but you also can not afford to purchase private coverage. If you apply for CHIP, proof of income and citizenship is required. You can submit paperwork online, in person or through the mail.
Once approved, personal ID cards are usually mailed quickly, and your benefits will be active. You can cancel your coverage at any time and if you move to another state, it's very likely you can keep coverage. However, a new primary-care-physician will have to be chosen since your provider network will change.
Once a child becomes eligible for Medicaid, they will be entitled to Healthcheck services. Healthcheck covers 10 medical exams during the first two years of life and annual wellness exams thereafter. This government plan can also be transferred across state lines if you move residences.
As of September 23 (2010), many Ohio health insurance companies will NOT offer health care coverage to children under 19 that are not covered on their parent's policy. President Obama's health care reform initiatives have forced this change by the carriers that is making it much more difficult to obtain children's coverage. Please call or email us for additional information.
As of September 2011, all companies have eliminated plans that insure children only (under age 19). However, short-term plans are available. Rates are very low although all claims are subject to the deductible. It's the best option at this time.
May 24 2012: Assurant still offers a "short-term" plan that will cover children under age 19. Rates are very inexpensive but a deductible applies to all claims. With a favorable Supreme Court ruling next month, there is a slim chance that most insurers will begin to offer "child only" plans again.
January 28 2013: The Supreme Court did rule favorably to impose a tax on consumers that do not purchase coverage in 2014 (and beyond). Butyou will have to wait until that time for a plan that covers a single person (only) under age 19.
Also, this month, the Centers For Medicaid and Medicaid Services offered more than $30 million of aid (in the form of grants) to reach out and make programs like CHIP and Medicaid more visible to parents of Ohio children that maybe able to qualify. Proposals to distribute funds must be received by February 1st and the awarded money will be distributed around June 1. Outreach and enrollment is the goal.
August 1 2014: During this year's Open Enrollment, it's estimated that about 300,000 persons in the state added medical coverage, with many obtaining CHIP or Medicaid benefits. Most hospitals are also reporting that a lower percentage of patients did not have existing coverage. This trend is expected to continue over the next few years.
Open Enrollment begins in 3 1/2 months and the application process will be more streamlined than last year. Through a combination of software enhancements from the Department of Health and Human Services, and increased functionality of the subsidy calculation software, we'll have you covered quicker than ever before.