How to apply for Ohio Health Insurance Exchange plans. It’s actually very easy. You can obtain affordable coverage both before AND after Open Enrollment. We have carefully crafted this website to make the application process simple. Any “questionable” companies have been removed from the quoting software and we highlight the Ohio Marketplace plans that offer the most comprehensive coverage for the premium that is being charged.
Request Your Quote
The process starts when you request your quote at the top of the page. Once you have provided some basic information, you’ll be presented with approximately 60-80 quotes from the best health insurers, such as Anthem Blue Cross, UnitedHealthcare, Medical Mutual, Aetna, Healthspan (formerly Kaiser) and Humana. We have filtered out all "discount" or "limited" policies.
Yes, those are a lot of options, but we will easily scale the number down to the 5-10 that are your best enrollment choices. A quick phone call or email to us will start that process. Once we know some basic information about what claims you are most likely to submit, we can show you the most ideal plans that will keep the most money in your pocket.
If you're not eligible for an Obamacare federal subsidy, we will show you policies that will keep your premium low while still offering premium benefits that cover the most important items. For example, if there are specific benefits that you don't want or need, we'll highlight those options.
The subsidy is the federal tax credit that is instantly provided. It can reduce your premium as much as $10,000 per year. The prices you view, however, do not include the subsidy. Therefore, we will quickly determine if you qualify and calculate the resulting credit. Your total household income will have a direct impact on the amount you receive.
Also, the more dependents you declare on your tax return, the more generous the federal government will be when awarding your financial aid. You also get a "credit" if a spouse is covered under Medicare.
If you do not qualify for a subsidy, then you can apply for an "Off-Exchange" plan, which reduces the processing time since the government is not involved. Your policies would still meet the "Essential Benefits" requirement, and satisfy all new legislative mandates.
You would not be taxed or fined for non-compliance during Open Enrollment. As we will discuss later, if you miss the deadline, there are several options which will allow you to purchase inexpensive plans that take care of any gaps in benefits.
Click On The Button
Once you have decided which plan is best for you (with or without our help), as you are reviewing the details, you’ll see an orange “Apply” button. If you DO NOT see that button, you should immediately contact us. You may not be on the right website. But assuming you are where you should be, you can either “Apply Online Now” or download the actual application. If you download the application, you can fax or email it to us.
When you “apply online,” you will be answering all of the questions on the secure website of the company you have chosen. If you “download” the application, you can print it and upon completion, email it back to us or fax it to (888) 513 6446. Whether you apply online or fax/email the information, the questions are the same and the rate is not affected.
Of course, starting in 2014, all of the medical questions were removed. And yes, that was by design. Because of the new federal legislation, Open Enrollment does not require you to answer any medical questions and pre-existing conditions are covered. The federal subsidy (if you qualify) will lower your cost. Only temporary plans require medical information to be furnished.
No Medical Questions
During this process, we will be happy to help you with the application questions or any other concern you have. Of course, we cannot (and will not!) answer them for you. But we can help interpret what information is being asked and give you some expert guidance. Short-term policies (earlier mentioned) require the least amount of information.
Buying Health Insurance in Ohio After Open Enrollment Ends
Yes, you still can. Many persons miss Open Enrollment because of procrastination while others may have more appropriate reasons. Also, there are pre-approved exceptions that will allow you to participate in the Marketplace, regardless of the month. A few of the most commonly-utilized exceptions are losing work benefits, notification of coverage termination, birth of a child and divorce.
In these situations, you will retain all rights that go along with purchasing a plan through Open Enrollment. Some of these "extras" include avoiding answering medical questions, pre-existing conditions are covered with no price increase, waiting period or higher deductible, and availability of tax subsidies.
But what if you missed the deadline because you either forgot, or simply decided you wanted to buy medical coverage? Although not the ideal option, a short-term plan will provide needed benefits until the next "Open" period. Although there are a few medical questions, approval usually occurs within 24 hours and we shop the major companies, so a reputable carrier will always be the underwriter.
A few companies will require you to pay the first monthly premium with the application. Typically, they do not withdraw the money until the effective date of the policy. Naturally, this payment can be refunded if you do not want coverage or do not accept the rate offer (subject to specific company guidelines).
However, Medical Mutual and Anthem do not require you to furnish any type of billing information in advance. You can request to be “billed at home.” On Marketplace policies, typically, all carriers will allow you to pay electronically or direct-bill. The tax credit subsidy is automatically applied to the premium.
Complete The Application
Once the application is completed, it is submitted by us directly to the health insurer. Generally, it takes between one and three weeks for an application to be approved, although short-term plans are often approved within 24 hours. You will receive written notification and a hard copy of the policy.
At any time you can cancel the policy. You are not under any obligation to keep the coverage for any length of time. We recommend paying your premiums monthly since there rarely is a discount for paying quarterly or semi-annually.
Let Us Help You Pick Out The Right Plan
Picking the best plan for your unique needs is perhaps the hardest part of the process. Call us. Email us. With 33 years of experience helping individuals and families here in Ohio, you’re in good hands. We’ll provide unbiased input on all of the health care options and the rates you see will always be the lowest prices that are provided by each carrier. And of course, we never charge any fees or share your personal information.