Ohio family health insurance is more affordable than you may realize. I’ll examine rates for a “typical” family in different parts of Ohio and use the Cincinnati, Dayton, Columbus and Cleveland areas. Our sample healthy Ohio family is a husband and wife (both age 35) with two children, ages 8 and 6. Ohio family health insurance plans can vary, so I'm selecting high-quality plans from Ohio's top carriers. Although not used in the comparison, Medical Mutual is also a very reputable and reliable company.
Ohio family plans will typically contain comprehensive coverage along with catastrophic and preventative coverages. Generally, family plan rates are higher than a catastrophic (only) plan. Most group health plans provided by employers will also be comprehensive family plans.
I’m comparing three of the most comprehensive Ohio health insurance family plans…Anthem Plan 2, UnitedHealthCare Copay Plan and Aetna PPO 2500. All three plans have copays on most office visit and prescriptions, and a $2500 deductible on major claims. Rates are monthly:
Cincinnati Health Insurance Rates
:
- Anthem- $381
- UnitedHealthCare- $354
- Aetna- $328
Dayton Health Insurance Rates
:
- Anthem- $360
- UnitedHealthCare- $284
- Aetna- $328
Columbus Health Insurance Rates
:
- Anthem- $360
- UnitedHealthCare- $284
- Aetna- $328
Cleveland Health Insurance Rates
:
- Anthem- $444
- UnitedHealthCare- $354
- Aetna- $397
Clearly, the Dayton and Columbus areas offer some of the lowest health insurance rates in Ohio!
2009 UPDATE: The original article was written more than a year ago and rates from all companies have increased. Anthem's "Plan 2" has been replaced by the "Premier" plan and some coverages have changed. My suggestion is to click on the "Get Instant Quote" button at the top of the page, and you will view current rates.
2010 UPDATE: Well...rates have increased again, but not substantially. New national health care reform has added preventive benefits to most plans with a provision that you do not have to meet a deductible. Also...Medical Mutual now offers extremely competitive rates in the Cincinnati area, and many other parts of the state.
