Ohio family health insurance coverage provides comprehensive office visit, prescription and catastrophic benefits in one policy. Depending on the deductible, medical insurance rates for Ohio adults and children are very inexpensive with the help of available federal tax subsidies. Plans also cover qualified preventive expenses at 100% with no out-of-pocket cost. The average cost of this type of plan will vary, depending upon the number of covered person, their ages, county of residence, and smoking status.
When more than one person is covered, we understand that your needs are different than a single plan. Finding policies with lower copays on primary-care physician and specialist office visits, and other routine lab tests and x-rays, is generally considered a priority. We review and customize the options that work best for yourself and any other person covered on your policy.
If you only need to buy coverage for a few months (but less than 12 months), you should consider short-term policies. Although a temporary contract lacks comprehensive benefits, and is not eligible for a federal subsidy, it may be your best option if an Open enrollment deadline is missed.
Recent Changes And Enhancements
Annual upgrades and improvements generally improve policy benefits, and often add important features that may have been previously omitted. For example, mental illness, non-generic drugs, maternity, and contraception are four mandated coverage benefits that have been added within the last five years.
Each year, additional preventative benefits are added, that are not subject to a copay, coinsurance, or deductible. However, the tax/penalty for not complying with the law (enrolling in "qualified" coverage) increases each year, If your household income also increased, the penalty becomes larger.
A free government service from the Surgeon General is the Family Health Portrait tool.The application is online, and allows you to record your family medical history that can be shared with your personal physicians or other relatives. Your information is private and secure, since the federal government does not utilize the data.
Family Health Insurance Rates In Ohio
Coverage here in the Buckeye state typically costs less than comparable policies from other states. Although premiums are higher than a catastrophic (only) plan, they still may be less costly than coverage you purchase through an employer. Federal subsidies (if you qualify) will further reduce premiums.
Most group plans provided by employers are also comprehensive contracts, although other types of benefits may be offered. However, many employers (especially with under 50 employees) are either reducing full-time positions to part-time, or eliminating healthcare benefits. These changes are often needed since paying an "Obamacare tax" is often much less costly than providing benefits.
NOTE: Ohio Works First (OWF) helps needy families with limited assistance. "hardship" and "good cause" situations may qualify a household with cash benefits for up to 36 months. After 36 months, additional funds are not offered unless the County Department of Job and Family Services provides an extension. The program is offered to legal residents of the state that have a dependent under age 19, are pregnant, and meet specific income and job requirements.
We will examine rates for a “typical” family in different parts of Ohio and use the Cincinnati, Dayton, Columbus and Cleveland areas. Our "sample" is a husband and wife (both age 35) with two children, ages 8 and 6. Policy details are never the same, so we have selected high-quality plans from multiple carriers, including Anthem Blue Cross, CareSource, Medical Mutual, Ambetter, and other carriers.
The following rates are monthly and assume a household monthly income of $54,000. The federal instant tax-credit has already been included.
Cincinnati Area Rates
- $192 - Medical Mutual Market HMO 7900
- $269 - Anthem BCBS Bronze Pathway X HMO 7900
- $280 - CareSource Marketplace Bronze
- $457 - HealthSpan Select Bronze 5500
- $476 - UHC-Bronze Compass 6500
- $582 - Aetna Silver $10 Copay
- $687 - Medical Mutual Market HMO 1750
- $851 - Anthem Gold Pathway X PPO 1250 10
Dayton Area Rates
- $300 - Ambetter Balanced Care 2
- $313 - Ambetter Balanced Care 1
- $314 - Premier Health One Silver 4500/20
- $316 - Premier Health One Silver 4500/20
- $336 - Ambetter Balanced Care 10
- $348 - Molina Marketplace Silver Plan
- $426 - Anthem Silver Pathway X HMO 4250 30
- $465 - HealthSpan Select Bronze 5500-80
Columbus Area Rates
- $300 - Molina Marketplace Silver
- $314 - UHC-Bronze Compass 6500
- $424 - Anthem Silver Pathway X HMO 4250 30
- $482 - Aetna Silver $10 Copay
- $512 - Molina MarketplaceGold
- $560 - HealthSpan Select Bronze 5500-80
- $534 - Humana Silver 3800
Cleveland Area Rates
- $289 - Ambetter Balanced Care 2
- $300 - Ambetter Balanced Care 1
- $321 - Ambetter Balanced Care10
- $389 - Molina Marketplace Silver
- $421 - HealthSpan Select Bronze 5500-80
- $542 - Anthem Silver Pathway X HMO 4250 30
Additional plans are available that place a copay on primary-care physician (pcp) visits, but not specialist visits. Instead, a deductible must be met. Several of these policy options include the Aetna Bronze $15 Copay, Anthem Silver Pathway X HMO 2850 15, Anthem Silver Pathway X PPO 3500 25, and Anthem Silver Pathway X PPO 2500 10.