Find the best health insurance plans in Ohio at the cheapest rates. Quality and cost are two of the most important factors we consider when comparing multiple Marketplace policies. Our research and information is available at no cost and free of bias. We work for you!
We systematically investigate and analyze all of the available individual and family policies from the top companies during and after Open Enrollment. But most importantly, we help you find the most suitable plans that fit into your price range and still provide the quality coverage that you need. As new legislation is passed, and perhaps previous legislation is repealed, we always keep you informed of the most recent changes.
Obamacare And Open Enrollment In Ohio
The passage of the "Affordable Care Act" has created a few changes regarding how you purchase your policy, the type of plan that is available, and the amount of government tax dollars that will help you pay the premium. For the first time, starting in 2014, your estimated earnings began to impact your premium. However, higher income-earners still have many low-cost options.
The live rates you view on our website are always updated daily to ensure accuracy and also verify that they are the lowest premiums filed with the Department Of Insurance. And since our offices are located locally, we stay "close to the action," and are always updating you on any type of change.
Even if you are self-employed or a small business owner, we can help. Typically, the benefit design can be modeled after large employer healthcare programs. However, since you don't need to provide coverage for thousands of employees, it's much easier to find an affordable option. "SHOP" is the small business Marketplace that is available to business owners with less than 50 employees.
We realize that a single 30 year-old male will have different needs than a family of four. Whether you are single, married, working for yourself, or jobless, within a few short minutes, you can easily review policies and apply for coverage. If you are eligible for a tax credit through an approved Exchange option, we'll calculate that for you.
Our website helps you compare plans in many ways:
· Price-Perhaps the most common method of shopping…You can easily pick a monthly premium you would like to pay and view plans in that price range. Naturally, the lower the price, the less benefits you will receive. A major medical health insurance (only) policy will substantially reduce your premium. A low deductible policy with no copays will cost the most. Sometimes, the rate in Cincinnati might be less than a similar policy in Toledo. And, depending on many factors, it could be just the opposite. It's not uncommon to see urban suburbs, like Beachwood (near Cleveland) and Tipp City (near Dayton) enjoy extremely competitive pricing.
· Company -It is not uncommon to request a policy from a specific carrier you have been previously insured with. Or, you may have recently been covered through a group plan that you wish to duplicate. Whether it’s Anthem Blue Cross, Aetna, Medical Mutual, United Healthcare, Humana or another smaller company, you will be able to study plans from many carriers… or just one. Some of the newer options, such as HealthSpan and CareSource can also be considered. SummaCare is an attractive option in the Akron/Canton area and much of the northern portion of the state.
· Type Of Plan-Whether you want a comparison of catastrophic, comprehensive or Health Savings Account (HSA) plans, you can select the type of coverage that suits you best, and view only those types of policies. We try to make it as easy as possible to find and research the type of benefits that best fit your income level and meet your objectives. For example, if you want to keep premiums low and cover only large claims, there are specific major medical plans that will be very pocketbook-friendly.
· Coverage-Higher deductibles can substantially reduce your premium. A popular health insurance tool is viewing medical plans with deductibles of $5,000 or higher. Possible savings of thousands of dollars per year in premiums can easily offset the increased out-of-pocket costs. We’re happy to review the best HSA options for you and your family. And of course, low-deductible plans are plentiful. These options are typically found in the Bronze or Silver tiers of Metal contracts.
When considering different options, it’s important to be able to make an informed decision by utilizing current resources that provide the information you need. Ohioquotes.com is the leader for free healthcare advice and guidance in the Buckeye state. Our tools, information and state-of-the-art software allow you to view all available policies at the lowest offered prices.
Often, a policy may appear to be "free." In these situations, the available federal subsidy exceeds the cost of your policy, resulting in no required premium for you to pay. Because your household income can change each year, it is important that we review your eligibility before each Open Enrollment. At that time, you can keep or replace any existing coverage.
Importance Of Checking With Your Network Provider
Network availability has become a major consideration that must not be ignored. Many carriers offer multiple "tiers" of coverage. Preferred tiers offer lower pricing but may not include your personal physician or specialist.
Although your policy prior to 2014 may have included all of your providers (including OBGYN), it's possible that new plans for 2015 may not include specific doctors that were previously considered "in-network." The shifting tier design helps insurers find service areas that have lower costs, and share the savings with policyholders.
We regularly fact-check all pages and allow you to apply for coverage online, by email or by fax. We take into consideration customer comments regarding company satisfaction and how efficiently and quickly claims are paid. Also, we take into consideration independent publications such as "Consumer Reports," although we find our own focused research does just as well.
Health insurance does not have to be costly. Many plans will include benefits that you will never use or you are extremely unlikely to use. Also, many times it is not worth paying thousands of extra dollars for a benefit that will only cost you a few hundred out-of-pocket dollars. We’ll identify these coverages and recommend alternatives that will reduce your premium.
No matter what part of the day (or night) you visit this website, you will be able to view live cost and benefit information. Also, if you prefer, you can contact us directly with your details and we will review your specifics and advise you how to proceed.
November 2013 - Since not all carriers are active participants in the State Marketplace, the comparison and examination of these companies has changed. For example, Aetna, Celtic and UnitedHealthcare are not writing new Exchange business. They will offer policies, but we will show them separately since they won't qualify for financial aid.
Also, although there are more similarities between policies than in previous years, it is still important to analyze all options because of the subsidy and out-of-pocket cost variables. And, a few new companies (Kaiser...aka Healthspan) must now be considered.
August 2014 - Aetna and UnitedHealthcare appear ready to take the plunge! Both carriers are expected to offer Exchange plans for 2015 effective dates. Open Enrollment begins on November 15th although it's always a good idea to start your comparison shopping at least 60 days before that date. The penalty for not securing coverage has increased to 2% of your household income.