Springfield Ohio health insurance rates are extremely affordable. Rates in Clark County and other surrounding counties are among the lowest in the state. Many major health insurance companies use zip codes when determining  the premium to charge the consumer. Residents in the 455 zip code often receive very affordable rates.

Anthem Blue Cross, United HealthCare, Aetna, Medical Mutual and many other major companies charge lower rates in the Springfield area than most other areas. Compared to Northern Ohio, Springfield rates can be 30% lower for the same coverage. Physician and hospital charges are often very competitive in the Clark County area, and those help reduce health insurance rates.

For example, a 40-year old healthy male can purchase a catastrophic policy from UnitedHealthOne for only $46 per month. A comprehensive plan, including major medical, office visit and prescription coverages, will cost only $76 per month (United HealthOne's Copay Select plan or Anthem's SmartSense Generic RX plan). Naturally, Ohio health insurance policies are subject to underwriting, which could affect rates.

Also enjoying low Ohio rates are the Columbus and Dayton areas. Historically, Ohio’s lowest health insurance rates have been in the Central and Southwestern portion of the state. Cincinnati area rates are also very affordable when compared to most other parts of the state.