Affordable Ohio Health Insurance Plans

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Springfield Ohio health insurance rates are very affordable. Prices in Clark County and other surrounding counties often cost less than group plans through employers. Many larger companies offer low-cost coverage in this part of Ohio. Whether you are single, married with children, self-employed or without coverage, we help you find the plan that fits within your budget and offers the coverage that you need.

 

Companies 

Participating carriers in the area (for 2018/2019 Marketplace coverage) include CareSource, Medical Mutual, Molina, and Ambetter. Additional companies, such as UnitedHealthcare, National General, HCC Life, and IAC Group offer temporary "off-Exchange" contracts that can be purchased before, during, and after Open Enrollment periods. SummaCare, Oscar, Paramount, and AultCare also offer plans outside of Clark County. UnitedHealthcare, Humana, Cigna and Aetna offer Group and Senior Medicare products, although they may return in 2020 to offer under-65 products, depending upon possible Administration changes.

Other nearby cities that often share the carrier provider networks include Urbana, Fairborn, Huber Heights, Trotwood, Centerville, Piqua, Englewood, Kettering, Dayton, Troy, Vandalia, Xenia, Tipp City, Riverside, and Beavercreek.

The highest availability for coverage is Bronze, Silver, and Gold contracts. Platinum and Catastrophic options are limited since most companies don't always offer these plans in all areas of the state. Nearby counties, such as Champaign, Montgomery, Greene, Madison, Fayette and Miami charge slightly different prices, and have different provider networks. Medicare Advantage and Supplement prices also differ.

 

Sample Springfield (Clark County) Monthly Rates

 

30-Year-Old With $24,000 Household Income

$35 - Medical Mutual Market HMO 7350 

$37 - CareSource Bronze

$47 - Molina Marketplace Bronze

$58 - CareSource HSA Bronze

$60 - Molina Marketplace Options Bronze

$133 - Ambetter Balanced Care 5

 

35-Year-Old Married Couple (2 Persons) With $40,000 Household Income

$69 - Medical Mutual Market HMO 7350 

$74 - CareSource Bronze

$95 - Molina Marketplace Bronze

$120 - CareSource HSA Bronze

$123 - Molina Marketplace Options Bronze

$280 - Ambetter Balanced Care 5

 

45-Year-Old Married Couple With One Child (3 Persons) With $50,000 Household Income

$36 - Medical Mutual Market HMO 7350 

$43 - CareSource Bronze

$75 - Molina Marketplace Bronze

$81 - Medical Mutual Market HMO 6400 HSA

$116 - Molina Marketplace Options Bronze

$352 - Ambetter Balanced Care 5

 


 

Springfield Ohio health insurance rates are very low. Get your free online quote at Ohioquotes.com and save!

NOTE: The prices listed above only represent a small fraction of plan options that are offered. Many other factors must be considered, such as other family members, "cost-sharing" through Silver tier plans, network availability, and anticipated cost of future medical treatment, so the proper policy can be selected.

 

Senior Medicare Plans

 

Medicare Advantage Plans - Clark County

AARP MedicareComplete Plan 6 - $255 deductible HMO with monthly rate of $0. Inpatient and outpatient hospital copays are $395 (days 1-4) and $395 per visit. Office visit copays are $10 and $45. Urgent Care and ER copays are $30-$40 and $80. 30-day preferred pharmacy copays are $3 (Tier 1), $12 (Tier 2), and $47 (Tier 3). 90-day preferred pharmacy copays are $9 (Tier 1), $36 (Tier 2), and $141 (Tier 3).

AARP MedicareComplete Plan 2 - $170 deductible HMO with monthly rate of $34. Inpatient and outpatient hospital copays are $325 (days 1-4) and $195 per visit. Office visit copays are $5 and $35. Urgent Care and ER copays are $30-$40 and $80. 30-day preferred pharmacy copays are $2 (Tier 1), $8 (Tier 2), and $45 (Tier 3). 90-day preferred pharmacy copays are $6 (Tier 1), $24 (Tier 2), and $135 (Tier 3).

Aetna Medicare Value - $150 deductible PPO with monthly rate of $0. Inpatient and outpatient hospital copays are $315 (days 1-5) and $40-$275 per visit. Office visit copays are $10 and $40. Urgent Care and ER copays are $10-$65 and $80. 30-day preferred pharmacy copays are $2 (Tier 1), $5 (Tier 2), and $42 (Tier 3). 90-day preferred pharmacy copays are $6 (Tier 1), $15 (Tier 2), and $126 (Tier 3).

Anthem MediBlue Essential - $60 deductible HMO with monthly rate of $0. Inpatient and outpatient hospital copays are $350 (days 1-5) and $0-$295 per visit. Office visit copays are $5 and $40. Urgent Care and ER copays are $35 and $80. 30-day preferred pharmacy copays are $4 (Tier 1), $15 (Tier 2), and $42 (Tier 3). 90-day preferred pharmacy copays are $12 (Tier 1), $45 (Tier 2), and $126 (Tier 3).

Buckeye Health Plan MyCare Ohio (Medicare-Medicaid) - $0 deductible with monthly rate of $0. Inpatient and outpatient hospital copays are $0. Office visit copays are $0. Urgent Care and ER copays are $0. 30-day preferred pharmacy copays are $0 (Tier 1), $0 (Tier 2), and $0 (Tier 3). 90-day preferred pharmacy copays are $0 (Tier 1), $0 (Tier 2), and $0 (Tier 3).

CareSource Advantage Zero Premium - $250 deductible HMO with monthly rate of $0. 30-day preferred pharmacy copays are $6 (Tier 1), $15 (Tier 2), and $47 (Tier 3). 90-day preferred pharmacy copays are $18 (Tier 1), $45 (Tier 2), and $141 (Tier 3).

HumanaChoice PPO - $195 deductible with monthly rate of $25. Inpatient and outpatient hospital copays are $415 (days 1-4) and $415 per visit. Office visit copays are $15 and $45. Urgent Care and ER copays are $15-$45 and $80. 30-day preferred pharmacy copays are $2 (Tier 1), $8 (Tier 2), and $47 (Tier 3). 90-day preferred pharmacy copays are $6 (Tier 1), $24 (Tier 2), and $141 (Tier 3).

MediGold Essential Care - $250 deductible with monthly rate of $0. Inpatient and outpatient hospital copays are $285 (days 1-7) and $0-$275 per visit. Office visit copays are $10 and $50. Urgent Care and ER copays are $40 and $80. 30-day preferred pharmacy copays are $2 (Tier 1), $18 (Tier 2), and $45 (Tier 3). 90-day preferred pharmacy copays are $6 (Tier 1), $54 (Tier 2), and $135 (Tier 3).

 

Springfield Regional Hospital is included in many health insurance company networks.

 

Local Hospitals And Other Facilities

With a population of about 60,000, the size of the city allows residents to choose among a wide variety of medical facilities. The Springfield Regional Medical Center is a full-service hospital that provides emergency services 24 hours per day. Ohio Valley Surgical Hospital is also available and serves Clark and Champaign counties. The City Hospital, that was located on High Street, stopped serving patients seven years ago. The structure was eventually demolished in 2012.

Other area hospitals include Mercy Health Regional Medical Center (Springfield), Mercy Health (Urbana), Wright Patterson Medical Center (Fairborn), Greene Memorial (Xenia), Soin Medical Center (Beavercreek), Madison Health (London), Children's Hospital (Dayton), Grandview Medical Center (Dayton), Miami Valley Hospital (Dayton), Kettering Medical Center (Kettering), Sycamore Medical Center (Miamisburg), and Upper Valley Medical Center (Troy).

 

Nearby Areas

 

Also enjoying low rates are the Columbus and Dayton areas. Historically, the lowest health insurance rates have been in the Central and Southwestern portion of the state. Cincinnati area prices are also very affordable when compared to most other parts of the state. Nearby Warren and Clermont counties still have very inexpensive rates, especially in Springboro, Middletown and Loveland. Franklin, Carlisle and other communities around West Chester also have very competitive rates.