Affordable Ohio Health Insurance Plans

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Affordable Toledo health insurance can be purchased directly from our website. We represent all primary Ohio carriers and help you instantly compare online quotes and apply for the best options. If you need business, individual, or family medical coverage in Lucas county or the surrounding area, we find the best solutions at rates you can afford. Senior medical benefits are available for persons that have reached age 65 and are eligible for Medicare.

Rates in the Toledo area are often lower than other parts of Ohio, such as Cleveland, Canton, or Akron. Possible reasons are more competitive physician charges, lower facility and hospital semi-private room charges, and favorable medical malpractice premiums.

For the last 10 years, the lowest rates have been traditionally in the Columbus and Dayton areas, although the gap is getting smaller. When Marketplace coverage became available five years ago, subsidized plans helped reduce premiums and added many comprehensive benefits, including maternity, mental illness, and pediatric dental. And of course, no applicant could be denied for pre-existing conditions. Under President Trump's Administration, pre-existing conditions continue to be covered.  

Affordable Toledo Ohio health insurance rates from Ohioquotes.com. Quickly find good coverage at great rates.

Get Personalized Quotes That Match Your Specific Needs

We also help you customize your coverage by listening to what you feel is most important, and then finding the policies that best fit your situation. By increasing your deductible, often, the premium reduces by hundreds of dollars per year. Also, by raising office visit copays, or selecting plans that offer steep network discounts, rates can substantially reduce.

We will show you the differences between Bronze-tier and Silver-tier contracts, the most popular under-65 plan options. By selecting the most appropriate policy, you may be able to slash your potential out-of-pocket maximum limits by thousands of dollars, and avoid paying a deductible on most office visits and prescriptions.

 

Current Health Insurance Rates In Toledo (Lucas County)

 

Single Applicant (age 30) with household income of $23,000.

$60 - CareSource Marketplace Bronze - $35 pcp office visit copay with $7,400 deductible. $35 copay for generic drugs ($75 for mail order).

$63 - Medical Mutual Market HMO 7900 - $50 pcp office visit copay for first three visits. $7,900 deductible with 0% coinsurance.

$73 - Medical Mutual Market HMO 6750 HSA - HSA-eligible plan with $6,750 deductible and 0% coinsurance.

$77 - CareSource Marketplace HSA Eligible Bronze - HSA-eligible plan with $5,200 deductible and 50% coinsurance.

$79 - Paramount Bronze 1 HSA - HSA-eligible plan with $6,750 deductible and 0% coinsurance.

 

Married couple (Both age 50) with household income of $40,000.

$94 - CareSource Marketplace Bronze - $35 pcp office visit copay with $7,400 deductible. $35 copay for generic drugs ($75 for mail order).

$103 - Medical Mutual Market HMO 7900 - $50 pcp office visit copay for first three visits. $7,900 deductible with 0% coinsurance.

$137 - Medical Mutual Market HMO 6750 HSA - HSA-eligible plan with $6,750 deductible and 0% coinsurance.

$148 - CareSource Marketplace HSA Eligible Bronze - HSA-eligible plan with $5,200 deductible and 50% coinsurance.

$153 - Paramount Bronze 1 HSA - HSA-eligible plan with $6,750 deductible and 0% coinsurance.

 

Married couple (Both age 55) with household income of $50,000.

$191 - CareSource Marketplace Bronze - $35 pcp office visit copay with $7,400 deductible. $35 copay for generic drugs ($75 for mail order).

$203 - Medical Mutual Market HMO 7900 - $50 pcp office visit copay for first three visits. $7,900 deductible with 0% coinsurance.

$245 - Medical Mutual Market HMO 6750 HSA - HSA-eligible plan with $6,750 deductible and 0% coinsurance.

$258 - CareSource Marketplace HSA Eligible Bronze - HSA-eligible plan with $5,200 deductible and 50% coinsurance.

$265 - Paramount Bronze 1 HSA - HSA-eligible plan with $6,750 deductible and 0% coinsurance.

Zip codes used for rates above are 43460, 43537, 43601, 43603, 43604, 43605, 43606, 43607, 43608, 43609, 43610, 43611, 43612, 43613, 43614, 43615, 43620, 43623, 43635, 43652, 43654, 43656, 43657, 43659, 43660, 43661, 43666, 43667, 43681, 43682, 43697, and 43699.

 

 

HSA Choices (See Above)

Health Savings Accounts (More Information Here) are a very popular option in the Toledo area. They provide catastrophic and preventative coverage, along with varying degrees of office visit and prescription coverage. Premiums often are 25% less than comprehensive copay policies. Oscar, Medical Mutual, and CareSource, and Paramount currently offer the most competitive rates.

Current available HSA Exchange plans are Medical Mutual Market HMO 6750 HSA, CareSource Marketplace HSA Eligible Bronze, Paramount Bronze 1 HSA, Medical Mutual Market HMO 6750 HSA, Medical Mutual Market HMO 5250 HSA, and Medical Mutual Market HMO 4000 HSA. (MedMutual offers Mercy and ProMedica plans)

 

Senior Medicare Supplement Monthly Rates (Lucas County 65-Year-Old Male)

$33 - Plan F (HD) Thrivent

$34 - Plan F (HD) United American

$47 - Plan F (HD) Americo

$49 - Plan F (HD) Medico

$50 - Plan F (HD) Cigna

$73 - Plan A AARP-UnitedHealthcare

$94 - Plan A Humana

$99 - Plan N AARP-UnitedHealthcare

$104 - Plan N Americo

$104 - Plan N Aetna

$112 - Plan B AARP-UnitedHealthcare

$113 - Plan A Transamerica

$115 - Plan A CSI Life 

 

Medicare Advantage Plans (Lucas County)

AARP MedicareComplete Plan 8 - $0 per month premium and $225 deductible. $3 and $12 generic and preferred brand copays. Primary and specialist office visit copays are $10 and $45. Inpatient and outpatient hospital copays are $340 for 5 days and $340.

Aetna Medicare Select - $0 per month premium and $95 deductible. $2 and $5 generic and preferred brand copays. Primary and specialist office visit copays are $5 and $35. Inpatient and outpatient hospital copays are $350 for 4 days and $35-$250.

 

Additional Notes:

ProMedica, a large hospital group in the Toledo area, is now part of the Innovation Alliance Network, which is affiliated with the prestigious Cleveland Clinic. Because of this change, it's possible that several new employment opportunities may be created in the local area.

By working together and combining their expertise, more efficient medical care can be provided at a lower cost. The new Network also includes Ohio Stare and Notre Dame Universities along with MedStar Health. Other hospitals in the area include the University Medical Center, Mercy, and Children's Hospital.