Affordable Toledo health insurance can be purchased directly from our website. We represent all of the 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.
Rates in the Toledo area are often lower than other parts of Ohio, such as Cleveland or Akron. Possible reasons are more competitive physician charges, lower facility and hospital semi-private room charges and favorable medical malpractice premiums. And perhaps, residents are just healthier!
For the last 10 years, the lowest rates have been traditionally been in the Columbus and Dayton areas, although the gap is getting smaller. When Marketplace coverage became available in 2014, 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.
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 copays on office visits 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. By selecting the most appropriate option, you may be able to slash your potential out-of-pocket maximum limits by thousands of dollars, and also avoid paying a deductible on most office visits and prescriptions.
Current 2015/2016 Health Insurance Rates In Toledo
Our example is based on a married couple (Both age 50) living in Lucas County. Their household income is approximately $40,000, which provides a federal subsidy of $401 per month that has been already applied to the premium. Rates shown below are monthly from popular selected plans:
$133 - Ambetter Essential Care 1 - $6,500 deductible.
$140 - Ambetter Essential Care 3 - $5,000 deductible.
$160 - HealthSpan HSA - $6,000 deductible.
$210 - HealthSpan Bronze 5000-80 - $25 copay on primary care physician (pcp) visits and $15 copay for generic drugs.
$257 - Aetna Bronze $20 Copay - $20 pcp copay with $15 copay on generic drugs.
$292 - HealthSpan Silver $1500-70 HSA - $1,500 deductible and HSA-eligible.
$318 - Molina Marketplace Bronze - Copays for both pcp and specialist visits ($25 and $75).
$323 - Medical Mutual Market HSA 4000 - HSA-eligible.
$375 - Paramount Silver 1 - Low $1,900 deductible with copays.
$421 - HealthSpan Gold 1000-80 - Low $1,000 deductible with $10 copay on pcp visits.
Health Savings Accounts (More Information Here) are also 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. HealthSpan, Medical Mutual, and Aetna currently offer the most competitive rates.
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. As a result of this change, it's possible that several new employment opportunities may be created in the local area.
June 2014 - 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 are include the University Medical Center, Mercy, and Children's Hospital.