Low Cost Ohio health insurance plans for 2015 are offered through the Marketplace. Anthem Blue Cross, UnitedHealthone, Medical Mutual, Aetna, Kaiser, HealthSpan, Ambetter and Humana feature budget-friendly policies that are extremely affordable and inexpensive. Premiums for individuals, families, the self-employed or the unemployed will be much cheaper than you realize after viewing some of the plans.
We help you apply and enroll for both on and off-Exchange policies. This means you never have to answer medical questions, take a physical or meet specific underwriting guidelines. Quality benefits are no longer impossible to obtain, and the ACA subsidy could pay most or all of your premium payments for 2015 Oh Marketplace plans.
You can get a policy today with many companies, regardless if you have previous coverage or if prior benefits have lapsed. During the official Open Enrollment election periods, there are no pre-existing condition exclusions and previously unavailable benefits, such as mental illness and maternity, are included on all Metal plans.
The best health insurance often contains coverages found in more expensive policies. While catastrophic expenses are usually covered, additional benefits such as office visits, prescriptions, preventative exams and lab/X-ray costs are also sometimes included. Most preventive benefits are now covered at 100% with no waiting period.
Recent Affordable Care Act Changes
Recent healthcare reform changes mandated the preventive benefits coverage along with many additional items including the elimination of lifetime caps on benefits paid. These extra benefits also apply to high-deductible policies and most other contracts. Only short-term, critical illness, limited-benefit, and other unapproved policies do not contain these new requirements.
Additional "essential benefits" automatically began to be included on all policies (beginning in 2014) as part of new laws issued by the Department of Health And Human Services. Maternity and mental illness are two provisions that are covered along with many others. Previously, comprehensive contracts excluded many of these services or placed a waiting period and/or extra deductible on benefits.
Our "Get Free Quotes" box at the top of this page, allows you to view and compare all of the available Ohio health insurance plans at the lowest available rates. Also, listed below are some budget-oriented choices with surprisingly comprehensive benefits.
Market Young Adult Essentials (Medical Mutual) - Since this policy is offered in the "catastrophic" Metal tier, unless you're under 30 or can qualify for a financial hardship exception, it is not available. The plan is ideal for students, professionals or young persons that seek the lowest available premium, and are willing to accept a larger ($6,600) deductible.
A $40 copay for office visits (first three) bypasses the deductible and large negotiated provider discounts help offset the cost of additional non-preventive visits. An optional dental and vision rider is also offered.
Individual Value (SummaCare) - If you live in Northeastern Ohio, this policy is a another cheap catastrophic option. The deductible of $6,350 is high, although once it has been met, 100% of your expenses are covered without additional coinsurance. The first three non-preventive visits are also covered at 100% instead of having to pay a copay.
Just4Me Bronze (CareSource) - Since this is a "Bronze" tier plan, all applicants are eligible. So who is CareSource? Headquartered in Dayton, like Medical Mutual, they're a non-profit managed-care company that's been around for more than 25 years. This plan has a high $6,600 deductible and is most attractive in Montgomery County and the surrounding area.
Essential Care 2 (Ambetter) - The $5,000 deductible is attractive for a Bronze plan. This HMO is a popular option from one of the newer carriers in the Marketplace. Buckeye Community Health is the parent company and offers many inexpensive options in this tier. Vision and dental for adults can be added to all Ambetter contracts
Essential Care 3 (Ambetter) Similar to "Care 2" plan but slightly more expensive $6,000 instead of $5,000) and three PCP visits are added that are not subject to a deductible. For families with colds and viruses each year, this policy may be a better fit.
Pathway X PPO 6000/0% HSA (Anthem) - Anthem's most affordable Health Savings Account plan in the Bronze tier. 100% coverage after deductible (no coinsurance). Tax-deductions plus use of Anthem's negotiated Pathway network discounts.
Silver Policies (Note: Silver tier plans are the only options that allow you to drastically reduce the deductible through "cost-sharing." If your household income qualifies, you can easily save thousands of dollars on a major claim, and hundreds of dollars on office visits. Yes...It's a bit like getting money handed to you through your TV!)
Silver 4600 HMOx (Humana) - $4,600 deductible and eligible for cost-sharing reductions (only in Silver tier). Humana's Ohio network is very large.
HealthSpanOne 1500-70 (HealthSpan) - Low $1,500 deductible HMO plan with 30% coinsurance. Very popular in Dayton/Cincinnati areas.
Pathway X PPO 3500/25% (Anthem) - One of Anthem's cheapest Silver contracts. $3500 deductible coupled with 25% coinsurance.
HealthSpanOne 1000-80 (HealthSpan) - $1,000 deductible and one of the cheapest available "Gold" options.
HealthSpanOne 250-70 (HealthSpan) - If you want a low deductible, here it is! Only $250, although coinsurance is 30% and maximum out-of-pocket expense is higher than many other plans in this tier.
Pathway X PPO 1250/10% (Anthem) - Low deductible and one of Anthem BC's most comprehensive plans.
Secure Care 2 (Ambetter) - $500 deductible, although this policy is not available in all counties.
Aultcare 1250 90 G (Aultcare) - $1,250 deductible from this very service-oriented company. Also not available in all areas of the state.
Although many of these low cost policies should always be considered when evaluating affordable options, there are hundreds of additional policies offered by the major carriers, and some may be the best choice for you. That’s where we can help. We’ll research all available plans…not just a few. And if your need is temporary, we'll consider a "short-term" contract, which allows you to get coverage the next day, and keep for a month, or sometimes as long as 12 months.
Please don't hesitate to call or contact us with questions. We know Ohio plans better than anybody since we are located here and have 30 years of experience providing help to thousands of clients. And of course...you never pay any fees.