Ohio individual health insurance plans are available at extremely affordable rates. Most major Ohio health insurance companies offer a large selection of individual plans to meet the ever-changing needs of consumers. Whether you're self-employed, between jobs, an early retiree or uninsured, we'll find the right Ohio individual health insurance plan for you. And unlike many other online health insurance sites, we're located in Ohio (Springboro) and are recognized as the premier resource for affordable Ohio individual health insurance.
In Ohio, UnitedHealthOne, Anthem Blue Cross, Aetna, Humana and Medical Mutual offer the most competitive rates. Individual policies are medically underwritten, so pre-existing medical conditions can sometimes increase the rate. However, in most cases, these conditions will not cause a denial of coverage. And if you have prior credible coverage, the pre-existing condition clause may be waived.
The three types of Ohio individual health insurance are “comprehensive,” “catastrophic,” and Health Savings Accounts (HSAs).”
Catastrophic plans generally cover only the major medical expenses, and rates tend to be very low. Sometimes referred to as a "High Deducible Health Plan," out of pocket expenses tend to be higher, with limitations on office visit and prescription coverages. In some cases, preventive benefits are included.
Comprehensive plans add office visit and prescription coverages, and tend to be the most expensive plans. But raising the deductible on the major medical items can keep the premium quite affordable. Some Ohio individual health insurance plans will offer a reduced rate, by limiting the number of covered office visits. Another available option to reduce premiums is limiting the type of prescriptions that are covered or the dollar amount of covered prescriptions per year.
HSAs, a popular Ohio individual health insurance plan, are most effective when major medical and preventative coverages are a priority. Rates are often fairly low, and additional tax advantages help make the HSA an attractive option to consider. The amount of premium saved by purchasing the lower-premium/higher deductible policy can be deposited into an HSA account, to pay for qualified medical expenses.You control the money in the account and have complete access at all times.
Ohio individual health insurance rates are available by clicking on the "Get Instant Quote" button at the top of the page. Instantly, you can view, compare or apply for high quality plans. Your personal information will never be shared with any other person or company. And there is never any fee for our services, so feel free to call or email us as often as you like.
