Ohio individual health insurance plans are available at extremely affordable rates. Most major Ohio health insurance companies offer a large selection of plans to meet the ever-changing needs of consumers. Whether you're an individual, family, student, 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. The rates you view on this website are guaranteed to be the lowest available rates allowed by law.
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 individual or group coverage, the pre-existing condition clause may be waived. Recent health reform changes could possibly effect the rate you pay, especially in 2014. We'll be happy to review those changes with you, and discuss what specific steps should be taken to maximise your savings.
The three types of Ohio individual health insurance are “comprehensive,” “catastrophic,” and Health Savings Accounts (HSAs).” Most of the major health insurers provide all three types of coverage with multiple deductible options. Higher deductibles can substantially reduce rates.If there are no existing major health issues, most companies will allow you to change from one type of coverage to another (subject to specific company guidelines).
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. Occasionally, preventive benefits will be included that may not be subject to a deductible. When a "Network" provider is used, out-of-pocket costs are often discounted. Ideally, this type of individual plan is appropriate when you are willing to pay the smaller and routine medical expenses and can easily afford out-of-pocket expenses of $2,500 or more.
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 capping the dollar amount of covered prescriptions per year. In 2014, health reform legislation may eliminate the practice of capping prescription coverage. We will keep you updated on any changes.
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. Preventive benefits are typically not subject to a deductible and other covered health care expenses receive a negotiated "repricing" discount.
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 any time.
