Low cost individual Hamilton County (Ohio) health insurance plans can be viewed and purchased online. We help you find the most competitive rates for the most popular policies. Many single and family policies offered by the major Cincinnati area insurers, such as Ambetter (Buckeye Health Plan), Anthem Blue Cross Blue Shield, CareSource, Humana, Medical Mutual, and Molina. Typically, southwestern Ohio prices are among the lowest available in the Buckeye State.
Additional companies provide coverage for Medicare-eligible Seniors. Medicare Supplement, Advantage, and Part D drug prescription plans are offered by many companies that don’t participate in the Under-65 Marketplace. Several of the larger carriers include AARP (UnitedHealthcare), Aetna, MediGold, Gateway, Cigna, Mutual Of Omaha, USAA, United American, and Gerber.
When purchasing Ohio health care coverage , it is extremely important to work with an experienced broker located in the area. Many online websites are not familiar with Cincinnati plans because they are not located in Ohio. Also, it is likely that many of the out-of-state websites will request financial information (we do not). And unless you enjoy irritating phone calls and emails, it may not be a pleasant experience. We are located just North of Kings Island, so we closely watch and monitor rates and specific details that may be changing.
Cincinnati Health Insurance Plans
Area counties that feature very competitive rates include Hamilton (of course), Warren, Clermont, Clinton, Highland, Brown, Butler, and Adams. Although Montgomery, Miami, Preble, and Greene counties are located closer to the Dayton area, they also feature very attractive prices. Typically, insurers utilize the same network for both metropolitan areas. Northern Kentucky residents much purchase plans approved by their state’s Department of Insurance.
Cincinnati individual policies are quite affordable when compared with other parts of the state. Molina and CareSource offer comprehensive plans that are usually very competitively priced, if you feel office visit and prescriptions coverages are important to have. Ambetter’s Balanced Care 2 and Balanced Care 1 individual plans offer comprehensive coverage at extremely attractive rates. But in Hamilton County, Medical Mutual must always be considered. Their HSA and high-deductible options are often the least expensive plans when considering “name” carriers.
Prices substantially reduce when you consider plans that limit the number of covered office visits, and/or place deductibles on specialist visits and non-generic prescriptions. Although out-of-pocket costs are higher, the lower premium helps offset some of the extra expenses. Several available plans are: Molina Marketplace Bronze, CareSource Federal Simple Choice Bronze, MedMutual HMO 7150, Anthem Bronze Pathway X HMO 7150, and Anthem Bronze Pathway X HMO 5000.
Low cost individual Health Savings Accounts (HSAs) have also grown in popularity in recent years. An HSA provides the opportunity to tax-deduct a portion of your medical expenses, and also provide 100% coverage after a deductible has been met. If all deposits are not used when you reach age 65 and are eligible for Medicare, funds can be utilized for other qualified expenses. Several available HSAs include MedMutual Market HMO 6400 HSA, MedMutual Market HMO 4000 HSA, and Anthem Bronze Pathway X HMO 0 For HSA.
Private individual health insurance is available in Hamilton County and most parts of the state. We provides unbiased advice and information for consumers. The quotes you view on our website are free and our responsibility is to find the policies that best meet your specific needs. We take our job seriously and have more than 37 years of experience in the Cincinnati market.