Affordable Ohio Health Insurance Plans

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How Safe Is Your Ohio Insurance Policy?

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Are you concerned about the safety of your insurance here in Ohio? Should you be concerned? Probably. You pay (and sometimes invest) a lot of money throughout your lifetime on insurance coverage so you deserve to know where the money is going.

A $170 billion federal bailout is the only thing keeping insurance heavyweight AIG afloat. And many other companies are losing millions of dollars every quarter. Insurance companies invest heavily in the stock market and real-estate market…which have generated massive losses in the last 12 months.

But…don’t worry. Your policy is quite safe! The Ohio Life and Health Insurance Guaranty Association was created to protect policyholders, up to specific limits, against financial failure of an insurance company licensed to sell those types of policies in the state.

You can read more about this Association here.

A few additional points to consider:

·        Health Maintenance Organizations (HMOs) are not included

·        Policies sold by insurers not licensed to do business in Ohio are not included.

·        The Guarantee Association can provide this coverage because it collects money, through assessments from insurance carriers here in the Buckeye state.

·        The Ohio Department of Insurance regulates the Association.

Many consumers are worried about the impact of “The Affordable Care Act” on their personal and business health insurance policies. Although rates are expected to rise when the Ohio Healthcare Exchange is fully functioning in 2014, you can help protect yourself by staying informed and applying for the right plan.

Safest Insurance Companies Ohio

We Research Ohio Insurers

An experienced and reliable website (like ours) will guide you through the process of evaluating, comparing and purchasing a plan, so you can be certain your coverage is with a safe carrier. There are plenty of questionable policies that have low ratings or are simply not rated at all.

When purchasing a policy, make certain the carrier is an “A” rated company and licensed to do business in Ohio. We can always research and verify the background of any company. If you have any questions regarding the safety of any company, please contact us.

Where Should You Buy Your Ohio Health Insurance?

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Evidently, you know where to buy your Ohio health insurance, because you’re here! is the consumer favorite for affordable medical coverage in the Buckeye state. If you don’t currently have insurance, or you need to find a lower price, you have come to the right place.  But there are hundreds…perhaps thousands of websites that will provide rates.

So…what makes this website so special? Let’s start with the plans that are presented to you. Only quality companies are considered. You know…the reputable ones, such as Anthem Blue Cross, Aetna, UnitedHealthCare, Medical Mutual, Celtic and Humana. You’ll never find any type of “discount plan” or any carrier that I wouldn’t use for my own coverage.

Comparing  plans can be very confusing. But we try to simplify the process for you. Side-by-side comparisons allow you to select the coverages that you need and choose the best fit. And if you apply for coverage, you’ll get plenty of help. Your short application can be completed online, via fax or by mail. And a live person is generally available to assist you. We actually answer emails past midnight!

Keeping the same doctors (if you change policies) is important. We will check all PPO, HMO and Point-Of-Service networks to find your physicians so you know which carriers will allow you to use the same providers.Sometimes, regional companies, such as Kaiser and SummaCare may not have strong representation in all areas of the state.

Find Where To Buy Healthcare In Ohio

When Changing Plans, We’ll Check Your Provider Network

Purchasing a policy is not quite the same as it was a few years ago. As a result of The Affordable Care Act (Obamacare), beginning in 2014, the number of available companies and plans will drastically reduce. Instead of choosing among “Value,” “Copay” and “Premier” types of policies, you’ll pick a Bronze, Silver, Gold or Platinum option.

Of course, we will be your trusted resource for explaining differences in these “Medal” plans, explaining your federal tax subsidy (and how much it will reduce your cost) and reviewing and recommending the best options for you, and the easiest way to apply for coverage.

Should you keep your existing plan or replace it with one  of the new guaranteed-approval Medal plans? It depends on many variables, including your income, risk-tolerance, age and number of dependents you have. There will also be affordable contracts that will be offered outside of the “Marketplace.” Still state and federally approved, these may be big money-savers.

But what about the rates? Are they truly the lowest available prices? You betcha! And that’s a guarantee. Premiums are regulated by the Department of Insurance. So, you won’t find better offers. And we’ll take the extra time to make sure the plan you purchase is the right fit. You’ll be able to use the coverages that are important to you, and avoid paying for items that you don’t need and would never use.

With 30 years of experience, we have helped thousands of customers. When you buy Ohio medical coverage,  whether it’s an online link we provide or by fax or email, we research your options like no other website or broker. We understand each plan and will simplify the application process and get you covered as quickly as possible. And of course, when you request a comparison at the top of the page, the quote is free!

Ohio Health Insurance Plan Review

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Get the most recent unbiased reviews of Ohio health insurance plans available to consumers. Coverages range from high-deductible catastrophic plans to comprehensive policies with small out-of-pocket expenses. Health Savings Accounts (HSAs) are also available and growing in popularity.

And The newly-created Exchanges will bring four new metal plans to consumers- Bronze, Silver, Gold and Platinum. Your premium could be impacted by an immediate rebate if your income falls within the specified guidelines. Yes, there are a lot of policy options here in the Buckeye state.


We review popular Ohio policies each month. This month, all four selected plans are readily available, easily underwritten, and quite affordable. They’ll likely meet your budget and be much less expensive than most other options.

How To Get The Best Anthem Ohio Plans

Find The Cheapest Medical Plans In Ohio


Anthem Value Plan Two office visits per person (per year) are included, subject to a $30 copay. Brand-name formulary and and Generic non-formulary prescription are included. Like many Ohio health insurance plans, some preventative care and diagnostic services are included. And a generous $5 million lifetime limit is also built into the policy.


UnitedHealthCare Copay Saver Plan  One of many Ohio health insurance plans offered by UnitedHealthCare. A $35 copay applies to the two allowed office visits per person per year (including wellness). Generic prescriptions are subject to a $15 copay while non-generic prescriptions are not covered. The lifetime limit is $3 million and maternity coverage can be added as a rider.


Aetna Preventative And Hospital Care 3000  Perhaps Aetna’s most affordable Ohio health insurance plan, this policy is HSA compatible. The principal feature of the policy is the outstanding preventative care coverage. Annual routine GYN exams, routine physicals, and Paps/Mammograms are not subject to a deductible. A $1 million lifetime limit is included.

UnitedHealthCare Saver 80 Plan One of the least expensive Ohio health insurance plans, this plan is designed to cover catastrophic claims. Major medical and emergency room charges are covered, along with most routine hospital expenses. Office visits are not covered, although a drug prescription discount card in included. $3 million of lifetime limit coverage per person is included in each policy.

Affordable Ohio health insurance plans are available, and often can be approved in less than a week. The application process is simple and physicals are rarely required.


UPDATE: August 2011. It’s hard to believe it’s been two years since I wrote this short post. Many plans have changed. The Anthem Value plan has been replaced by the “SmartSense” plan. You can easily view Anthem Ohio Rates on our website.

Also, The UnitedHealthCare Copay Saver plan is now referred to as the Copay Value plan. The rates are still very attractive.

Lifetime caps have also been eliminated on all plans.

UPDATE: July 2013. Many additional changes have occurred. There is no longer an annual or lifetime cap on the amount of money an insurer will pay for a covered claim. Also, the number of available policies that will be offered to residents in the state will reduce when the first Exchange Open Enrollment takes place in October (runs to end of February). When getting a quote from our website, all of these changes will be reflected in the plans you view.



What Do You Do If You Lose Your Job?

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If you live in Ohio and have recently lost your job…you’re not alone. The state has lost more than 260,000 jobs since 2000, about 5 percent of all jobs. The hardest hit areas have been Trumbull County, losing 20.5 percent of its jobs, and Montgomery County, losing 14.1% of its jobs.

President Barack Obama’s health care ideas are now facing delay, when Tom Daschle, who was chosen to head the initiative, suddenly withdrew his nomination for the health secretary position. Health care reform has taken a back seat to more important matters…such as the failing economy and helping auto manufacturers and some financial institutions.

If you find yourself out of a job, between jobs, or your employer is reducing your hours, your health insurance may be affected.  In many cases, your current coverage extends for a few months (or less), and then the search for an affordable individual medical plan begins. But there are many affordable options, including those persons with serious health conditions.

Cobra is one option. Under this program, workers laid off from companies with 20 or more employees can extend their employee-provided health insurance for 18 months. Of course…premiums are often extremely expensive. And with the current recession and no end in sight, Cobra’s premiums are not a viable health insurance option for many Ohioians.

However, if you have no significant medical issues, such as cancer, diabetes or heart disease, you may qualify for an individual  policy. The application process is simple and physicals are rarely required. The most popular Ohio companies are Anthem Blue Cross, UnitedHealthCare, Medical Mutual, Humana and Aetna. Kaiser and SummaCare are great options in the Northern portion of the state.

No job and bo work get health insurance

Get Affordable Ohio Healthcare When Not Working

For example, in Franklin County, a nonsmoking family of four (Parents-Age 40 & Children-Ages 8 & 10), with no medical issues, can buy a “catastrophic health” plan for about $140 per month. A “comprehensive” plan, which offers many more coverages, would cost between $250 and $330 per month, depending on the major medical deductible.

Naturally, prices will be substantially less if only one person is insured. Also, existing medical conditions can raise the rate. With your own policy, your coverage is portable, so you may keep the policy as long as you want. Also…with individual coverage, unlike group coverage, your rate is not affected by a large amount of unhealthy persons in the group.

The Office Of Unemployment Compensation can also assist you with other matters besides your medical benefits. They will help you find a job, estimate your unemployment compensation, discuss eligibility requirements and many other helpful topics. offers free quote comparisons and you never pay any fees for using our website. Feel free to contact us or use the quote engine which gives you instant rates. 

UPDATE: September 2013. A lot has changed since the original article was written in 2009. However, unemployment in Ohio is still a problem. And so is underemployment, where workers often accept positions in which they are vastly overqualified for.

However, a big positive change is that regardless of your health status, you will be able to find quality benefits if you lose your job. And since a federal tax subsidy is now based on your individual or family income, you’ll probably pay much less for a policy now, compared to prices in 2009. If you fall under 400% of the “Federal Poverty Level,” you are entitled to financial aid.

Which Ohio Health Insurance Companies Are In The Marketplace?

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There are many Ohio health insurance companies that offer individual and family coverage to consumers . Anthem Blue Cross, UnitedHealthCare, Medical Mutual, and Aetna are the four largest carriers. But there are numerous other reputable carriers that offer Marketplace medical coverage on the Exchange. And you don’t have to answer any medical questions and you can’t be turned down because of pre-existing conditions.

However, although Medical Mutual and Anthem will be active participants “on” the Marketplace,” UnitedHealthcare (Golden Rule) and Aetna will only offer policies “away” from the Exchange. That is, they will offer plans that may not contain all 10 “essential health benefits” that Exchange plans have. Of course, the price may be quite a bit less than the other options.

CareSource and HealthSpan are two carriers that will be offering policies to consumers. Molina  and Ambetter will also offer coverage in certain areas. Ambetter (Buckeye Community Health Plan) will offer vision and adult dental options which should be reasonably priced.

The names of the policies have evolved and changed over the last 10 years. “Saver” and “Limited” descriptions are rarely used any more since there are now a myriad of required benefits that must be included on every plan sold on the Exchange.

To help you select the most affordable plan, a comprehensive list of the major providers is shown below:

Anthem Blue Cross is the largest Ohio health insurance company, providing coverage to almost one out of every four insureds. A wide variety of plans are available, including “Blue Access Plan 2,” Anthem’s most comprehensive policy. The “Value” plans offer substantial discounts in exchange for limitations of office visit and prescription coverage. Of course, these plan names, as previously mentioned, will change.

UPDATE: In March of 2009, Anthem introduced three new  plans. The “Premier” plan is a comprehensive policy featuring lower out-of-pocket costs. The “SmartSense” plan is a comprehensive plan with some limitations in benefits. And the “Lumenos HSA” plan ha some new features.

Medical Mutual of Ohio (MMO) is one of the oldest carriers. Recently, they expanded their plan portfolio to include some lower-cost plans. Their smoker rates are very competitive, and MMO’s Health Savings Account (HSA) policies (Wellness plans) feature some of the best rates in the state. Their 0% coinsurance plan is very popular. More Medical Mutual information can be found here.

UnitedHealthCare (UHC) offers a broad range of polices at extremely competitive rates. After purchasing Golden Rule Insurance company a few years ago, UHC’s market share substantially increased. Rates are based on zip codes, as opposed to the more common county-rating system. At the very high BMI (Body Mass Index) ratings, UnitedHealthcare is not as forgiving as most other companies. One of UHC’s strong points is their large portfolio of options including multiple coinsurance and copay choices.

Celtic has excellent temporary plans that are typically the lowest (or close to the lowest) cost. Their “Basic” plan has limited coverage but is very low-priced. However, in 2013, they announced they were downsizing their portfolio and would be concentrating on Medicaid-supplement policies.

Kaiser offers medical coverage to residents of Northern Ohio. Residents in the Columbus, Dayton and Cincinnati areas will not be able to obtain a policy since they are not in the service area. Catholic Health Systems (CHS) purchased Kaiser’s  business in the Buckeye state in 2013 and will utilize the Healthspan Integrated Care network of providers. CHS also purchased the Summacare business in the state.

Humana is not always the lowest-cost option, but offers comprehensive plans with solid coverages. They are one of the few companies to offer maternity coverage, and have a very popular policy They limit the number of covered doctor visits but the rate is attractive.(Autograph Share 80 plan) that allows six office visits and is competitively priced. Their “short-term” rates are excellent and you’ll see them featured on our website.

Aetna began offering individual plans in 2005. Since that time, they have added many new plans, including the low-cost “Preventative and Hospital Care” policy. Overall, Aetna’s prices are extremely competitive. Their “Value” plans have become more popular in recent years.

They will not be participating in the Marketplace or Open Enrollment in 2014. However, they will offer “off-Exchange” policies that may be popular to persons that don’t qualify for the federal subsidy from Obamacare.

Time (formerly Fortis) Company, offers more policy options than almost every other carrier. But, unfortunately, their rates in Ohio are extremely uncompetitive, and they also receive an unusually high number of consumer complaints.

UPDATE: May 2011. Time (also known as “Assurant”) has reduced the number of consumer complaints. They are the only carrier in the state that offers “child only” policies, although after 2013, all carriers will offer that type of plan. Assurant will be very active in the non-Exchange market.

UPDATE: October 4th 2013. Additional options will be available on the State Marketplace ,including Molina, Coventry (HealthAmerica), Medical Health and CareSource Management Group. Aetna and UnitedHealthcare will offer plans that are not officially on the Exchange.