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Posts Tagged ‘Ohio Health Insurance Quote’

2008 Premiums…Going Up

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Escalating health insurance premiums for Ohio workers have outstripped pay increases since 2000, growing at a rate nearly nine times as fast as wages. Whether it’s an office visit, outpatient surgery or a simple preventive physical or OBGYN visit, more than likely, your pocketbook is lighter than before.

 

The average cost to workers for a family insurance plan grew more than 80 percent from 2000 to 2007. Wages during the same time rose just 8.9 percent, according to a study by Families USA. The nonprofit national health advocacy organization analyzed data from the U.S. Census Bureau, the U.S. Department of Labor and the U.S. Department of Health and Human Services for the study. Normal inflationary factors were considered in the research.

 

Good News

 

The good news, is that private healthcare costs in Ohio, when compared to other states, are still low. Of course, there are still many  residents without medical coverage. A solid majority of Ohioans feel so strongly that all Americans should have health care that they are willing to experience some pain themselves — in the wallet. Fifty-six percent in a Columbus Dispatch Poll say expanded health care accompanied by higher taxes is preferable to lower taxes with fewer people covered.

  

Of course, sometimes when legislation is proposed that actually increases taxes to help pay medical coverage for persons not presently covered, it typically does not pass on the state level. It would take a federal mandate (which must be passed) to provide millions of persons benefits that they can not afford to purchase. Or, in some situations, they choose to spend their money on other items!

 

Healthcare Spending 

 

At an estimated $2.4 trillion this year, costs of the U.S. healthcare industry have doubled in the last decade, increasing scrutiny and demands for efficiency in both the private and public sectors. Total spending  could increase from 16 percent of the gross domestic product last year to a quarter in 2025 — and nearly a half by 2082, predicts the Congressional Budget Office. Unless the cost curve is slowed…and eventually reversed, the country won’t be able to sustain this growth.

Compare Ohio Health Insurance Quotes – Single And Family

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Health insurance rates in Ohio as low as $10 per month? How can Oh private healthcare coverage be so cheap for individuals and families? When the Affordable Care Act legislation was passed, and Marketplace plans became available with federal subsidies, prices for many Buckeye residents plummeted. We provide online free quotes from the top companies, so you can easily view these policies, and enroll in less than 15 minutes.

If you forgot to enroll in health insurance, you still may be eligible for subsidized policies or another type of medical coverage that will provide major medical benefits through the end of the year and the beginning of the next OE period.

If you live in Ohio, there are hundreds of websites that will give you a health insurance quote. And most will include the major companies in their searches, such as Anthem Blue Cross, UnitedHealthCare, Humana, Medical Mutual and Aetna. However, we represent the major companies along with additional smaller carriers, such as Premier, Ambetter, HealthSpan, and several others.

We’re Located Here In The Buckeye State!

And since we”re located in Ohio, we”re familiar with what carriers will offer the most affordable coverage in specific areas of the state. For instance, if you live in the Dayton area, Premier and its Miami Valley Hospital-based Network, offer extremely competitive prices. If you need treatment nearby (perhaps Troy, Tipp City, Mason, or Monroe), Premier will work with non-network providers and request if the would like to become a network provider.

View Different Healthcare Plans Quickly

You Want Your Ohio Broker’s Website To Be Owned By Experts, Not Kids!

Often, when searching online, you may navigate to a website that offers Ohio rates and quotes, but is actually located hundreds (or thousands) of miles away. There may be no physical location (just a “boiler room”) and no experience or expertise that will help you secure the coverage you need at the cheapest price.

So…Be careful, and perhaps these tips will help:

  • Always deal with a local Ohio broker – out-of-state agents may not know the details of the plans you need to discuss, and could recommend the wrong plan. Also, they may not be aware of recent changes in the federal Marketplace or Open Enrollment dates and deadlines.
  • Do NOT give anyone your billing information over the phone until you have had a chance to review the plan in writing (email, fax, or regular mail). If you can”t see the plan in writing, then stay away from the offer.
  • Do not feel pressured. If any agent is making you feel uncomfortable or asks you for information you would rather not divulge, then seek the help of someone else.
  • Ask how many years the Ohio broker has in been in the business. If the number is less than 10, move on. If the number is more than 25, that’s great. If the number is more than 30, you’re probably talking to us!
  • Don”t buy directly from the company. You”ll get the exact same rate from a broker, but without the bias. Comparing multiple plans typically results in better plan selection and lower rates.

For your free Ohio health insurance quote, please click on the “Get Free Quotes” button at the top of the page.

UPDATES:

April 2015 – Comparing Ohio Marketplace plans is now easier than ever. Since no medical questions are asked, it takes us about 45 seconds to instantly show the 50-100 Platinum, Gold, Silver, and Bronze plans that are offered. The instant federal tax credit is automatically calculated once we know the household income. That’s fast!