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Individual Medical Coverage In The Buckeye State – Under/Over Age 65

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If your Ohio employer does not offer you medical insurance benefits, than an individual healthcare plan is your best choice. We show you the most popular private policies that allow you to select the coverages you want at the least expensive prices. If you are a resident of the state and are either not currently covered, or simply wish to lower your rates, we can help. Many major carriers offer a wide selection of plans in most areas of the Buckeye State.

Some of the most popular individual policies are “Value” plans (catastrophic-tier level). They provide respectable major medical coverage for catastrophic and hospital needs. However,  private rates are kept low by reducing the number of covered office visits and limiting coverage for non-generic prescriptions. Preventative benefits are fully covered on these types of policies. For example, once the policy is approved, there would be no waiting period to schedule a routine annual physical, child well-check visit or a qualified OBGYN visit.

Adffordable Private Medical Coverage In Ohio

You Can Find Cheap Ohio Individual Health Care Plans

You must be aware of an”Open Enrollment” period when applying for your own coverage. If the policy does not guarantee acceptance, you can apply for coverage at any time. An approval can be granted from a day to a few weeks, depending on the type of benefits you are purchasing. We help you determine the exact policies you should be applying for and what companies are your best choices. If you are denied coverage, typically, several additional options are available.

For example, if you have no significant medical concerns, an individual short-term policy could be easily approved within minutes. If you  are waiting for your group contract to begin and only need a few months of coverage, the application process can be completed in less than 20 minutes. If medical records need to be ordered (which is not often), the process will take longer. Note: Many carriers, such as Cigna, Kaiser, and Keystone, do not offer short-term plans.

When shopping for a personal (or family) “Value” plan, it is important to only consider “name” reputable health insurance companies. Never purchase “discount plans.” Companies that sell discounted contracts  are usually located outside of Ohio and charge a large upfront application fee. Benefit descriptions are often vague, and contact information is generally quite confusing.

And trying to get a refund from them is about as pleasant as having a root canal. If you suspect the carrier is not legitimate, contact us and we’ll provide a free research report on any complaint issues they have handles or the validity of the contracts they are offering to the public.

Some of the best individual Ohio personal health insurance “Value” Plans are:

Anthem “SmartSense”

Aetna “Preventative and Hospital”

United HealthCare “Copay Select Value”

Celtic “Basic”

Humana “Monogram”

Medical Mutual “Wellness”

Naturally, before making a selection, it’s always advisable to review your particular situation and we will carefully advise you of all of the existing options. We’ll be happy to provide quotes for those plans or you can start the process yourself at the top of each page on our website.

Ohio Anthem Individual Health Insurance Rates

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When you are searching for low cost Ohio individual health insurance, Anthem Blue Cross is a company that should always be considered. Our registered website allows you to easily compare affordable private coverage both during an after the Open Enrollment period. It only takes a few moments to view low-cost policies in your area.

Although other carriers we represent, such as  UnitedHealthcare, Aetna, Humana, Kaiser and Medical Mutual are big companies, Anthem is Ohio’s flagship healthcare provider and is part of of Community Insurance Company and parent Wellpoint. The network of providers is the largest of any carrier in the Buckeye state and features the region’s most impressive group of doctors, specialists and inpatient/outpatient facilities.

Several factors are considered when determining rates. Your age will be the biggest determinant of the price you pay. Your zip code (and,or county), household income, and your smoking status are the other relevant factors. The Patent Protection And Affordable Care Act (also called  the “ACA” or “Obamacare”) eliminated medical questions from being asked, and also mandated that pre-existing conditions would be covered.

New Affordable Care Act (ACA)

All plans, since 2014, are no longer underwritten. This means that you can not be surcharged because of an illness you have, or charged a higher premium because you need immediate treatment or surgery. Also, each year, you can change to a different policy if it better fits your current needs. There will be no fees or extra premiums for making the change.

Of course, the rate on your new policy could be higher (or lower) than your existing plan, so it is important to compare both price and out-of-pocket costs. Also, if you have a serious sickness or illness, and are being treated with a name-brand prescription, reviewing the RX copay should be one of your first tasks.

Current Prices

Premiums will vary, depending on the factors mentioned above. So, we provided some sample individual and family situations below, so you can view an accurate estimate of monthly rates:

Situation One  – Single person age 25. Annual income of $25,000. Lives in Columbus area.

$145 – Bronze DirectAccess cabu

$149 – Bronze DirectAccess caas

$165 – Bronze DirectAccess caaz

$194 – Silver DirectAccess cbwl

Situation Two  – Single person age 35. Annual income of $45,000. Lives in Cincinnati area.

$224 – Bronze DirectAccess cabu

$235 – Bronze DirectAccess cabt

$248 – Bronze DirectAccess caaz

$281 – Silver DirectAccess cbwl

Situation Three Married couple ages 45 with one child. Annual income of $55,000. Lives in Dayton area.

$360 – Bronze DirectAccess cabu

$388 – Bronze DirectAccess cabt

$427 – Bronze DirectAccess caaz

$522 – Silver DirectAccess cbwl

Situation Four Married couple ages 50 with two children. Annual income of $65,000. Lives in Cleveland area.

$503 – Bronze DirectAccess cabu

$547 – Bronze DirectAccess cabt

$605 – Bronze DirectAccess caaz

$745 – Silver DirectAccess cbwl

We proudly represent Anthem and offer their lowest available rates. Since prices are mandated by the Department Of Insurance, no agent, broker or Agency can offer a lower cost. However, since we represent all major companies and not just one company, we always give you a balanced and unbiased comparison of your best options. Dental, vision and Medicare-Supplement plans are also available.

Anthem BC Ohio Options


In most rate comparisons, the Columbus, Springfield,  Dayton and Cincinnati areas often feature the most competitive rates. Typically, their main competition for HSA and comprehensive plans comes from Medical Mutual, Humana, Healthspan, Kaiser and UnitedHealthcare. These  carriers are worth considering, especially if you live in Hamilton County or any part of Southwestern Ohio.

Anthem, like most Ohio health insurance companies,  offers a direct monthly billing or an electronic withdraw. Policies can be canceled at any time since you are never obligated to keep a policy any longer than needed. However, if you terminate coverage, it’s important to understand what plans are offered during and outside of Open Enrollment.

For example, unless you meet one of several designated “exceptions,” such as divorce, job termination or major change in income, you will have limited options if you miss the Open Enrollment deadlines. Although temporary policies and “limited-benefit” contracts can be purchased, you will forfeit your subsidy-eligibility and also may risk the immediate coverage of your pre-existing conditions.

Also, the non-compliance tax of either $95 per adult or 1% of household income (the higher of the two) will be charged. Usually, this is deducted from any potential tax refund the following year, or must be recognized when filing and submitting the tax return to the IRS.

Ohio Medicare Supplement (Medigap) Plans

There are three types of Senior options available. They are Advantage, Supplemental and Part “D” (Prescription) plans. An annual Open Enrollment takes place, which is unrelated to the Affordable Care Act Open Enrollment.

Advantage plans are the cheapest, since they are a policy with a Medicare contract. Often, premiums are $20 per month (or less). The  “Senior Advantage Basic” is a very popular HMO policy in the Buckeye state. Blue Medicare Access Classic is another low-cost PPO plan.

Medigap contracts are designed to pay for benefits that are not fully covered, such as copays, coinsurance and deductibles. Physicians and hospitals that are approved by Medicare can be utilized.  Plans N,A and F are the least expensive MedSup policies that Anthem offers in Ohio. Plan N covers skilled nursing coinsurance.

Part D coverage is offered through the Blue Medicare RX Standard PDP plan. Premiums are fairly low ($20-$40 per month for most persons) for this stand-alone product. There are six tiers of drug coverage, ranging from cheap preferred generic prescriptions to the most expensive specialty tier drugs. The “Plus” plan offers richer benefits at a higher rate.

Anthem Blue Cross and Blue Shield health insurance rates in Ohio are still a bargain for individuals, families and businesses.  You can view direct quotes here  or contact us by phone or email. We will carefully review all available policies, and match the plan that maximizes your subsidy, and offers the coverage you need at the lowest cost.