Ohio health insurance companies offer affordable medical coverage through the State Exchange and Marketplace. We research and find individual, family and small business coverage plans at their lowest cost, explain the coverage, and make it easy to purchase the policy that maximizes your subsidy and benefits, and complies with ACA legislation.
For applicants that have reached age 65 and are eligible for Medicare, many affordable Supplement and Advantage plans can reduce potential out-of-pocket expenses. Prescription drug benefits for all tiers are also available through Part D plans. A high-deductible Supplement option (Plan F-HD) offers the lowest cost for Medigap plans.
Non-Obamacare plans are also very popular because of their attractive cost, simplified medical underwriting, customizable benefits, and all-year availability. Rates are typically low, and policies are quickly approved. Up to $2 million of benefits are available, with office visit, prescription, and major medical benefits included. Urgent Care visits are typically included with just a copay. National PPO networks are available along with indemnity products.
We study deductibles and out-of-pocket expenses to help you compare plans, easily enroll, and get the lowest rates. Shopping for coverage through the federally facilitated marketplace can be challenging and confusing for many persons. With our experience and expertise, we make it easy to view the best choices to meet your specific medical and budget needs.
The carriers writing healthcare business (persons under age 65) in the Buckeye State are Anthem Blue Cross, Ambetter (Buckeye Health Plan), Aultcare, CareSource, Medical Mutual, Molina, Paramount, Oscar, and SummaCare.
The two newest carriers are Oscar and Ambetter. Oscar currently offers business in Ohio and eight other states. Private under-65 plans are offered, but not Senior products. The Cleveland Clinic is a network facility. Ambetter issues policies in many more Buckeye State counties. Plans are available through Buckeye Health Plan, and their Silver-tier rates are very affordable in many counties. Centene Corporation is the parent company.
American Community Mutual stopped writing business in the state many years ago. Other notable carriers, such as HealthSpan, Premier, Assurant, and InHealth, previously offered personal coverage through the Marketplace. But excessive claims forced these companies to cease operations, and terminate all existing policies. UnitedHealthcare, Humana, and Aetna have also discontinued offering Obamacare subsidized plans, although they may return in several years.
Marketplace Plans Available In Largest Ohio Counties
Cuyahoga - Ambetter, CareSource, Medical Mutual, Molina, and Oscar
Franklin - CareSource, Medical Mutual, Molina, and Oscar
Hamilton - Ambetter, Anthem, CareSource, Medical Mutual, and Molina
Summit - Ambetter, CareSource, Medical Mutual, SummaCare, and Oscar
Montgomery - Ambetter, CareSource, Medical Mutual, and Molina
Stark - Aultcare, Ambetter, CareSource, Medical Mutual, Molina, and SummaCare
Butler - Ambetter, Anthem, CareSource, Medical Mutual, and Molina
Lorain - Ambetter, CareSource, Medical Mutual, Molina, and Oscar
Mahoning - Ambetter, CareSource, Medical Mutual, and Molina
Lake - Ambetter, CareSource, Medical Mutual, Molina, and Oscar
Trumbull - Ambetter, CareSource, Anthem, Medical Mutual, and Molina.
Clermont - Ambetter, CareSource, Medical Mutual, and Molina
Delaware - CareSource, Medical Mutual, and Oscar
Medina - Ambetter, CareSource, Medical Mutual, Oscar, and SummaCare.
Licking - CareSource, Medical Mutual, Molina, and Oscar
Ohio Companies Offering Senior Medicare Supplement And Advantage Plans
If you have reached age 65, and are eligible for Medicare Parts A and B, instead of a Marketplace plan, you can choose to supplement your Government benefits with a Medigap plan. All carriers in the Buckeye State must be reviewed and approved by the Ohio Department of Insurance. We have listed below many of the popular companies that offer Medicare Supplement and Advantage products. This is only a partial list.
AARP (underwritten by UnitedHealthcare)
American Retirement Life
Greek Catholic Union
Liberty National Life
Mutual Of Omaha
Standard Life And Accident
AARP - UnitedHealthcare
Buckeye Health Plan
Prime Time Health
Provider Partners Health
The Health Plan
We are constantly monitoring companies for rate trends and claims-paying ability, and we always share that information with you upon request. We also provide ratings information from independent resources such as A.M.Best Company, Standard & Poors, Moody's, and Weiss research. The Department of Insurance also provides free online resources that allow us to publish the most recent rate increase (and decrease) requests, complaint ratios of most carriers, and detailed financial data regarding the safety of their operations.
Since each carrier charges different rates in each county, it is not unusual to see significantly lower rates in selected parts of the state. Our job is to determine your needs, find the lowest prices that give you the benefits you are looking for, and recommend the most affordable high-quality healthcare plan for your situation.If you move to a different city or county, we can provide an instant comparison of available plan options.
Rates are mandated by the Department of Insurance, so you receive the lowest prices at all times. If a carrier files for a rate reduction or a consumer rebate, we will help explain the process and how you can quickly benefit by those changes.Typically, Marketplace rates for persons under age 65, are published in September or October. Price change requests are provided to the DOI by June.
Your Zip Code And County Of Residence Matters
Although medical conditions no longer impact premiums, the "servicing area" (where you reside) does. For example, below we have illustrated the monthly rates for a 30 year-old with annual income of $24,000. The least expensive available Anthem plan was selected (Bronze Pathway X HMO 7900). Note price differences for different areas:
$1 - 43711 Noble County
$1 - 43713 Belmont County
$1 - 43722 Guernsey County
$1 - 43782 Perry County
$26 - 43734 Muskingum County
$114 - 45066 Warren County
$114 - 45242 Hamilton County
Your County of residence is also a major factor regarding available plans, pricing, network providers, and the number of companies registered to offer policies. Specific carriers only offer coverage in certain areas. For example, Summacare Medicare Advantage plans are available only in the Counties shaded blue in the map below. Note: Image provided by SummaCare and is subject to change.
Also, Medical Mutual's rates are more favorable in specific parts of the state. In the Cincinnati area, Medical Mutual offers extremely competitive HSA and comprehensive plan rates. By using our experience and expertise, we will help you identify your best options. Anthem Blue Cross tends to offer competitive prices in most parts of Ohio. Ambetter and SummaCare feature many low-cost options. Ambetter offers very competitive prices with copays for pcp and specialist office visits. SummaCare services the Northern part of the state.
Need Coverage For Only A Few Months?
If your need is temporary, a short-term plan will be your best option. While many companies offer short-term plans, HCC Life, National General, and UnitedHealthcare offer the most affordable options. Typically, temporary coverage costs less (approximately 30%-60%) than comprehensive policies, and applications are often approved in less than 24 hours. Premiums can be paid monthly, and the entire process can be completed online.
Although these types of plans do not cover pre-existing conditions, they are a great fit for individuals and families that only need benefits for less than 12 months. However, they do NOT include "essential health benefits," a signature requirement of the Affordable Care Act. Also, prescription drug benefits are generally much less robust when compared to Marketplace plans.
Dental Plans In Ohio
Although dental benefits can be obtained (pediatric and adult) at the time you purchase medical coverage during Open Enrollment, private plans can be applied for at any time. There also is no prior-coverage requirement. Typically, preventative benefits are covered at or neat 100% (teeth cleanings and semi-annual exams). However, major procedures, such as crowns, bridges, root canals, and dentures, require a copay and deductible to be met.
Currently, the following major carriers offer individual and family policies: Humana, Aetna, UnitedHealthcare, Medical Mutual, Anthem Blue Cross, IHC Group, and National General.
If you would like to quickly view, compare or apply for an Ohio health insurance policy, please enter your zip code in the "Get Free Quotes" section at the top of the page. You can also talk to us live by calling or emailing. The "contact us" button at the top of the page is an additional method to contact us for information regarding companies, plans, rates, or availability in your area.