Affordable Toledo health insurance can be purchased directly from our website. We represent all primary Ohio carriers and help you instantly compare online quotes and apply for the best options. If you need business, individual, or family medical coverage in Lucas County or the surrounding area, we find the best solutions at rates you can afford. Senior medical benefits are available for persons that have reached age 65 and are eligible for Medicare. Many Advantage, Supplement, and Part D prescription drug plans are offered, along with stand-alone ancillary products.
Rates in the area are often lower than other parts of Ohio, such as Cleveland, Canton, or Akron. Possible reasons are more competitive physician charges, lower facility and hospital semi-private room charges, and favorable medical malpractice premiums. Additional area cities that utilize the same provider networks include Maumee, Oregon, Sylvania, Holland, Perrysburg, Rossford, Frankford, and Rocky Ridge. Note: Paramount Insurance plans are offered in Lucas County. Prices are typically fairly competitive compared to other carriers.
For the last 10 years, the lowest rates have been traditionally in the Columbus and Dayton areas, although the gap is getting smaller. When Marketplace coverage became available eight years ago, subsidized plans helped reduce premiums and added many comprehensive benefits, including maternity, mental illness, and pediatric dental. And of course, no applicant can now be denied for specific conditions, and federal premium tax credits have substantially increased. Upper-income households are also receiving larger subsidies.
Under the Biden Administration, pre-existing conditions continue to be covered, and additional plans are being developed. A “Public Option” plan is not likely to be considered. Federal subsidies also may increase again, depending upon legislative approval. City of Toledo health insurance is available to employees along with additional ancillary benefits. Lucas County employees are covered by Paramount and the ProMedica Health System. Retirees can choose many Medicare Advantage and Supplement options. Many employers will continue to offer Senior benefits to retired employees.
Get Personalized Quotes That Match Your Specific Needs
We always help you customize your coverage by listening to what you feel is most important, and then finding the policies that best fit your situation. By increasing your deductible, often, the premium reduces by hundreds of dollars per year. Also, by raising office visit copays, or selecting plans that offer steep network discounts, rates can substantially reduce. Federal subsidies have been increasing each year, so you may be eligible for a $0 premium plan.
We show you the differences between Bronze-tier and Silver-tier contracts, the most popular under-65 plan options. By selecting the most appropriate policy, you may be able to slash your potential out-of-pocket maximum limits by thousands of dollars, and avoid paying a deductible on most office visits and prescriptions. Urgent care and ER visits may be subject to a deductible, depending on the plan and carrier.
Current Health Insurance Rates In Toledo (Lucas County)
Single Applicant (age 30) with household income of $34,000.
$25 – CareSource Marketplace Bronze First– $50 and $100 office visit copays. $7,500 deductible with $25 generic drug copay. $75 Urgent Care copay.
$25 – Aetna Bronze HSA – $6,200 deductible and 50% coinsurance. HSA-eligible. Tier 1A and Tier 1 drug copays are $5 and $25 ($12.50 and $62.50 mail order).
$31 – Aetna Bronze S – $7,500 deductible and 50% coinsurance. Tier 1A and Tier 1 drug copays are $5 and $40 ($12.50 and $100 mail order).
$33 – Paramount Bronze 2 HRA – 9,450 deductible and 0% coinsurance.
$45 – Aetna Bronze 4 – $0 deductible and 50% coinsurance. $15 and $100 office visit copays. Lab and x-ray copays are $50 and $75. Tier 1A and Tier 1 drug copays are $5 and $25 ($12.50 and $62.50 mail order). $50 Urgent Care copay.
$60 – Paramount Expanded Bronze Standard 1 – $7,500 deductible and 50% coinsurance. $50 and $100 office visit copays. $25 generic drug copay ($62.50 mail order) and $75 Urgent Care copay.
$63 – Paramount Bronze 1 – $6,000 deductible and 50% coinsurance.
$64 – Anthem Bronze Pathway X HMO 9450 – $9,450 deductible and 0% coinsurance.
Married couple (Both age 50) with household income of $60,000.
$88 – CareSource Marketplace Bronze First – See above for coverage.
$88 – Aetna Bronze HSA – See above for coverage.
$107 – Aetna Bronze S – See above for coverage.
$115 – Paramount Bronze 2 HRA – See above for coverage.
$154 – Aetna Bronze 4 – See above for coverage.
$199 – Paramount Expanded Bronze Standard 1
$209 – Paramount Bronze 1 – See above for coverage.
$211 – Anthem Bronze Pathway X HMO 9450 – $9,450 deductible and 0% coinsurance.
Married couple (Both age 55) with household income of $65,000.
$94 – CareSource Marketplace Bronze First – See above for coverage.
$94 – Aetna Bronze 2 HSA – See above for coverage.
$117 – Aetna Bronze S – See above for coverage.
$128 – Paramount Bronze 2 HRA – See above for coverage.
$176 – Aetna Bronze 4 – See above for coverage.
$232 – Paramount Expanded Bronze Standard 1 – See above for coverage.
$245 – Paramount Bronze 1 – See above for coverage.
$248 – Anthem Bronze Pathway X HMO 9450 – $9,450 deductible and 0% coinsurance.
Zip codes used for rates above are 43460, 43537, 43601, 43603, 43604, 43605, 43606, 43607, 43608, 43609, 43610, 43611, 43612, 43613, 43614, 43615, 43620, 43623, 43635, 43652, 43654, 43656, 43657, 43659, 43660, 43661, 43666, 43667, 43681, 43682, 43697, and 43699.
HSA Choices (See Above)
Health Savings Accounts (More Information Here) are a very popular option in the Toledo area. They provide catastrophic and preventative coverage, along with varying degrees of office visit and prescription coverage. Premiums often are 25% less than comprehensive copay policies. UnitedHealthcare, Medical Mutual, Anthem, and Paramount currently offer the most competitive rates in the area.
Current available HSA Exchange plans (Lucas County) are Paramount Bronze 1, Medical Mutual Market HMO 7300 HSA, Medical Mutual Market HMO 4000 HSA, UnitedHealthcare Bronze Value HSA, Anthem Bronze Pathway X HMO 7450/0% for HSA, Anthem Silver Pathway X HMO 5400/0% for HSA, Anthem Bronze Pathway X HMO 6000/20% for HSA, Aetna Bronze 2 HSA, and Ambetter Choice Bronze HSA.
Senior Medicare Supplement Monthly Rates (Lucas County 65-Year-Old Male)
$34 – Plan G (HD) United American
$34 – Plan F (HD) United American
$41 – Plan G (HD) New Era Life
$41 – Plan F (HD) New Era Life
$43 – Plan G (HD) Cigna
$46 – Plan G (HD) Bankers Fidelity
$46 – Plan G (HD) United States Fire
$47 – Plan F (HD) Great Southern Life
$47 – Plan G (HD) Medico
$48 – Plan F (HD) National Health
$49 – Plan G (HD) Humana
$80 – Plan A AARP -UnitedHealthcare
$87 – Plan N Cigna
$88 – Plan N AARP -UnitedHealthcare
$91 – Plan N SBLI USA Life
$94 – Plan N National Health
$95 – Plan N Elips Life
$95 – Plan N AFLAC
$97 – Plan N Accendo
$96 – Plan N Mutual Of Omaha
$96 – Plan N United States Fire
$97 – Plan N Accendo
$97 – Plan N Manhattan Life
$98 – Continental Life
$103 – Plan A Medical Mutual
Medicare Advantage Plans (Lucas County)
AARP Medicare Advantage From UHC OH-0001 – $104 per month premium and $0 deductible. $8 and $47 generic and preferred brand copays. Primary and specialist office visit copays are $0 and $0-$25. Inpatient and outpatient hospital copays are $275 for 5 days and $0-$275. $3,400 MOOP.
AARP Medicare Advantage From UHC OH-0005 – $0 per month premium and $0 deductible. $12 and $47 generic and preferred brand copays. Primary and specialist office visit copays are $0 and $0-$40. Inpatient and outpatient hospital copays are $325 for 5 days and $0-$325. $4,500 MOOP.
AARP Medicare Advantage From UHC OH-0006 – $24 per month premium and $0 deductible. $5 and $47 generic and preferred brand copays. Primary and specialist office visit copays are $0 and $0-$25. Inpatient and outpatient hospital copays are $275 for 4 days and $0-$275. $3,600 MOOP.
AARP Medicare Advantage From UHC OH-0008 – $24 per month premium and $0 deductible. $5 and $47 generic and preferred brand copays. Primary and specialist office visit copays are $0 and $0-$25. Inpatient and outpatient hospital copays are $275 for 4 days and $0-$275. $3,600 MOOP.
AARP Medicare Advantage From UHC OH-0009 – $0 per month premium and $0 deductible. $14 and $47 generic and preferred brand copays. Primary and specialist office visit copays are $0 and $0-$50. Inpatient and outpatient hospital copays are $385 for 5 days and $0-$385. $5,500 MOOP.
Aetna Medicare Premier – $0 per month premium and $0 deductible. $0 and $47 generic and preferred brand copays. Primary and specialist office visit copays are $0 and $35. Inpatient and outpatient hospital copays are $325 for 5 days and $0-$285. $4,900 MOOP.
Aetna Medicare Premier 1 – $120 per month premium and $0 deductible. $0 and $42 generic and preferred brand copays. Primary and specialist office visit copays are $0 and $35. Inpatient and outpatient hospital copays are $220 for 6 days and $0-$130. $5,500 MOOP.
Aetna Medicare Value – $0 per month premium and $150 deductible. $10 and $47 generic and preferred brand copays. Primary and specialist office visit copays are $0 and $35. Inpatient and outpatient hospital copays are $325 for 4 days and $0-$530. $6,700 MOOP.
Anthem MediBlue Extra – $10.40 per month premium and $505 deductible. $20 and $47 generic and preferred brand copays. Primary and specialist office visit copays are $0 and $40. Inpatient and outpatient hospital copays are $310 for 7 days and $0 or 20%. $7,550 MOOP.
Anthem MediBlue Access – $56 per month premium and $0 deductible. $15 and $42 generic and preferred brand copays. Primary and specialist office visit copays are $0 and $40. Inpatient and outpatient hospital copays are $275 for 6 days and $0 or 20%. $5,500 MOOP.
Anthem MediBlue Access Basic – $78 per month premium and $50 deductible. $15 and $42 generic and preferred brand copays. Primary and specialist office visit copays are $0 and $40. Inpatient and outpatient hospital copays are $275 for 6 days and $0 or 20%. $6,050 MOOP.
Anthem MediBlue Access Preferred – $0 per month premium and $0 deductible. $15 and $42 generic and preferred brand copays. Primary and specialist office visit copays are $0 and $45. Inpatient and outpatient hospital copays are $375 for 5 days and $0-$315. $5,500 MOOP.
Anthem MediBlue Plus – $37 per month premium and $0 deductible. $10 and $37 generic and preferred brand copays. Primary and specialist office visit copays are $0 and $35. Inpatient and outpatient hospital copays are $285 for 6 days and $0-$225. $4,100 MOOP.
CareSource Advantage – $30 per month premium and $100 deductible. $4 and $45 generic and preferred brand copays. Primary and specialist office visit copays are $0 and $0-$35. Inpatient and outpatient hospital copays are $285 for 7 days and $0-$295.
Devoted Health Core – $0 per month premium and $0 deductible. $0 and $42 generic and preferred brand copays. Primary and specialist office visit copays are $0 and $30. Inpatient and outpatient hospital copays are $310 for 7 days and $0-$310.
MediGold Essential Care – $0 per month premium and $0 deductible. $0 and $45 generic and preferred brand copays. Primary and specialist office visit copays are $5 and $35. Inpatient and outpatient hospital copays are $295 for 4 days and $10-$250.
MedMutual Advantage Access – $0 per month premium and $0 deductible. $4 and $42 generic and preferred brand copays. Primary and specialist office visit copays are $5 and $40. Inpatient and outpatient hospital copays are $375 for 5 days and $420.
MedMutual Advantage Choice – $40 per month premium and $55 deductible. $5 and $42 generic and preferred brand copays. Primary and specialist office visit copays are $0 and $40. Inpatient and outpatient hospital copays are $385 for 5 days and $420.
MedMutual Advantage Classic – $0 per month premium and $95 deductible. $5 and $42 generic and preferred brand copays. Primary and specialist office visit copays are $5 and $40. Inpatient and outpatient hospital copays are $335 for 6 days and $425.
MedMutual Advantage Preferred – $80 per month premium and $55 deductible. $5 and $42 generic and preferred brand copays. Primary and specialist office visit copays are $5 and $40. Inpatient and outpatient hospital copays are $385 for 5 days and $430.
MedMutual Advantage Select – $50 per month premium and $95 deductible. $5 and $42 generic and preferred brand copays. Primary and specialist office visit copays are $10 and $40. Inpatient and outpatient hospital copays are $385 for 5 days and $420.
Molina Medicare Choice Care – $0 per month premium and $125 deductible. $12 and $47 generic and preferred brand copays. Primary and specialist office visit copays are $0 and $30. Inpatient and outpatient hospital copays are $295 for 6 days and $225.
Paramount Elite Enhanced – $80 per month premium and $55 deductible. $5 and $42 generic and preferred brand copays. Primary and specialist office visit copays are $5 and $40. Inpatient and outpatient hospital copays are $385 for 5 days and $430.
Paramount Elite Prime – $28 per month premium and $0 deductible. $10 and $45 generic and preferred brand copays. Primary and specialist office visit copays are $0 and $35. Inpatient and outpatient hospital copays are $225 for 5 days and $225.
SummaCare Medicare Ruby – $43 per month premium and $0 deductible. $8 and $44 generic and preferred brand copays. Primary and specialist office visit copays are $0 and $40. Inpatient and outpatient hospital copays are $280 for 6 days and $250.
SummaCare Medicare Sapphire – $76 per month premium and $0 deductible. $8 and $44 generic and preferred brand copays. Primary and specialist office visit copays are $0 and $35. Inpatient and outpatient hospital copays are $240 for 6 days and $250.
Wellcare Assist – $16.80 per month premium and $480 deductible. $20 and $47 generic and preferred brand copays. Primary and specialist office visit copays are $0 and $35. Inpatient and outpatient hospital copays are $295 for 7 days and $295.
Additional Notes:
ProMedica, a large hospital group in the Toledo area, is now part of the Innovation Alliance Network, which is affiliated with the prestigious Cleveland Clinic. Because of this change, it’s possible that several new employment opportunities may be created in the local area. Paramount Health plans are offered through ProMedica through the federal Marketplace, along with Medicare Advantage and Medicaid managed care contracts.
By working together and combining their expertise, more efficient medical care can be provided at a lower cost. The new Network also includes Ohio Stare and Notre Dame Universities along with MedStar Health. Other hospitals in the area include the University Medical Center, Mercy, and Children’s Hospital.
