Health insurance costs for Hamilton County and Cincinnati residents continue to remain low. While many other areas of the country have experienced sharp rate increases, prices in Hamilton County and the surrounding areas have remained very affordable. Private medical coverage is easy to apply for, and both single and family policies are available. Along with private policy options, large employers in the area (General Electric, Proctor And Gamble, Kroger, and the University of Cincinnati).
We specialize in finding the most reliable medical plans at the absolute lowest available cost. We work directly with all of the top-rated companies so you can be assured of always comparing the top plans for the type of benefits you need. Regardless if you reside in Hamilton County, or nearby Clermont, Warren, or Butler County, several low-cost options are typically available. The Southwestern portion of the state also features large provider networks.
Low-Cost Cincinnati Health Plans
For example, cheap high-deductible catastrophic coverage for a healthy 40-year old husband and wife in the Cincinnati area costs approximately $150-$200 per month. Molina, Medical Mutual, and Ambetter offer the most competitive rates. Comprehensive coverage costs approximately $230-$490 per month. CareSource also offers private individual coverage. Rates in Northern Ohio, for similar coverage, are approximately 15%-20% higher. Note: Rates are based on a household income of $35,000. Higher or lower incomes will impact the amount of federal subsidy.
If minimizing the rate, and tax-deducting medical expenses is a major priority, then an HSA policy should be considered. There are several plans that will be easy on your pocketbook, offering rates that are typically less expensive than most Silver-tier options. And by taking advantage of local Network providers, you’ll further reduce your costs. This link provides additional HSA information.
Several factors can affect rates, such as your age, county of residence, and smoking status. The type of plan you choose will also impact the price. For example, a low-deductible plan with maximum out-of-pocket expenses less than $3,000 will cost much more than a higher-deductible plan with maximum out-of-pocket expenses higher than $7,000.
Perhaps one the most overlooked factors that is used in determining your rate is your zip code. In the past, the 452 zip code featured extremely attractive rates from Medical Mutual, especially their Health Savings Accounts. Oddly, in the 451 zip code, UnitedHealthcare’s rates became quite high compared to their normal rates in the surrounding area. Part of our service is to ensure you know which carriers are the best choice for your needs.
Senior Medigap Options
Medicare Supplement, Advantage, and Part D prescription drug plans are available. Carriers offering Senior products in SW Ohio include Aetna, Anthem, Buckeye, CareSource, Coventry, Gateway, Health Alliance, Humana, Medical Mutual, MediGold, MeridianCare, Molina, Paramount, Premier, Prime Time Health, RiverLink, SummaCare, The Health Plan, and UnitedHealthcare.
We’re located just North of Kings Island and monitor local prices very closely. With more than three decades of experience (my, time flies!) we are the region’s premier expert authority on identifying policies that meet your quality standards and also are easy on your pocketbook. You can call us for a quote or use the “Quote” section in the top part of the page. Don’t worry. Your information is secure and is not shared like many other websites.
2021 Update: SW Ohio rates remain fairly low, and Hamilton County features some of the most attractive Exchange plan pricing. CareSource now provides plan options in Hamilton County and many parts of Ohio. Along with Ambetter, in many areas, their rates for Bronze and Silver-tier plans are the least expensive contract.