Affordable Ohio Health Insurance Plans

2011  Health Savings Account (HSA) limits will remain unchanged due to the low cost of living increase. The maximum 2011 Ohio HSA contribution will be $3,050 for individuals and $6,150 for families. An additional annual “catch up” contribution of $1,000 is available to persons over the age of 55 and not currently enrolled in Medicare. Once enrolled in Medicare, contributions must be temporarily suspended. To qualify for this type of coverage, you must have a “High Deductible Health Plan (HDHP),” which is available from most of the large insurers, such as Anthem Blue Cross, Aetna, UnitedHealthCare, Medical Mutual, Humana, Assurant and Celtic. The HDHP must have a minimum annual deductible of $1,200 for single coverage and $2,400 for family coverage. The annual maximum out-of-pocket expense allowed is $5,950 for single HSA plans and $11,900 for family HSA plans. Any contributions made by an employer count towards your contribution limit. 2011 contributions for Ohio HSA plans can be made until April 15, 2012. After that date, the tax deduction will count towards 2013. You are never required to make contributions at any time. Many policyholders simply utilize the negotiated network discounts to save money. Alternative To Conventional Health Insurance Coverage An Ohio HSA plan is an extremely attractive alternative to traditional health care. Rates are generally much lower than a...

Affordable Ohio family health insurance coverage is available. As the state’s trusted authority for affordable medical insurance coverage, we review hundreds of policies offered on and off the Marketplace.  In less than a minute, you can view the lowest rates offered by UnitedHealthcare, Anthem Blue Cross, Aetna, Medical Mutual, Humana, SummaCare, Ambetter, Molina, and many other companies. If you have a spouse or dependents, they can easily be added to a customized comprehensive plan that covers office visits, ER, Urgent Care, and prescriptions. Our free online quotes can be viewed at any time, so you can quickly research and evaluate which plans meet your budget needs, and provide the coverage you want. Short term, catastrophic, Comprehensive and HSA plans are included, so you are easily able to determine the most affordable option. Whether you qualify for a large federal subsidy, or prefer non-Obamacare plans, the comparison and enrollment process is simplified through our website. You never pay a fee on this website, and our 36 years of expert advice will guide you through the application process. If you are Medicaid or Medicare-eligible, you will be offered different options. Typical Family Plan Benefits “Affordable Care Act” Legislation allows health insurers to provide preventive benefits to most family plans with no waiting period or deductible. Some of these benefits...

Ohio health insurance for the uninsured is actually very inexpensive. Most of the large companies offer low cost plans that are 30%-60% less expensive than typical group coverage. Physicals are not required for compliant plans, and preventive benefits are included  with no copay or out-of-pocket expenses. And while being uninsured can potentially raise your auto insurance rate, it generally has no major impact on your medical insurance premiums. However, if you miss Open Enrollment (November 1-January 31) and do not qualify for an SEP (Special Enrollment Period), you may be forced to purchase either a short-term policy, or coverage that does not meet any of the required Affordable Care Act mandates. This will also require you to pay a 2.5% tax penalty on your declared household income. Affordable Options Are Available We understand that the reason many Ohioans don’t have medical coverage is because they can’t afford it. We offer several options that will be easy on the pocketbook, but still provide benefits that can be used. The application and enrollment process is easy,  and once the policy is approved, you can pay your premiums monthly. You can choose the type of benefits you need (subject to several limitations), and pick the company that issues the policy. Many economical plans are offered by Anthem Blue Cross, Ambetter, Medical Mutual, Molina, SummaCare, and Premier....

Which Ohio company offers the best health insurance coverage for the lowest cost?  Buckeye State rates are still fairly low for individuals and families compared to most other states. We help you find quality healthcare benefits  from major carriers such as Medical Mutual, Anthem Blue Cross, Humana, Aetna, UnitedHealthcare, SummaCare, Ambetter, Molina, and other licensed companies. By utilizing our tools, free advice, and live ratings, reviews, and policy costs, you can quickly an easily find the plans that are the ideal choice for your medical and prescription needs. If you are shopping Ohio Marketplace coverage during Open Enrollment, we determine the amount of your federal subsidy, and show you the specific options that should be strongly considered. HSA (Health Savings Account) Plans Offer Low-Cost Options Often, the top-rated option in Ohio is not necessarily the most expensive policy. For example, a Health Savings Account (HSA) will pay for 100% of medical expenses after the deductible has been met. Preventive coverages are not subject to a deductible and “Negotiated Repriced Discounts” can substantially reduce out-of-pocket costs (especially lab tests and X-Rays). Each year, more individuals and families switch their existing coverage to an HSA. Ohio HSA premiums are typically less than comprehensive policy premiums. The difference in cost, which is often thousands of...

Low cost student health insurance in Ohio is offered by most of the large health insurers. Premiums are extremely inexpensive, and monthly billing is offered with an option to cancel coverage at any time. Anthem Blue Cross, SummaCare, Medical Mutual, Molina, Premier, and Ambetter feature affordable plans that include comprehensive office visit, prescription and major medical benefits. The policies are very reliable and provide flexible options to fit special needs. We research and review all  available plans, so we can show you the policies that provide the coverage you need, but at the lowest possible cost. If you live in Ohio, but attend an out-of-state school, it is important that we choose a carrier that will provide Network coverage in that area, so that you have a wide choice of physicians, specialists and medical facilities. Also, both full-time and part-time students can qualify for coverage. If a policy is needed quickly, you may be able to obtain short-term benefits until the Exchange (or off-Exchange) policy is issued. Student Health Insurance In Ohio Is A Requirement Most major Ohio colleges and universities (Ohio State, Dayton, Miami, Kent State, Bowling Green, Xavier, etc…) require full-time students to have medical coverage. In fact, many schools offer student coverage that can be purchased each semester. Sometimes, university medical plans may limit the...

If you purchase an Ohio health insurance plan on after September 22nd (2010), many preventive services will have to be covered  without being subject to a copay or deductible (when these services are completed by a network provider. This change is part of the new health care reform. Of course, rates are expected to modestly increase. The list of services is listed below. We anticipate that the list of benefits will increase each year, including several additions for women and children. Please contact us if you have any questions or would like any additional information regarding covered medical conditions on single, family, and group plans. Covered Preventive Services for Adults Abdominal Aortic Aneurysm one-time screening for men of specified ages who have ever smoked Alcohol Misuse screening and counseling Aspirin use for men and women of certain ages Blood Pressure screening for all adults Cholesterol screening for adults of certain ages or at higher risk Colorectal Cancer screening for adults over 50 Depression screening for adults Type 2 Diabetes screening for adults with high blood pressure Diet counseling for adults at higher risk for chronic disease HIV screening for all adults at higher risk Immunization vaccines for adults–doses, recommended ages, and recommended populations vary: Hepatitis A Hepatitis B Herpes Zoster Human Papillomavirus Influenza Measles, Mumps,...

The Ohio Pre-existing condition health insurance plan is available. This temporary health insurance program (“high risk pool”) is designed to offer affordable medical benefits  until 2014 when the Exchanges may be available. If you have been declined or turned down, it is a great option to consider. Applications will be accepted, and Medical Mutual will operate the plan through the  Department of Insurance. You can visit the MM website to apply for coverage. The entire process takes about 20 minutes, and can be completed online. Non-smoking rates will be between $188 and $545 per month, depending on the age of the applicant and the requested benefits. There are two plan choices. One has a $1,500 deductible and the other less expensive option has a $2,500 deductible. Pre-existing conditions will be covered without a waiting period. However, there are several prerequisites that you should be aware of. How To Qualify To qualify for coverage, you must have a “qualifying pre-existing condition,” as evidenced by a denial of coverage by two health insurers. Documentation from a health professional will also suffice. Any person who applies for the plan also must be a citizen or lawfully present in the United States. Also, no prior medical coverage can be in effect for the last six months and proof of Ohio residency will be required. If a policy was active during this time period,...

Need help with finding affordable healthcare in Ohio? It’s available! An insurance broker works for you and not the carrier.  A broker researches, reviews and studies hundreds of  insurance quotes to provide you with the most affordable plans that match your budget. Whether you qualify for a federal subsidy, don’t have current coverage, or are a Senior shopping for Medigap plans, free expert guidance is offered. Since rates are mandated, a specific website or agent can not offer prices lower than a broker or the insurer itself. However,  since we are one of the few resources that offer 37 years of experience, and free 24/7 online quoting, customers and prospects can view customized plans that are created to help lower out-of-pocket expenses. We specialize in individual and family  medical coverage, and take the time to find the plans that offer the coverage you need, and meet your specific budget. Enroll Online, By Phone, Or Through Email One of the advantages of utilizing our resources is that we combine the simple automation of online buying with live help (if you need it). We’re not located overseas. We live in the state, just like you. Comparing policies can be very complex and confusing since what’s best for you might be completely different than another person’s choices. We’ll help you make an informed and unbiased choice so you pay the least and get the most for your...