Affordable Ohio Health Insurance Plans

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Akron health insurance plans and rates for individuals under age 65 and Seniors can be instantly viewed We specialize in comparing policies on and off the Marketplace in the Northeastern Ohio area.  Our friendly staff helps you choose the coverage you need with a quick online enrollment. All available companies are researched to determine which policy is the best choice. Guaranteed-approval and non-Obamacare medically-underwritten plans are offered.

Senior Medicare, including Supplement, Advantage, and Part D options, and under-65 products are also offered. Summit, Portage, Medina, and Stark County have very attractive pricing and a wide variety of plans. Open Enrollment periods allow consumers to apply for guaranteed coverage with pre-existing conditions covered. There are no waiting periods or limitations to covered benefits.

The Companies

120 individual and family Marketplace plans are available to persons under age 65. The five participating carriers are Ambetter, CareSource, Medical Mutual, Anthem, Oscar, and SummaCare. Eligible applicants can qualify for federal subsidies that can substantially lower rates. Low-cost catastrophic plans are offered to persons under age 30. Utilizing in-network providers can substantially lower your out-of-pocket expenses. Out-of-area non-emergency coverage is also offered.

Several companies that offer Medicare Supplement contracts in Summit County include New Era Life, Medico, Great Southern Life, Allstate, United States Fire, Humana, Bankers Fidelity,  Mutual Of Omaha, Elips Life, Continental Life, National Health, Anthem, Cigna, AARP-UnitedHealthcare, and Manhattan Life.

A wide variety of under-65 policies are offered, including different Metal tiers, many copays, deductibles and coinsurance, along with several prescription benefit combinations. Choosing the “right” option involves understanding how subsidies, pre-existing conditions (if applicable), and your budgeted premium interact, and the best way to provide the lowest possible out-of-pocket costs. Often, Silver-tier plans that are eligible for “cost-sharing” provide low premiums and manageable out-of-pocket costs.

Most carriers include local hospitals in their Network, such as Akron General Medical Center, Children’s Hospital and St. Thomas Hospital. As the fifth largest city in the state, fortunately, there are many additional facilities located throughout the area that provide additional treatment, including urgent-care and physical therapy. Nearby cities, including Kent, Canton, Cuyahoga Falls, and Barberton also have many available medical facilities.

Most Affordable Healthcare Plans In Akron Area

Many factors (age, zip code, federal subsidy eligibility) can influence the price. However, the policies listed below (Available as 2023 Ohio Marketplace choices) are typically among the least expensive options, and are available to all individuals and families.Additional policies may offer more cost-effective options.

CareSource Marketplace Bronze – $9,100 deductible.

CareSource Marketplace Bronze First – $8,000 deductible with $40 and $80 office visit copays.  $20 copay ($50 mail order) for generic drugs. $50 lab test copay.

Ambetter Clear Bronze – $8,600 deductible with 0% coinsurance. $5 preferred generic drug copay. $25 generic drug copay.

Ambetter Choice Bronze HSA – $6,900 deductible and HSA-eligible.

Ambetter Virtual Access Bronze – $7,000 deductible with $85 pcp office visit copay. $5 preferred generic drug copay. $25 generic drug copay. $75 copay for lab tests.

Oscar Secure – $9,100 deductible with $0 pcp office visit copay for first three virtual care visits.

Medical Mutual Market HMO Young Essentials – $8,700 deductible with $40 pcp office visit copay.

SummaCare Bronze 8000 – $8,000 deductible with 50% coinsurance.

SummaCare Bronze 8700 with 3 Free PCP Visits – $8,700 deductible with 0% coinsurance. $30 pcp office visit copay (first three visits $0 copay).

SummaCare Bronze 7000 HSA – $7,000 deductible with 0% coinsurance. HSA-eligible.

Anthem Bronze Pathway X HMO 8700 – $8,700 deductible with 0% coinsurance.

 

Rates

Rates in the area tend to be more affordable than other parts of the country. For instance, Summit County and Canton area prices are about 15% lower than rates in neighboring states Pennsylvania and Indiana. Medina and Barberton premiums are also very affordable. When compared to bigger cities in the state, such as Toledo and Cleveland, rates in Summit County are about 5%-10% lower.

The least expensive type of off-Exchange coverage is a short-term temporary plan. This type of policy is typically approved in less than 36 hours and is ideal if you are unemployed, a seasonal-only worker between jobs, a graduating student or simply laid off. Anthem Blue Cross and UnitedHealthcare feature very low prices. You can purchase coverage for 30 days, and depending on the carrier, for as long as 36 months.

 

Akron Health Insurance Rates (Under-65)

Our hypothetical family consists of a 45-year-old married couple with two children. They reside in Summit County and the household income is approximately $72,000. The monthly federal subsidy of $959 has been directly applied to the premium. We illustrated several popular plan options below with their monthly premiums:

$14 – SummaCare Bronze 8000

$39 – CareSource Marketplace Bronze

$72 – SummaCare Bronze 8700 and 3 Free PCP Visits

$91 – CareSource Marketplace Bronze First

$179 – SummaCare Bronze 7000 HSA

$207 – Ambetter Essential Care 1

$223 – Anthem Bronze Pathway X HMO 8700

 

University Of Akron Health Plan – Rates And Benefits

Benefits are provided by Anthem Blue Cross and their extensive PPO network. A primary-care physician is not required to visits a specialist. The BlueCard allows covered persons to visit providers and hospitals across the US. A 24/7 Nurse Line is also included along with dental, vision, and hearing discounts. Additional offers are available from Active&Fit Direct, FitBit, Garmin, Jenny Craig, Global Fit, 23andMe, LifeMart, and Puritan’s Pride.

The two available employee plans are listed below:

Active Blue PPO – $600 deductible ($1,200 per family) with $4,500 maximum  out-of-pocket expenses. Primary care physician and specialist office visit copays are $30 and $45. Diagnostic testing and imaging are subject to 25% coinsurance. Tier 1 generic drug copays are $12 and $30. The Urgent Care copay is $70 and the ER copay is $140. Mental and behavioral outpatient health, prenatal and postnatal care, and substance use disorder visits qualify for a $30 copay. An annual children’s eye exam is included.

Active Blue PPO Annual Contribution (Employee Only):

$0-$32,999 Salary – $465

$33,000-$37,999 – $625

$38,000-$49,999 – $704

$50,000-$69,999 – $784

Active Gold PPO – $400 deductible ($800 per family) with $2,500 maximum out-of-pocket expenses. Primary care physician and specialist office visit copays are $25 and $35. Diagnostic testing and imaging are subject to 15% coinsurance. Tier 1 generic drug copays are $10 and $25. The Urgent Care copay is $50 and the ER copay is $100. Mental and behavioral outpatient health, prenatal and postnatal care, and substance use disorder visits qualify for a $25 copay. An annual children’s eye exam is included.

Active Gold PPO Annual Contribution (Employee Only):

$0-$32,999 Salary – $1,197

$33,000-$37,999 – $1,357

$38,000-$49,999 – $1,436

$50,000-$69,999 – $1,516

Delta Dental offers dental coverage with 100% coverage for diagnostic and preventative expenses, 70% for basic services, and 50% for major services. Balance billing protection is included. The employee annual premium is $57 ($117.48 for employee and spouse). VSP Vision coverage is also offered for $118 ($345.48 per family).

 

Senior Medicare Plan Options In Summit County

Medicare Supplement Monthly Rates For 65-Year-Old Male (Female Rates Are Typically Lower)

Plan A

$78 – AARP-UnitedHealthcare

$99 – Humana

$106 – Paramount

$106 – Mutual Of Omaha

$107 – Medical Mutual

$114 – Medico

$114 – Accendo

$116 – Continental Life

$119 – Elips Life

$121 – National Health

$138 – Anthem BCBS

$147 – United American

$165 – Cigna

Plan B

$118 – AARP-UnitedHealthcare

$136 – Continental Life

$150 – United States Fire

$267 – United American

Plan C

$138 – Paramount

$148 – AARP-UnitedHealthcare

$148 – New Era Life

$168 – Heartland National

$173 – Medical Mutual

$239 – Oxford Life

$243 – GPM Health

$283 – United American

$377 – Assured Life

Plan F

$132 – SBLI USA Life

$137 – Elips Life

$138 – AARP-UnitedHealthcare

$140 – Medico

$145 – Paramount

$145 – Mutual Of Omaha

$153 – Humana

$157 – National Health

$158 – Continental Life

$158 – Capitol Life

$161 – Accendo

$166 – Great Southern Life

$174 – Medical Mutual

$197 – Anthem BCBS

$214 – Cigna

$240 – Guarantee Trust Life

Plan F (High Deductible)

$38 – United American

$41 – New Era Life

$42 -Medico

$47 – Great Southern Life

$48 – Humana

$50 – National Health

$57 – Cigna

$70 – Medical Mutual

Plan N

$90 – Medico

$90 – AARP-UnitedHealthcare

$91 – SBLI USA Life

$93 – Elips Life

$94 – National Health

$96 – Mutual Of Omaha

$96 – United States Fire

$97 – Accendo

$97 – Manhattan Life

$97 – New Era Life

Medicare Advantage Plans In Summit County

101 plans are offered by many carriers. Highlighted below are several popular options and their monthly rate.

AARP Medicare Advantage Patriot (PPO-H8768-021-0) –  $0 per month with office visit copays of $0 and $35, and the Urgent Care and ER copays are $40 and $90. The inpatient hospital copay is $275 for 5 days. Physical, occupational and speech therapy copays are $20. Diagnostic tests and procedures have a $25 copay and lab services have a $0 copay. No prescription drug coverage.

AARP Medicare Advantage Plan 7 (HMO-H5253-049-0) – $0 per month with $175 deductible. Office visit copays are $5 and $40, and the Urgent Care and ER copays are $40 and $90. The inpatient hospital copay is $325 for 5 days. Physical, occupational and speech therapy copays are $35. Diagnostic tests and procedures have a $30 copay and lab services have a $0 copay. Preferred pharmacy prescription drug copays are $3 (Tier 1), $12 (Tier 2), and $47 (Tier 3).

AARP Medicare Advantage Plan 1 (HMO-H5253-050-0) – $19 per month with $0 deductible. Office visit copays are $0 and $35, and the Urgent Care and ER copays are $40 and $90. The inpatient hospital copay is $295 for 4 days. Physical, occupational and speech therapy copays are $20. Diagnostic tests and procedures have a $30 copay and lab services have a $0 copay. Preferred pharmacy prescription drug copays are $0 (Tier 1), $10 (Tier 2), and $45 (Tier 3).

AARP Medicare Advantage Plan 3 (HMO-H5253-051-0) – $111 per month with $0 deductible. Office visit copays are $5 and $25, and the Urgent Care and ER copays are $40 and $90. The inpatient hospital copay is $225 for 4 days. Physical, occupational and speech therapy copays are $25. Diagnostic tests and procedures have a $35 copay and lab services have a $0 copay. Preferred pharmacy prescription drug copays are $0 (Tier 1), $8 (Tier 2), and $45 (Tier 3).

AARP Medicare Advantage Plan 8 (HMO-H5253-115-0) – $25 per month with $0 deductible. Office visit copays are $5 and $35, and the Urgent Care and ER copays are $40 and $90. The inpatient hospital copay is $295 for 5 days. Physical, occupational and speech therapy copays are $20. Diagnostic tests and procedures have a $30 copay and lab services have a $0 copay. Preferred pharmacy prescription drug copays are $0 (Tier 1), $10 (Tier 2), and $47 (Tier 3).

Anthem MediBlue Access (PPO-H4036-025-0) –  $56 per month with $0 deductible. Office visit copays are $0 and $40, and the Urgent Care and ER copays are $35 and $90. The inpatient hospital copays  $275 for 6 days. Physical, occupational and speech therapy copays are $30. Diagnostic tests and procedures have a $0-$150 copay and lab services have a $0-$15 copay. Preferred pharmacy prescription drug copays are $4 (Tier 1), $15 (Tier 2), and $42 (Tier 3).

Anthem MediBlue Preferred (HMO-H3655-045-4) –  $0 per month with $0 deductible. Office visit copays are $0 and $35, and the Urgent Care and ER copays are $30 and $90. The inpatient hospital copays  $310 for 7 days. Physical, occupational and speech therapy copays are $35. Diagnostic tests and procedures have a $0-$250 copay and lab services have a $0-$10 copay. Preferred pharmacy prescription drug copays are $4 (Tier 1), $10 (Tier 2), and $42 (Tier 3).

Anthem MediBlue Preferred Plus (HMO-H3655-042-0) –  $19 per month with $0 deductible. Office visit copays are $0 and $35, and the Urgent Care and ER copays are $30 and $90. The inpatient hospital copays  $350 for 5 days. Physical, occupational and speech therapy copays are $40. Diagnostic tests and procedures have a $0-$250 copay and lab services have a $0-$10 copay. Preferred pharmacy prescription drug copays are $4 (Tier 1), $10 (Tier 2), and $42 (Tier 3).

CareSource Advantage Zero Premium (HMO-H6396-013-0) –  $0 per month with $150 deductible. Office visit copays are $10 and $0-$50, and the Urgent Care and ER copays are $45 and $90. The inpatient hospital copays  $380 for 5 days. Physical, occupational and speech therapy coinsurance is 20%. Diagnostic tests and procedures have a $35 copay and lab services have a $35 copay. Preferred pharmacy prescription drug copays are $5 (Tier 1), $15 (Tier 2), and $45 (Tier 3).

CareSource Advantage (HMO-H6396-011-0) –  $25 per month with $75 deductible. Office visit copays are $0 and $0-$35, and the Urgent Care and ER copays are $35 and $90. The inpatient hospital copays  $285 for 7 days. Physical, occupational and speech therapy copay is $40. Diagnostic tests and procedures have a $0 copay and lab services have a $0 copay. Preferred pharmacy prescription drug copays are $4 (Tier 1), $10 (Tier 2), and $45 (Tier 3).

Cigna True Choice Medicare (PPO-H7849-015-0) –  $0 per month with $0 deductible. Office visit copays are $0 and $30, and the Urgent Care and ER copays are $45 and $90. The inpatient hospital copays  $360 for 5 days. Physical, occupational and speech therapy copay is $30. Diagnostic tests and procedures have a $0-$50 copay and lab services have a $30 copay. Preferred pharmacy prescription drug copays are $4 (Tier 1), $10 (Tier 2), and $45 (Tier 3).

Devoted Health Core (HMO-H2697-001-0) –  $0 per month with $0 deductible. Office visit copays are $0 and $30, and the Urgent Care and ER copays are $0-$35 and $90. The inpatient hospital copays  $310 for 7 days. Physical, occupational and speech therapy copay is $20-$40. Diagnostic tests and procedures have a $0-$50 copay and lab services have a $0-$50 copay. Preferred pharmacy prescription drug copays are $0 (Tier 1), $0 (Tier 2), and $42 (Tier 3).

Humana Cleveland Clinic Preferred (HMO-H6622-023-0) –  $0 per month with $0 deductible. Office visit copays are $0 and $35, and the Urgent Care and ER copays are $0-$35 and $120. The inpatient hospital copays  $350 for 5 days. Physical, occupational and speech therapy copays are $10-$40. Diagnostic tests and procedures have a $0-$105 copay and lab services have a $0-$25 copay. Preferred pharmacy prescription drug copays are $0 (Tier 1), $5 (Tier 2), and $47 (Tier 3).

MedMutual Advantage Classic (HMO-H6723-001-0) –  $0 per month with $160 deductible. Office visit copays are $5 and $45, and the Urgent Care and ER copays are $45 and $90. The inpatient hospital copays  $360 for 5 days. Physical, occupational and speech therapy copays are $40. Diagnostic tests and procedures have a $0-$10 copay and lab services have a $0-$10 copay. Preferred pharmacy prescription drug copays are $0 (Tier 1), $15 (Tier 2), and $42 (Tier 3).

MeridianCare Essential (HMO-H5475-022-0) –  $0 per month with $160 deductible. Office visit copays are $0 and $35, and the Urgent Care and ER copays are $0 and $90. The inpatient hospital copays  $295 for 5 days. Physical, occupational and speech therapy copays are $35. Diagnostic tests and procedures have a $50-$100 copay and lab services have a $0 copay. Preferred pharmacy prescription drug copays are $0 (Tier 1), $15 (Tier 2), and $47 (Tier 3).

Small Business Coverage

Owners of small businesses can take advantage of the SHOP Exchange, which provides viable options for employers with 50 employees or fewer. Employee participation can be managed, and premiums can be billed and paid online. Workers can also enroll online instead of filling out long applications as in past years.

As an owner, there are choices regarding how much of a contribution match to make, how long will the open enrollment last and length of waiting period before benefits begin. An experienced broker can help (no charge or change in premium) or it can be handled internally with no assistance.

NOTE: The Greater Akron Chamber of Commerce and SummaCare have partnered for more than 25 years to offer discounted coverage in the following counties: Wayne, Cuyahoga, Geauga, Stark, Wayne, Medina, Summit and Portage.

Raise That Deductible

A family of three in Summit County can reduce their premium by more than $2,000 per year by raising the deductible. Eliminating unneeded coverages will also reduce the insurance rate. “Catastrophic” only policies will save the most premiums. HSA plans (View Details Here) should also be considered to reduce premiums. An HSA is an alternative to medical coverage that allows consumers to pay for current expenses on a tax-free basis.

Akron General Hospital Partnership

If you live in the downtown area, and your household income is near or below the Federal Poverty Level (FPL), primary care physician and maternity services are now provided at the outpatient facility located on Broadway. AxessPointe Community Health Center is also offering obstetrics/gynecology seminars for its customers.

The hospital actually owns the building and will provide physicians and residents of the Medical School to coordinate the training. As a federally-qualified center, extensive online training is available, and the hospital expects to save more than $1 million each year by reducing expenses.

More than 15,000 new patients annually are expected to be treated with about 50 residents gaining additional experience. AxessPointe is also adding locations at Summa St. Hospital and the Portage Path Behavioral facility.

For a quick Akron health insurance quote, simply use the area at the top of the page to provide your zip code.  You can also talk to a live person by calling us. In minutes, we can effectively explain your best options in Summit County and the surrounding area.