Affordable Ohio Health Insurance Plans

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Low-cost medical plans in Ohio are exactly what you expect – easy on your budget! Generally, these policies cost 30%-60% less than most other healthcare plans, but still provide many of the benefits and coverage you need. Since you can easily customize the policies to match your budget and specific concerns, these “bargain” options have become very popular, and don’t have to be purchased through an employer.

We are a local Ohio Agency and we guarantee that your quoted rate will be the lowest available by each company. Instantly, you can look up, compare or apply for high quality medical insurance policies. It does not matter if you are single, a family of eight, uninsured or self-employed, we research all available plans and provide the best and most affordable options. A variety of choices from multiple carriers can be instantly viewed.

Local Expert Guidance

As an Ohio-based company, we offer insurance to individuals and small businesses. Both federally-subsidized Marketplace plans, and non-Obamacare policies are offered. Whether you live in Cincinnati, Toledo or any part of the state, we study local prices so you can quickly compare the options that best fit your household needs. If you are eligible for free financial help from the government, we feel it’s important you know about it.

A combination of human and modern technology is used to provide the widest assortment of coverage, benefits and online applications. We understand that the Affordable Care Act legislation helps many persons by providing federal subsidies, but also hurts many others by forcing them to change policies or doctors. Quality coverage at a reasonable price is available and we show you the specific economical plans.

There simply is no better available source for accurate up-to-date information at the lowest published cost. We also update rates daily so the quotes you view are as accurate as possible. If there is a discount or perk offered by a carrier, you’ll receive it immediately. We watch every dollar you spend because you do too! If your budget is tight, a policy that does not provide maternity or pre-existing conditions coverage should be considered.

Creation Of Marketplace And Impact On Ohio Healthcare Coverage

There was a lot of confusion created when the Ohio Exchange/Marketplace was discussed and created. Applying for medical coverage now involves calculating federal tax subsidies along with comparing “Metal” plans such as Bronze and Silver options. We’re here to help and we know our expert guidance will make it easy to determine the most affordable policy to apply for.

We are also very “user friendly” as we have designed this website to make it easy for you to find the information you need. Of course, you can always contact us (see contact information at the top of the page) and a live person will either call or email you…which ever method you prefer. Typically, you can receive a live response until midnight. Applying or enrolling is available 24/7.

Whether your need is for a few months or 20 years, we carefully review hundreds of available medical plans. We’ll explain why we recommend certain policies and make the application process much easier than you ever imagined. Generally, by using our enrollment links, it only takes about 10 minutes to apply for on or off-Exchange coverage. Additional dental and vision products are also offered. PPO, HMO, EPO, and indemnity plans provide a large selection of network provider options.

How Much Does “Budget” Coverage Cost?

Depending upon your federal subsidy, the rate could be as low as $0! Marketplace policies purchased during the Open Enrollment period (November 1-December 15) are eligible for large financial subsidies. Silver-tier plans may also qualify for cost-sharing reductions, that can potentially reduce out-of-pocket costs for deductibles, coinsurance, and copays. Special cost-sharing rules apply to American Indians living in the Buckeye State.

Safety Of Companies

Only companies rated “A” by A.M. Best Company are considered. Also used are the most recent “Ohio complaint ratios” furnished by the Department Of Insurance. Medical insurance plans will not be used from companies that continuously have high complaint ratios. Also, no “discount plan” will ever be considered, since their listed benefits are confusing, and many medical providers do not recognize their product.

“Discount plans” are typically offered by out-of-state telemarketers that provide only vague information. Often, there is a large application fee and the company is not a recognized name. Contacting these companies is also difficult. If contacted by their sales representatives, do not disclose any personal or financial information.

We offer multiple ways to apply for legitimate plans. You can handle the process yourself, or we’ll help you step-by step. When Open Enrollments and tax subsidies are involved, you may find our free advice very helpful. Often, replacing an existing plan is not necessary, unless rates have substantially increased, or your physician or medical facility is no longer in the provider network. Although plans can be discontinued, generally they are renewed and available the following year.

Call us, email or utilize the free quote button at the top of the page. We understand that comparing and applying for medical coverage in Ohio is not how you prefer to spend your extra time. We’ll do our best to ensure that it is time well-spent.