Affordable Ohio Health Insurance Plans

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Cheap Ohio health insurance plans are available from many major health care providers (private and employer-provided) including  Anthem Blue Cross, Aetna, UnitedHealthcare, Medical Mutual, SummaCare, CareSource, Ambetter, Oscar, and Humana. Individuals, families, the self-employed, the uninsured, students, and those persons on Cobra can apply for low-cost coverage through our website. As Ohio’s respected resource for affordable medical coverage, we guarantee the rates you view are the lowest allowable by each company.

Catastrophic Policies

Catastrophic plans are the least expensive type of medical coverage. Typically, this type of plan provides major medical benefits that are subject to a deductible, typically between $5,000 and $8,550. With most plans, the higher the deductible, the lower the rate. Coinsurance can vary between 0% and 50%, and out-of-pocket expenses can also reach $8,550. Online telemed visits are covered without a copay with many carriers.

If you are under age 30 or qualify for several financial hardship exceptions, a “catastrophic” Exchange plan can be purchased. However, since these contracts are not eligible for federal subsidies, unless your household income exceeds financial aid eligibility levels, a “Bronze-tier” policy may be less expensive and offer lower out-of-pocket costs for office visits and generic prescriptions. Also, there  may be a cap on the number of primary care physician (pcp) visits allowed that do not have to meet the policy deductible.

HSA Options

An HSA may be compatible with this type of coverage if it is defined as a “High Deductible Health Plan” (HDHP). There are several Marketplace options that are considered “HSA-eligible.” However, several companies, such as Medical Mutual, Oscar, and SummaCare, only offer policies in specific areas of the state instead of all counties. Aetna, Humana, UnitedHealthcare, and other insurers offer HDHP (high-deductible health plans) through employers.

HSA rates are generally much less expensive than conventional health plans. Small business owners and the self-employed often prefer this type of contract. Similar lower-cost options became available through the Exchange that began six years ago. No person can be denied for medical reasons and a federal subsidy (as previously mentioned) is available if certain income requirements are met. After submitting a quote request, your eligibility can be quickly determined.

Cheapest Health Insurance Rates In Ohio

We have listed below the least expensive options for individual and family coverage in random zip codes. Our hypothetical household consists of two married persons (age 48) with one dependent, and household income of $52,000. The federal instant tax-credit has been applied to reduce the premium. Of course, plan availability and pricing will be impacted depending on your county of residence. Rates shown are monthly.


45244 (Hamilton County)

$75 – Essential Care 1 (Ambetter)

$101 – Essential Care 10 (Ambetter)

$120 – Core Care Bronze 2 (Molina)

$128 – Core Care Bronze 1 (Molina)

$145 – Core Care Bronze 5 (Molina)


45458 (Montgomery County)

$112 – Market HMO 7900 (Medical Mutual) 

$150 – Market HMO 6750 HSA (Medical Mutual)

$254 – Balanced Care 11 (Ambetter) 

$268 – Balanced Care 5 (Ambetter) 

$269 – Market HMO 5250 HSA (Medical Mutual)


45502 (Clark County)

$138 – Market HMO 7900 (Medical Mutual) 

$177 – Market HMO 6750 HSA (Medical Mutual)

$254 – Balanced Care 11 (Ambetter) 

$268 – Balanced Care 5 (Ambetter) 

$300 – Market HMO 5250 HSA (Medical Mutual)


43232 (Franklin County)

$0 – Simple Bronze (Oscar) 

$1 – Classic Bronze (Oscar)

$5 – Saver Bronze (Oscar)

$27 – Market HMO 7900 (Medical Mutual) 

$66 – Market HMO 6750 HSA (Medical Mutual)


44122 (Cuyahoga County)

$68 –  Marketplace Bronze (CareSource)

$124 – Marketplace HSA (CareSource)

$201 – Market HMO 7900 (Medical Mutual) 

$241 – Market HMO 6750 HSA (Medical Mutual)

$254 – Balanced Care 11 (Ambetter)


44232 (Summit County)

$0 –  Marketplace Bronze (CareSource)

$43 – Marketplace HSA (CareSource)

$214 – Market HMO 7900 (Medical Mutual)

$254 – Balanced Care 11 (Ambetter)

$255 – Market HMO 6750 HSA (Medical Mutual)


43402 (Wood County)

$0 – Market HMO 7900 (Medical Mutual) 

$0 – Market HMO 6750 HSA (Medical Mutual)

$0 – Marketplace HSA (CareSource)

$0 – Marketplace Bronze (CareSource)

$2 – Paramount Bronze 1 HSA


Many cheap plans are available…and pre-existing conditions are covered. You can also view additional company information. However, if you are currently being treated for a chronic illness, or are prescribed multiple, non-generic medications, enrolling in a more expensive plan may be a more suitable choice. For instance, in these situations, often upgrading and paying $100 per month more in premiums, will result in savings of thousands of dollars each year. If treatment is ongoing, expenses will continue to be covered.

Senior Medicare Supplement Coverage

Plan F (High Deductible) provides an option to obtain Medigap benefits with a deductible of $2,300, and then 100% coverage after the deductible has been satisfied. However, although the monthly cost of the policy is low, more out-of-pocket expenses may be required compared to other plans. Plan G (HD) is offered to applicants that became eligible for Medicare in 2021.

Covered benefits include Part A coinsurance and hospital expenses, Part B copayment or coinsurance, first three pints of blood, Part A hospice care coinsurance or copay, skilled nursing facility care coinsurance, Part A and Part B deductibles, Part B excess charges, and foreign travel emergency coverage.

To compare or apply for an Ohio health insurance plan, please click on the “Get Instant Quote” button at the top of this page. You are guaranteed to receive the lowest available prices from each carrier.