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  persons on Cobra can apply for low-cost coverage through our website.

Whether you need a high-deductible plan to lower the premium, or a budget option that includes office visits and prescription drugs, many options are available. Recent increases in the federal instant tax credit have made available dozens of plans that cost less than $25 per month. Household income and policy selection will impact the cost of coverage.

As Ohio’s respected resource for affordable medical coverage, we guarantee the rates you view are the lowest allowable by each company. There are no Agency fees and perhaps most importantly, your personal information is not shared or sold. Both Marketplace plans for persons under age 65, and Senior Medicare plans are regulated by the state to help protect Buckeye State consumers. Medigap plans are typically offered to applicants that have reached age 65.

“No-cost” plans are offered to many applicants. When the cost of the available federal instant tax credit exceeds the cost of an Exchange policy, quality benefits are provided with no out-of-pocket premium costs. However, you still must pay any applicable copays, coinsurance, or deductibles. If there are multiple persons covered on the policy, two deductibles may have to be met. Often, your total out-of-pocket costs on Silver-tier plans will reduce by thousands of dollars when utilizing “cost-sharing” options. Typically, these plans will provide a better value than Gold-tier or Platinum-tier plans.


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 $8,700. 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 $8,700. 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.

There also  may be a cap on the number of primary care physician (pcp) visits allowed that do not have to meet the policy deductible. Three available office visits that are not subject to a copay is a common benefit. Online virtual office visits, if available, may also be offered with a small or $0 copay.

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. Often, employers will contribute funds into an employee’s account.

HSA rates in Ohio 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 $55,000. 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 (Clermont County)

$10 – Essential Care 1 (Ambetter)

$56 – Marketplace Bronze (CareSource)

$58 – Essential Care 10 (Ambetter)

$87 – Essential Care 5 (Ambetter)

$103 – Essential Care 2 HSA (Ambetter)

$113 – Marketplace Bronze First (CareSource)

$154 – Constant Care Silver 7 250 (Molina)

$159 – Market HMO 8700 (Medical Mutual)

$163 – Market HMO 8000 (Medical Mutual)

$175 – Constant Care Silver 4 250 (Molina)


45458 (Montgomery County)

$0 – Bronze Pathway X HMO 8700 (Anthem)

$0 – Bronze Pathway X HMO 6850 0 For HSA (Anthem)

$0 – Bronze Pathway X HMO 5500 (Anthem)

$0 – Bronze Pathway X HMO 5000 (Anthem)

$0 – Bronze Pathway X HMO 6000 20 For HSA (Anthem)

$0 – Bronze Pathway X HMO 6000 (Anthem)

$77 – Market HMO 8700 (Medical Mutual)

$81 – Market HMO 8000 (Medical Mutual)

$116 – Market HMO 7000 HSA (Medical Mutual)

$144 – Essential Care 1 (Ambetter)


45502 (Clark County)

$0 – Essential Care 1 (Ambetter) 

$0 – Essential Care 10 (Ambetter)

$45 – Essential Care 2 HSA (Ambetter)

$47 – Core Care Bronze 2 (Molina) 

$56 – Core Care Bronze 1 (Molina)

$74 – Core Care Bronze 5 (Molina)

$75 – Bronze Pathway X HMO 8550 (Anthem)


43232 (Franklin County)

$0 – Essential Care 1 (Ambetter)

$0 – Essential Care 10 (Ambetter)

$19 – Bronze Simple (Oscar)

$24 – Bronze Classic (Oscar) 

$42 – Essential Care 2 HSA (Ambetter)

$46 – Bronze Classic PCP Copay (Oscar)

$88 – Bronze HDHP (Oscar)


44122 (Cuyahoga County)

$7 –  Essential Care 1 (Ambetter) 

$30 – Essential Care 10 (Ambetter)

$71 – Essential Care 2 HSA (Ambetter)

$72 – Core Care Bronze 2 (Molina)

$79 – Marketplace Bronze (CareSource)

$81 – Core Care Bronze 1 (Molina)

$97 – Core Care Bronze 5 (Molina)


44232 (Summit County)

$0 – Essential Care 1 (Ambetter)

$4 – Marketplace Bronze (CareSource)

$7 – Essential Care 10 (Ambetter)

$53 – Essential Care 2 HSA (Ambetter)

$101 – Marketplace HSA Eligible Bronze (CareSource)

$229 – Balanced Care 29 (Ambetter)

$239 – Balanced Care 12 (Ambetter)


43402 (Wood County)

$0 – Essential Care 1 (Ambetter)

$6 – Marketplace Bronze (CareSource)

$17 – Core Care Bronze 2 (Molina)

$20 – Essential Care 10 (Ambetter)

$25 – Core Care Bronze 1 (Molina)

$43 – Core Care Bronze 1 (Molina)

$182 – Paramount Bronze 2 HRA


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 $2,370, 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. It is one of two new standardized plans that was recently offered. It provides the benefits that Plan G offers, but at a lower cost. The deductible is $2,370.

Covered Plan F (HD) 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. Plan G (HD) provides all of these benefits except the Part B deductible ($203). Since first-dollar plans are no longer offered, applicants with guarantee-issue rights may be able to enroll in Plan G (HD). Companies that offer Plan G (HD) Medicare Supplement plans in Ohio are listed below:

Bankers Fidelity Assurance

Continental Life


Mutual Of Omaha

New Era Life

United American

United States Fire

To compare or apply for an Ohio health insurance plan, please request your free quote. You are guaranteed to receive the lowest available prices from each carrier. Regardless if you need cheap health insurance in Ohio, or a low-deductible and low-copay plan, may options are available.