Affordable Ohio Health Insurance Plans

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Affordable health insurance in Cleveland is available directly from our website in minutes. Compare multiple carriers and choose single and family plans that provide comprehensive benefits at a surprisingly low cost. Ohio medical coverage is offered by many top-rated companies. Senior Medigap plans (Advantage, Part D, and Supplement) are available to applicants that are eligible for Medicare in Cuyahoga County.

With or without the help of federal tax subsidies, we show you the lowest direct rates from all available companies. Whether you live in Shaker Heights, Beachwood, Cleveland Heights, or the surrounding area, there are affordable options for persons under age 65 and Seniors. Most companies extend their provider network to Western Pennsylvania, with emergency treatment covered throughout the US. Many Michigan and Pennsylvania  providers are also included in local networks.

Available Companies

We provide the lowest prices offered from all of the major carriers. No other person, website or Exchange can legally offer a lower premium since plans are regulated to protect consumers. Companies available for persons under age 65 are Ambetter (Buckeye Health), Anthem, Medical Mutual,  Molina, Oscar, and CareSource. UnitedHealthcare (see below), Aetna, and Humana offer Group plans for small and large businesses, but not private coverage. InHealth and HealthSpan have exited the Buckeye State market.

Additional carriers that offer non-compliant short-term plans are Anthem, HCC Life, National General, and IAC Group. Along with UnitedHealthcare, these companies offer the most competitive temporary contracts that can be used up to 12 months. However, expenses resulting from existing conditions are not covered, and federal subsidies are not applicable. Also, often maximum covered expenses are capped at $2 million, and a deductible may apply to preventative expenses.

Urgent Care, ER, and outpatient surgery claims are covered, but may be subject to a deductible. Often, prescription drug benefits may be limited, or capped at specific levels. A 24-hour nurse line is typically available along with telemed services. A small copay may apply to online physician visits, although generally there is no limit to the number of times they can be utilized.

Senior Medicare Companies

Carriers that offer Senior Medicare Supplement products in Cleveland include AARP-UnitedHealthcare, Accendo, Anthem BCBS, Assured Life, Bankers Fidelity, Capitol Life, Cigna, Colonial Penn, Continental Life, Elips Life, Everence, Globe Life, Humana, Manhattan Life, Medical Mutual, Medico, Mutual Of Omaha, National Health, Oxford Life, Paramount, Physicians Life, State Farm, Transamerica, USAA Life, Union Security, USAA, and United States Fire.

For 2023, approximately 100 MA plans are offered in Cuyahoga County. Companies underwriting contracts include AARP-UnitedHealthcare, Aetna, Anthem, Buckeye Health, CareSource, Cigna, CommuniCare, Devoted Health, Humana, Lasso, Medical Mutual, Molina, Paramount, Perennial Advantage, SummaCare, The Health Plan, UnitedHealthcare, Valor, and Wellcare.

Ohio Health Insurance Marketplace

The Ohio State Exchange (Marketplace) has been operational for five years and Open Enrollment occurs every year. For 2023 coverage, the OE period was from November 1 through January 15th. However, you can obtain medical coverage at any time throughout the year if you qualify for a Special Enrollment Period (SEP) exemption. The Administration’s new healthcare legislation and changes (if approved) may be implemented in 2024.

After you view a customized and personal quote on our website, you can easily enroll in a plan in less than 15 minutes. We also help determine if you are eligible for a federal subsidy, and also calculate the amount that can be directly applied to reduce your rate. If you are Medicaid or Medicare-eligible, we’ll help you obtain the benefits you are entitled to.

Since the subsidy (only for persons under age 65) is treated as an “instant” tax credit, it immediately reduces your premium. Dependents in your household that are covered through other policies will still be counted, and will increase the amount of your subsidy. Also, a spouse that is Medicare-eligible will generate additional financial aid for other members of the household. NOTE: Dependents that file their own tax returns can not be considered in your financial aid calculation. You can also choose a policy that receives no state or federal subsidies.

COSE

In some situations, COSE (Council Of Smaller Enterprises) can help small business owners with Worker’s Compensation issues and selecting a plan. With more than four decades of experience and more than 10,000 active members, they can offer recommendations regarding legislation changes, becoming involved in community events, and promoting your company to other consumers and business owners. Networking, legislative issue information, and educational events are also provided.

COSE partners with Medical Mutual to offer small and large group coverage. A self-insured benefit option is also offered. You can customize benefits to match the budget of both the worker and business owner. Stand-alone coverage can be selected along with several additional benefits (dental, vision, life, wellness, and disability). Three different types of savings accounts are also available (HSA, HRA, and FSA). A self-insured benefit option is also available, along with weight-management and smoking cessation programs.

Ask us about COSE and whether you can benefit by any of their products. They are located on Huron Avenue and service the entire area. There are many local events that may help increase your client base. Each year they host their “Business Pitch Competition” which awards prize money to the best entries. However, if you need individual and family coverage, utilizing our website is still the best option.

Available Small-Group Plans: Gold 2520-2000 Rx, Gold 2000 HSA/HRA Aggregate MMRx, Silver 1500 MMRx, Silver 2750 HSA MMRx, Silver 3500-5000 HSA/HRA MMRx, Silver 3500-6500 HSA/HRA MMRx, Silver 3020-4000 Rx, Silver 4000 HSA MMRx, Silver 5000 ES-HSA MMRx, Silver 6500 HSA/HRA MMRx, Bronze 4000 HSA MMRx, Bronze 5000 HSA MMRx, Bronze 6000 HSA MMRx, and Bronze 4000-6000 MMRx.

Cuyahoga County

Cuyahoga County is part of “rating area 11,” which consists of four other counties (Ashtabula, Geauga, Lake and Lorain). There are many similar areas in the state, and if you move to a different area, you may be eligible to re-enroll in a different plan since your local provider network may have changed. Prices are likely to be different and some companies (such as SummaCare) may not offer policies in that area. Rates in nearby areas can vary. For example, Rates in Wadsworth, Strongsville, and Solon, may be different than prices in Hudson, Euclid, or Elyria.

Types Of Available Plans

Cleveland health insurance plans include short-term, catastrophic, comprehensive and HSA policies, and rates can substantially vary, depending on the available benefits. While we feel it is important to ensure that your benefits match your needs, we believe it is equally important to avoid paying for benefits you will never use.

If you need to secure a policy quickly (within the next few days), we will recommend a policy that substantially reduces the rate and allows you to keep coverage only as long as you need. Currently,  UnitedHealthcare offers the lowest short-term health insurance rates. National General utilizes the Aetna PPO network and  often approves policies quicker. Anthem’s temporary plans are more expensive although they cover many pre-existing conditions.

During Open Enrollment, and SEP periods throughout the year, you can choose more comprehensive plans, although next-day coverage may not be available. Typically, the effective date can be the first day of the month following your application date (assuming it is before the 15th of the month). If you don’t apply for a Marketplace plan within 60 days of when the SEP period began, guaranteed coverage for existing conditions may not be available.

Temporary policies (earlier mentioned) work best if you have missed Open Enrollment, or are waiting for new benefits to begin, but have a short gap that needs to be filled. Whether you’re waiting for Open Enrollment for Exchange benefits, qualify for Medicare, or enroll in a student medical plan, these types of contracts can be both quickly approved and terminated when you don’t need it.

 

The Most Affordable Cleveland Health Plans – Examples

It is possible to obtain reasonable rates in Cuyahoga county or any other part of the state. Raising the deductible on the hospital/surgical portion of the policy can save hundreds or thousands of dollars per year. Increasing copay amounts of office visits and prescriptions can also save significant amounts of premium dollars.

Listed below are current monthly rates for several different Cuyahoga County households:

Married couple (Both ages 55) with household income of $57,000.

$0CareSource Marketplace Bronze

$16CareSource Marketplace Bronze Dental, Vision, And Fitness

$17CareSource Marketplace Bronze First

$37CareSource Marketplace Bronze First Dental, Vision, And Fitness

$86Medical Mutual Market HMO 9100 

$106Medical Mutual Market HMO 8000

 

30-year-old with household income of $34,000.

$36 CareSource Marketplace Bronze

$41Caresource Marketplace Bronze Dental, Vision, and Fitness

$42CareSource Marketplace Bronze First 

$47CareSource Marketplace Bronze First Dental, Vision, And Fitness

$59Medical Mutual Market HMO 9100 

$64Medical Mutual Market HMO 8000

 

45-year-old married couple and one child (3 persons) with household income of $64,000.

$15 CareSource Marketplace Bronze

$31Caresource Marketplace Bronze Dental, Vision, and Fitness

$34CareSource Marketplace Bronze First 

$51CareSource Marketplace Bronze First Dental, Vision, And Fitness

$91Medical Mutual Market HMO 9100 

$107Medical Mutual Market HMO 8000

 

55-year-old married couple and two children (4 persons) with household income of $93,000.

$89 CareSource Marketplace Bronze

$116Caresource Marketplace Bronze Dental, Vision, and Fitness

$121CareSource Marketplace Bronze First 

$150CareSource Marketplace Bronze First Dental, Vision, And Fitness

$219Medical Mutual Market HMO 9100 

$246Medical Mutual Market HMO 8000

 

HSA Plans 

Health Savings Accounts (HSAs) are also an option worth considering if preventative and catastrophic coverages are your main priorities.  HSA rates will vary greatly, depending on the deductible and carrier. This type of plan must be classified as an HDHP (High Deductible Health Plan) to enjoy all tax advantages and deductibility features. Also, if you receive “cost-sharing” from your Silver-tier plan, you may invalidate some of the main features of the contract.

Policyholders that become eligible for Medicare can utilize accumulated funds to pay for qualified out-of-pocket expenses. But contributions can no longer be deposited. Both Advantage and Supplement plan expenses are eligible.

Sample HSA monthly rates are shown below. Prices are based on a married couple (both persons age 55) with $50,000 household income residing in Cuyahoga County. 

$58 – Medical Mutual Market HMO 7000 HSA ($7,000 deductible with $7,000 maximum out-of-pocket expenses and 0% coinsurance)

$122 – UnitedHealthcare Bronze Value HSA $6,700 Deductible  ($6,700 deductible with $7,500 maximum out-of-pocket expenses and 50% coinsurance)

$225 – Medical Mutual Market HMO 7000 HSA Northern Ohio ($7,000 deductible with $7,000 maximum out-of-pocket expenses and 0% coinsurance) 

$238 – Ambetter Choice Bronze HSA ($6,900 deductible with $6,900 maximum out-of-pocket expenses and 0% coinsurance) 

$433 – Medical Mutual Market HMO 4000 HSA  ($4,000 deductible with $5,850 maximum out-of-pocket expenses and 40% coinsurance) 

$465 – Anthem Bronze Pathway X HMO 7400/0% for HSA ($7,450 deductible with $7,450 maximum out-of-pocket expenses and 0% coinsurance)

$486 – Anthem Bronze Pathway X HMO 6000/20% for HSA ($6,000 deductible with $7,450 maximum out-of-pocket expenses and 20% coinsurance)

$588 – Oscar Bronze Simple HSA ($5,200 deductible with $7,450 maximum out-of-pocket expenses and 50% coinsurance) 

$648 – Medical Mutual Market HMO 4000 HSA Northern Ohio ($4,000 deductible with $5,850 maximum out-of-pocket expenses and 30% coinsurance)

$862 – Anthem Silver Pathway X HMO 3200/10% for HSA ($3,200 deductible with $7,450 maximum out-of-pocket expenses and 10% coinsurance)

$892 – Oscar Silver Simple HSA ($4,850 deductible with $4,850 maximum out-of-pocket expenses and 0% coinsurance)

$897 – Anthem Silver Pathway X HMO 5400/0% for HSA ($5,400 deductible with $5,400 maximum out-of-pocket expenses and 0% coinsurance) 

 

Cleveland Senior Medigap Options

Medicare Supplement

Rates shown below are based on a 65 year-old male residing in Cuyahoga County. Female rates are often lower. Estimated prices are regularly updated. Companies typically do not offer all available plans.

Plan A

$80 – AARP – UnitedHealthcare

$103 – Medical Mutual

$106 – Paramount

$106 – Mutual Of Omaha

$107 – Medical Mutual

$112 – Humana

$114 – Medico

$114 – Accendo

$116 – Continental Life

$119 – Elips Life

$121 – National Health

$123 – Cigna

$123 – New Era Life

$124 – ADLAC

$124 – SBLI USA Life

 

Plan C

$138 – Paramount

$154 – AARP – UnitedHealthcare

$157 – New Era Life

$166 – Medical Mutual

$185 – Heartland National

$252 – Oxford Life

$279 – GPM Health

$283 – United American

$391 – Assured Life

 

Plan F

$132 – SBLI USA Life

$137 – Elips Life

$138 – AARP-UnitedHealthcare

$140 – Medico

$145 – Paramount

$145 – Mutual Of Omaha

$146 – Central States

$153 – United States Fire

$153 – Manhattan Life

$157 – National Health

$158 – Continental Life

$158 – Capitol Life

$161 – Accendo

$164 – Humana

$166 – Great Southern Life

$170 – Bankers Fidelity

$173 – Medical Mutual

$173 – New Era Life

$189 – Union Security

$197 – Anthem BCBS

$214 – Cigna

$217 – Sentinel Security

$240 – Guarantee Trust Life

 

Plan F (High Deductible)

$38 – United American

$41 – New Era Life

$42 – Medico

$47 – Great Southern Life

$48 – National Health

$50 – Humana

$57 – Cigna

$73 – Medical Mutual

 

Plan G

$109 -AARP-UnitedHealthcare

$115 – Medico

$121 – Elips Life

$123 – Mutual Of Omaha

$123 – National Health

$124 – Paramount

$125 – SBLI USA Life

$125 – New Era Life

$125 – United States Fire

$125 – Continental Life

$129 – Manhattan Life

$129 – Accendo

$129 – Heartland National

$130 – Anthem BCBS

$131 – Capitol Life

$132 – Oxford Life

$132 – Medical Mutual

$139 – Humana

$142 – Bankers Fidelity

$173 – Sentinel Security

$175 – GPM Health

$197 – Guarantee Trust Life

$223 – United American

$289 – Assured Life

 

Plan G (High Deductible)

$38 – New Era Life

$38 – United American

$40 – Medico

$46 – Bankers Fidelity

$46 – United States Fire

$48 – Mutual Of Omaha

$48 – Elips Life

$49 – Humana

$53 – Continental Life

$55 – Bankers Fidelity

 

Plan N

$88 – AARP-UnitedHealthcare

$90 – Medico

$91 – SBLI USA Life

$93 – Elips Life

$94 – National Health

$96 – Mutual Of Omaha

$97 – Accendo

$97 – Manhattan Life

$97 – New Era Life

$97 – National Health

$98 – Continental Life

$99 – United States Fire

$99 – Capitol Life

$101 – Heartland National Life

$104 – Central States

$105 – Union Security

$107 – Humana

$107 – Bankers Fidelity

$109 – Great Southern Life

$113 – GPM Health

$114 – Paramount

$126 – Medical Mutual

$132 – Cigna

$133 – Anthem BCBS

$159 – Guarantee Trust Life

$220 – United American

$221 – Oxford Life

 

Medicare Advantage Plans (Cuyahoga County)

100 policies are available to consumers. Rates, deductibles, benefits, out-of-pocket expenses, and prescription drug coverage will vary, depending on the carrier and contract. Listed below are several popular options.

AARP Medicare Advantage Plan 1 HMO H5253-050-0 – Monthly rate is $19, with $150 deductible and $0 and $35 office visit copays. The inpatient hospital copay is $295 for the first 4 days. The Urgent Care and ER copays are $40 and $90. Diagnostic tests and outpatient x-rays are subject to $30 and $15 copays. Foot, vision, dental, and hearing exams are covered with copays. 30-day preferred pharmacy drug copays are $0 (preferred generic), $10 (generic), $45 (preferred brand), and $95 (non-preferred).

AARP MedicareComplete Plan 7 HMO H5253-049-0 – Monthly rate is $0, with $175 deductible and $5 and $40 office visit copays. The inpatient hospital copay is $325 for the first 5 days. The Urgent Care and ER copays are $40 and $90. Diagnostic tests and outpatient x-rays are subject to $30 and $15 copays. Foot, vision, dental, and hearing exams are covered with copays. 30-day preferred pharmacy drug copays are $3 (preferred generic), $12 (generic), $47 (preferred brand), and $100 (non-preferred).

Advantra Silver PPO H1608-029-0 – Monthly rate is $0, with $0 deductible and $5 and $40 office visit copays. The inpatient hospital copay is $350 for the first 5 days. The Urgent Care and ER copays are $5-$45 and $90. Diagnostic tests and outpatient x-rays are subject to $0-$175 and $5-$90 copays. Foot, vision, and hearing exams are covered with copays. 30-day preferred pharmacy drug copays are $0 (preferred generic), $5 (generic), $47 (preferred brand), and $100 (non-preferred).

Aetna Medicare Value Plan HMO H3931-107-0 – Monthly rate is $0, with $150 deductible and $5 and $35 office visit copays. The inpatient hospital copay is $400 for the first 4 days. The Urgent Care and ER copays are $5-$45 and $90. Diagnostic tests and outpatient x-rays are subject to $0-$45 and $5-$90 copays. Hearing exams are covered with a $40 copay. 30-day preferred pharmacy drug copays are $0 (preferred generic), $5 (generic), $47 (preferred brand), and $100 (non-preferred).

Aetna Medicare Premier HMO H0628-005-0 – Monthly rate is $0, with $0 deductible and $0 and $35 office visit copays. The inpatient hospital copay is $300 for the first 5 days. The Urgent Care and ER copays are $0-$45 and $90. Diagnostic tests and outpatient x-rays are subject to $0-$45 and $10-$100 copays. Hearing exams are covered with a $30 copay. 30-day preferred pharmacy drug copays are $0  (preferred generic), $0 (generic), $47 (preferred brand), and $100 (non-preferred).

Aetna Medicare Premier 1 PPO H5521-134-0 – Monthly rate is $149, with $150 deductible and $10 and $35 office visit copays. The inpatient hospital copay is $360 for the first 5 days. The Urgent Care and ER copays are $45 and $90. Diagnostic tests and outpatient x-rays are subject to $0-$25 and $30 copays. Hearing exams are covered with a $45 copay. 30-day preferred pharmacy drug copays are $0  (preferred generic), $5 (generic), $47 (preferred brand), and $100 (non-preferred).

Anthem MediBlue Essential HMO H3655-032-0 – Monthly rate is $0, with $60 deductible and $5 and $40 office visit copays. The inpatient hospital copay is $345 for the first 5 days. The Urgent Care and ER copays are $35 and $90. Diagnostic tests and outpatient x-rays are subject to $0-$150 and $50-$100 copays. Hearing exams are covered with a $40 copay. 30-day preferred pharmacy drug copays are $4  (preferred generic), $15 (generic), $42 (preferred brand), and $90 (non-preferred).

Anthem MediBlue Preferred HMO H3655-040-0 – Monthly rate is $0, with $0 deductible and $5 and $40 office visit copays. The inpatient hospital copay is $295 for the first 6 days. The Urgent Care and ER copays are $35 and $90. Diagnostic tests and outpatient x-rays are subject to $0-$150 and $50-$110 copays. Hearing exams are covered with a $40 copay. 30-day preferred pharmacy drug copays are $4 (preferred generic), $10 (generic), $42 (preferred brand), and $90 (non-preferred).

Anthem MediBlue Extra HMO H3655-041-0 – Monthly rate is $32.90, with $415 deductible and $0 and $40 office visit copays. The inpatient hospital copay is $310 for the first 5 days. The Urgent Care and ER copays are $35 and $90. Diagnostic tests and outpatient x-rays are subject to $0-$90 and $50-$90 copays. Hearing exams are covered with a $40 copay. 30-day preferred pharmacy drug copays are $0  (preferred generic), $7 (generic), $47 (preferred brand), and $95 (non-preferred).

CareSource Advantage Zero Premium HMO H6396-004-0 – Monthly rate is $0, with $250 deductible and $9 and $50 office visit copays. The inpatient hospital copay is $350 for the first 5 days. The Urgent Care and ER copays are $45 and $90. Diagnostic tests and outpatient x-rays are subject to $30 and $50 copays. Hearing exams are covered with a $50 copay. 30-day preferred pharmacy drug copays are $6  (preferred generic), $15 (generic), $47 (preferred brand), and $100 (non-preferred).

Humana Cleveland Clinic Preferred HMO H6622-023-0 – Monthly rate is $0, with $0 deductible and $0 and $35 office visit copays. The inpatient hospital copay is $350 for the first 5 days. The Urgent Care and ER copays are $0-$35 and $120. Diagnostic tests and outpatient x-rays are subject to $0-$105 and $0-$95 copays. Hearing exams are covered with a $35 copay. 30-day preferred pharmacy drug copays are $0  (preferred generic), $5 (generic), $47 (preferred brand), and $100 (non-preferred).

MedMutual Advantage Classic HMO H6723-001-1 – Monthly rate is $0, with $160 deductible and $5 and $45 office visit copays. The inpatient hospital copay is $360 for the first 5 days. The Urgent Care and ER copays are $45 and $90. Diagnostic tests and outpatient x-rays are subject to $0-$10 and $50 copays. Hearing exams are covered with a $0 copay. 30-day preferred pharmacy drug copays are $0  (preferred generic), $15 (generic), $42 (preferred brand), and 50% (non-preferred).

SummaCare Medicare Topaz HMO H3660-050-0 – Monthly rate is $0, with $150 deductible and $0 and $45 office visit copays. The inpatient hospital copay is $295 for the first 5 days. The Urgent Care and ER copays are $45 and $90. Diagnostic tests and outpatient x-rays are subject to $0-$125 and $75-$130 copays. Hearing exams are covered with a $0-$20 copay. 30-day preferred pharmacy drug copays are $0  (preferred generic), $10 (generic), $47 (preferred brand), and $100 (non-preferred).

Summary

We help you find the most suitable options, so you will be able to view, compare and apply for high quality healthcare coverage. We are “live” persons (Hopefully, we are!) with more than three decades of experience waiting to help. In addition, to giving you lifetime personal service, our quotes are always the lowest available by each carrier. Please feel free to call us any time at (888) 513 6446.

Cleveland Area Hospitals:

Cleveland Clinic

University Hospitals

Hillcrest Hospital

Lakewood Hospital

Huron Hospital

St. Vincent Hospital

MetroHealth Medical Center