Affordable Ohio Health Insurance Plans

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Affordable Columbus health insurance plans are available for enrollment. Compare free online quotes and choose quality single or family medical coverage either on or off the Marketplace. Franklin County offers attractive rates, large provider networks, and low-cost customized Exchange coverage. Buckeye State Seniors can also easily shop for Medigap plans, Supplement, Advantage, and Part D prescription drug options. Medicare plans have a different Open Enrollment period than Marketplace plans.

Small group benefits can also be provided if you own a small business (SHOP Exchange). We help you find, compare, and enroll in personal individual plans provided by the top-rated companies, such as Anthem Blue Cross, Medical Mutual, Ambetter, Molina, Oscar, and CareSource. Humana, UnitedHealthcare, Cigna, Humana, and Aetna, offer many Senior, Group, short-term, dental, and vision plans.

Most major hospitals in the area are covered through Marketplace or private networks, and through Medicare for Seniors. Typically, life-threatening medical conditions that require immediate treatment will be considered “in-network.” Several of the highest-rates hospitals in the Columbus and surrounding area include: OSU Wexner Medical Center, OhioHealth Riverside Methodist Hospital, Mount Carmel East And West Hospitals, Mount Carmel St. Ann’s Hospital, Columbus Dublin Springs Hospital,  Fairfield Medical Center,  James Cancer Hospital, Licking Memorial Hospital, Mount Carmel New Albany Surgical Hospital, Nationwide Children’s Hospital, OhioHealth Doctor’s Hospital, and OhioHealth Grant Medical Center.

 

Lowest Rates

Rates are always current and instantly available from the most respected licensed carriers. There are no costs or fees when you review plan options or apply for coverage. Whether your existing policy is being terminated, or you are enrolling for coverage for the first time, our experience and expert advice (40 years) will save you money.Non-Obamacare options provide additional plans that are available throughout the entire year.

But just as importantly, we believe you should be able to maximize your benefits, so we take the time to insure your policy is the perfect fit. We also keep you updated on any significant changes to premiums, policies or federal legislation. It’s not unusual for plans to become discontinued, forcing you to enroll in new coverage. For example, as Administration healthcare initiatives become available, we publish reviews, plan descriptions, and of course, rates.

Seniors covered by Medicare benefits are not eligible for federal instant tax credits or Marketplace plans. However, there are many low-cost Medigap and Medicare Advantage options that can potentially reduce total healthcare costs, including premiums for coverage.  Upon request, we provide a comprehensive comparison of multiple top-rated carriers. Several of the popular companies include AARP (UnitedHealthcare), Aetna, Anthem, Blue Cross and Blue Shield, Transamerica, Cigna, Humana, Molina, Mutual Of Omaha, United American, Medical Mutual, CareSource, and Medico.

 

Impact Of Obamacare In Ohio

Previously, the Affordable Care Act (ACA Legislation) started to reduce your premium with financial subsidies in the form of instant tax credits. Depending on your MAGI (Modified Adjusted Gross Income), you may be eligible for up to $12,000 ($1,000 per month) of assistance. During Open Enrollment (November 1 to December 15th), you project your household income for the following year, which determines the subsidy. Don’t worry! We will calculate it for you.

If you forgot to sign up, an SEP (Special Enrollment Period) may allow you to apply for a plan without waiting for the next Open Enrollment period. Many qualifying life events are available. If you don’t qualify for an SEP, additional options are provided that will cover you for the remainder of the calendar year. NOTE: Ambetter, Anthem, and SummaCare do not offer Marketplace plans in Central Ohio. We always provide details of plans and rates from all participating companies. More carriers may offer coverage in Franklin County in 2024.

 

Franklin County Prices Are Low Compared To Other Areas In The State

Medical plans in Columbus are extremely economical, compared to other parts of the state. In the Franklin County area, The cost of treatment, including office visits and hospital visits, has historically cost less than other large cities. Current premiums are about 20% less than similar coverage in the Toledo, Akron/Canton and Cleveland areas. Franklin County rates are also less expensive than the Cincinnati, Toledo, and Springfield areas.

CareSource, Oscar, and Medical Mutual offer some of their lowest premiums in this part of the state.  Reasons include lower doctor visit costs, lower room-rates for hospital stays, negotiated repricing, and better malpractice insurance rates for physicians. Counties to the North (Morrow, Marion, Knox, and Union) generally have higher rates.

Some of the most efficient and state-of-the-art hospitals are located in the area, which helps provide excellent care for patients. The list of hospitals includes the Ohio State University Wexner Medical Center, Grant Medical Center, Riverside Methodist, Mount Carmel West, Mount Carmel St. Anns, Nationwide Children’s, and the James Cancer Center. And many of their ancillary facilities are also very cost-conscious. A more comprehensive listing of area hospitals can be found here. Nationwide Children’s Hospital was recently added to the Oscar network.

Health Insurance Rates In Columbus (2023)

Shown below are several common scenarios that illustrate the least expensive monthly rates from the most popular carriers and plans. The federal subsidy (if applicable) has been applied and several different zip codes (all within Franklin County) have been used.

 

Example 1 – Zip code 43228. Single 30-year-old with $34,000 income

$26 – Anthem Bronze Pathway X HMO 9100

$27 – Anthem Bronze Pathway X HMO 9100/0% Standard

$31 – Anthem Bronze Pathway X HMO 6000

$32 – Oscar Bronze Simple

$42 – Anthem Bronze Pathway X HMO 5000

$43 – Oscar Bronze Simple Select

 

Example 2 – Zip code 43230. Single 40-year-old with $37,000 income

$52 – Anthem Bronze Pathway X HMO 9100

$53 – Anthem Bronze Pathway X HMO 9100/0% Standard

$58 – Anthem Bronze Pathway X HMO 6000

$59 – Oscar Bronze Simple

$70 – Anthem Bronze Pathway X HMO 5000

$71 – Oscar Bronze Simple Select

 

Example 3 – Zip code 43207. Married 47-year-old couple and two children with $78,000 income

$39 – Oscar Bronze Simple

$41 – Oscar Bronze Classic Select

$62 – Oscar Bronze Classic – PCP Saver

$101 – Oscar Bronze Classic – $4700 Ded

$115 – Anthem Bronze Pathway X HMO 8700

 

Example 4 – Zip code 43016 (Union County). Married 50-year-old couple and three children with $75,000 income

$63 – Oscar Bronze Simple

$66 – Oscar Bronze Classic Select

$91 – Oscar Bronze Classic – PCP Saver

$141 – Oscar Bronze Classic – $4700 Ded

$159 – Anthem Bronze Pathway X HMO 8700

 

Example 5 – Zip code 43065 (Delaware County). Single 50-year-old with $37,000 income 

$42 – Oscar Bronze Simple

$43 – Oscar Bronze Classic Select

$51 – Oscar Bronze Classic – PCP Saver

$66 – Oscar Bronze Classic – $4700 Ded

$71 – Anthem Bronze Pathway X HMO 8700

HSA (Health Savings Account) Plans In Franklin And Surrounding Counties

Health Savings Account (HSA) rates are also very attractive. If you are healthy, and have very few medical claims, an HSA may be worth considering. Rates will vary depending on many factors, including your age, requested deductible, tobacco usage, and county of residence. Medical Mutual and CareSource currently offer the best HSA rates (Marketplace) in the middle of the state. The most popular deductibles are between $4,000 and $6,400. Shown below are the most competitive HSA plan options:

Ambetter Essential Care 2

Oscar Bronze Simple

Oscar Silver Simple

Oscar Gold Classic

Anthem Bronze Pathway X HMO 6000 20 for HSA

Anthem Bronze Pathway X HMO 6850 0 for HSA

Anthem Silver Pathway X HMO 6100 0 for HSA

Anthem Silver Pathway X HMO 3200 10 for HSA

CareSource Marketplace HSA Eligible Bronze

Medical Mutual Market HMO 7000 HSA

Medical Mutual Market HMO 4000 HSA

 

Senior Medicare Plans In Columbus And The Franklin County Area (2023 Rates)

Medicare Supplement Monthly Rates (Premiums based on 65-Year-Old Non-Smoking Female)

Plan A

$70 – AARP-UnitedHealthcare

$83 – Mutual Of Omaha

$90 – Continental Life

$95 – Ace Property And Casualty

$95 – Medical Mutual

$96 – AFLAC

$96 – Elips Life

$93 – Humana

$95 – New Era Life

$96 – Elips Life

$97 – United States Fire

$97 – SBLI USA Life

$98 – Allstate

$98 – Medico

$98 – Manhattan Life

$101 – New Era Life

$103 – Cigna

$106 – Paramount

$106 – Capitol Life

$107 – Heartland National

$110 – Union Security

$112 – Bankers Fidelity

$116 – United American

$117 – Anthem BCBS

$121 – Central States

$125 – Great Southern Life

$150 – GPM Heralth

$154 – Guarantee Trust Life

$172 – Oxford Life

 

Plan C

$129 – New Era Life

$136 – AARP-UnitedHealthcare

$138 – Paramount

$141 – Heartland National

$154 – Medical Mutual

$205 – Oxford Life

$211 – GPM Health

$223 – United American

 

Plan F

$104 – SBLI USA Life

$110 – Elips Life

$114 – Mutual Of Omaha

$115 – Central States

$116 – Accendo

$116 – AARP-UnitedHealthcare

$118 – Manhattan Life

$119 – United States Fire

$120 – Medico

$121 – Continental Life

$121 – Capitol Life

$130 – Great Southern Life

$133 – Humana

$134 – Bankers Fidelity

$141 – New Era Life

$143 – National Health

$144 – Union Security

$145 – Paramount

$151 – Sentinel Security

$158 – Anthem BCBS

$161 – Medical Mutual

$170 – Cigna

$185 – GPM Health

$195 – Guarantee Trust Life

$253 – United American

 

Plan F (High Deductible)

$30 – United American

$34 – New Era Life

$36 – Medico

$36 – Great Southern Life

$39 – National Health

$45 – Humana

$46 – Cigna

$68 – Medical Mutual

 

Plan G

$92 – AARP-UnitedHealthcare

$97 – Elips Life

$97 – Mutual Of Omaha

$98 – United States Fire

$98 – Continental Life

$98 – SBLI USA Life

$99 – Heartland National

$99 – Medico

$99 – National Health

$99 – Manhattan Life

$101 – Accendo

$101 – Capitol Life

$102 – New Era Life

$103 – Oxford Life

$104 – Anthem BCBS

$112 – Bankers Fidelity

$113 – Humana

$115 – Great Southern Life

$116 – Union Security

$120 – Sentinel Security

$122 – Medical Mutual

$124 – Paramount

$132 – GPM Health

$133 – Cigna

$160 – Guarantee Trust Life

$176 – United American

 

Plan G (High Deductible)

$30 – United American

$31 – New Era Life

$34 – Medico

$36 – United States Fire

$36 – Bankers Fidelity

$38 – Mutual Of Omaha

$39 – Elips Life

$40 – Humana

$41 – Continental Life

 

Plan N

$71 – SBLI USA Life

$75 – Elips Life

$75 – United States Fire

$75 – Manhattan Life

$75 – AARP-UnitedHealthcare

$75 – Mutual Of Omaha

$76 – Accendo

$76 – Capitol Life

$76 – National Health

$77 – Medico

$77 – Continental Life

$82 – New Era Life

$82 – Central States

$85 – Great Southern Life

$85 – Bankers Fidelity

$88 – Humana

$105 – Cigna

$113 – Medical Mutual

$114 – Paramount

$127 – Guarantee Trust Life

 

Popular Medicare Advantage Plans Offered In Franklin County

AARP Medicare Advantage Plan 5 (HMO) H5253-062-0 – $0 monthly premium with $195 deductible and office visit copays of $5 and $40. Urgent Care and ER copays are $40 and $90. Inpatient hospital copay is $375 for days 1-5. Tier 1, Tier 2, and Tier 3 prescription drug copays are $3, $12, and $47.

AARP Medicare Advantage Plan 2 (HMO) H5253-109-1 – $18 monthly premium with $0 deductible and office visit copays of $0 and $35. Urgent Care and ER copays are $40 and $90. Inpatient hospital copay is $295 for days 1-5. Tier 1, Tier 2, and Tier 3 prescription drug copays are $0, $12, and $45.

AARP Medicare Advantage Plan 3 (HMO) H5253-051-0 – $111 monthly premium with $0 deductible and office visit copays of $5 and $25. Urgent Care and ER copays are $25 and $90. Inpatient hospital copay is $225 for days 1-4. Tier 1, Tier 2, and Tier 3 prescription drug copays are $0, $8, and $45.

AARP Medicare Advantage Plan 4 (PPO) H5768-033-0 – $0 monthly premium with $195 deductible and office visit copays of $5 and $45. Urgent Care and ER copays are $40 and $90. Inpatient hospital copay is $385 for days 1-5. Tier 1, Tier 2, and Tier 3 prescription drug copays are $3, $12, and $47.

Aetna Medicare Value (HMO) H3931-108-0 – $0 monthly premium with $150 deductible and office visit copays of $5 and $45. Urgent Care and ER copays are $5-$45 and $90. Inpatient hospital copay is $400 for days 1-4. Tier 1, Tier 2, and Tier 3 prescription drug copays are $0, $5, and $47.

Aetna Medicare Premier (HMO) H0628-017-0 – $0 monthly premium with $0 deductible and office visit copays of $0 and $35. Urgent Care and ER copays are $0-$45 and $90. Inpatient hospital copay is $350 for days 1-5. Tier 1, Tier 2, and Tier 3 prescription drug copays are $0, $5, and $47.

Aetna Medicare Premier 1 (PPO) H5521-134-0 – $149 monthly premium with $150 deductible and office visit copays of $10 and $35. Urgent Care and ER copays are $10-$45 and $90. Inpatient hospital copay is $350 for days 1-5. Tier 1, Tier 2, and Tier 3 prescription drug copays are $0, $5, and $47.

Allwell Medicare (HMO) H0724-003-0 – $0 monthly premium with $125 deductible and office visit copays of $0 and $45. Urgent Care and ER copays are $45 and $90. Inpatient hospital copay is $360 for days 1-5. Tier 1, Tier 2, and Tier 3 prescription drug copays are $0, $9, and $37.

Anthem MediBlue Essential (HMO) H3655-032-0 – $0 monthly premium with $60 deductible and office visit copays of $5 and $40. Urgent Care and ER copays are $35 and $90. Inpatient hospital copay is $345 for days 1-5. Tier 1, Tier 2, and Tier 3 prescription drug copays are $4, $15, and $42.

Anthem MediBlue Preferred (HMO) H3655-040-0 – $0 monthly premium with $0 deductible and office visit copays of $5 and $40. Urgent Care and ER copays are $35 and $90. Inpatient hospital copay is $295 for days 1-6. Tier 1, Tier 2, and Tier 3 prescription drug copays are $4, $10, and $42.

Anthem MediBlue Extra (HMO) H3655-041-0 – $32.90 monthly premium with $415 deductible and office visit copays of $0 and $40. Urgent Care and ER copays are $35 and $90. Inpatient hospital copay is $310 for days 1-5. Tier 1, Tier 2, and Tier 3 prescription drug copays are $0, $7, and $47.

CareSource Advantage Zero Premium (HMO) H6396-004-0 – $0 monthly premium with $250 deductible and office visit copays of $9 and $50. Urgent Care and ER copays are $45 and $90. Inpatient hospital copay is $350 for days 1-5. Tier 1, Tier 2, and Tier 3 prescription drug copays are $6, $15, and $47.

CareSource Advantage (HMO) H6396-001-0 – $32.90 monthly premium with $0 deductible and office visit copays of $0 and $49. Urgent Care and ER copays are $35 and $90. Inpatient hospital copay is $285 for days 1-7. Tier 1, Tier 2, and Tier 3 prescription drug copays are $4, $10, and $47.

Humana Gold Plus (HMO) H6622-013-0 – $0 monthly premium with $0 deductible and office visit copays of $5 and $45. Urgent Care and ER copays are $5-45 and $90. Inpatient hospital copay is $395 for days 1-4. Tier 1, Tier 2, and Tier 3 prescription drug copays are $7, $17, and $47.

MediGold Essential Care (HMO) H3668-019-1 – $0 monthly premium with $150 deductible and office visit copays of $10 and $50. Urgent Care and ER copays are $50 and $90. Inpatient hospital copay is $285 for days 1-7. Tier 1, Tier 2, and Tier 3 prescription drug copays are $2, $18, and $45.

MediGold Flexible Choice (HMO) H1846-004-0 – $57 monthly premium with $150 deductible and office visit copays of $5 and $45. Urgent Care and ER copays are $40 and $90. Inpatient hospital copay is $295 for days 1-6. Tier 1, Tier 2, and Tier 3 prescription drug copays are $2, $18, and $47.

MedMutual Advantage Premium (PPO) H4497-003-1 – $119 monthly premium with $55 deductible and office visit copays of $0 and $30. Urgent Care and ER copays are $30 and $120. Inpatient hospital copay is $350 for days 1-6. Tier 1, Tier 2, and Tier 3 prescription drug copays are $0, $10, and $42.

MedMutual Advantage (HMO) H6723-001-1 – $0 monthly premium with $160 deductible and office visit copays of $5 and $45. Urgent Care and ER copays are $45 and $90. Inpatient hospital copay is $360 for days 1-5. Tier 1, Tier 2, and Tier 3 prescription drug copays are $0, $15, and $42.

Since we’re located just East of Columbus, we’re very familiar with which specific policies and coverages would be best for you. Need coverage for only a few months? We’ll find the best options. Do you want a long-term policy? We’ll show you the most affordable plans. Are you uninsured or do you have serious health conditions? We will find the most cost-effective solution and your pre-existing conditions will be covered.

We give you the choice of using our quote engine to compare free quotes or allowing us to help you. Either way, if you live here in the Buckeye state, we’re confident you’ll find many affordable options.