Affordable Ohio Health Insurance Plans

(888) 513-6446

Compare and Save

Ohio family health insurance coverage provides comprehensive office visit, prescription, wellness, and catastrophic benefits in one policy. Depending on the deductible, medical insurance rates for Ohio adults and children are very inexpensive with the help of available federal tax subsidies. Plans also cover qualified preventive expenses at 100% with no out-of-pocket cost.

The average cost of this type of plan will vary, depending upon the number of covered persons, their ages, county of residence, and smoking status. Deductibles, copays, and out-of-pocket prescription drug expenses will also impact the cost of coverage. The number of available carriers will also vary, since major companies including Anthem and Medical Mutual do not offer coverage in all counties.

When more than one person is covered, we understand that your needs are different than a single plan. Finding policies with lower copays on primary-care physician (pcp) and specialist office visits, and other routine lab tests and x-rays, is generally considered a priority. We review and customize the options that work best for yourself and all persons covered on your policy.

If you only need coverage for a few months (but less than 12 months), a short-term policy should be considered. Although a temporary contract lacks comprehensive benefits and is not eligible for a federal subsidy, it may be the best option if an Open enrollment deadline is missed. Many plans provide a copay for Urgent Care and Teledoc visits.

Recent Changes And Enhancements

Annual upgrades and improvements generally improve policy benefits, and often add important features that may have been previously omitted. For example, mental illness, non-generic drugs, maternity, and contraception are four mandated coverage benefits that have been added within the last six years.

Each year, additional preventative benefits are added that are not subject to a copay, coinsurance, or deductible. The tax/penalty for not complying with the law (enrolling in “qualified” coverage) has also been eliminated. Previously, if your household income increased, the penalty became larger.

A free government service from the Surgeon General is the Family Health Portrait tool. The application is online and allows you to record your family medical history that can be shared with your personal physicians or other relatives. Your information is private and secure, since the federal government does not utilize the data. Conditions that are at a higher risk for family members can be documented and the information can be shared.

Additional topics covered by the service include infectious diseases, rare diseases, genomics, advanced molecular detection weekly clips, CDC publications, and state public health genomics programs map. An Exchange Overview is also available through the state DOI.

Family Health Insurance Rates In Ohio

Coverage in the Buckeye state typically costs less than comparable policies from other states. Although premiums are higher than a catastrophic (only) plan, they still may be less costly than coverage you purchase through an employer. Federal subsidies (if you qualify) will further reduce premiums.

Most group plans provided by employers are also comprehensive contracts, although other types of benefits may be offered. However, many employers (especially with under 50 employees) are either reducing full-time positions to part-time, or eliminating healthcare benefits. These changes are often needed since paying an “Obamacare tax” is often much less costly than providing benefits.

NOTE: Ohio Works First (OWF) helps needy families with limited assistance. “hardship” and “good cause” situations may qualify a household with cash benefits for up to 36 months. After 36 months, additional funds are not offered unless the County Department of Job and Family Services provides an extension. OWF promotes taking personal responsibility and finding employment as quickly as possible.

The program is offered to legal residents of the state that have a dependent under age 19, are pregnant, and meet specific income and job requirements. Also, applicants must be a legal US citizen, national, legal alien, or permanent resident.

Below, we examine rates for a “typical” family in different parts of Ohio and use the Cincinnati, Dayton, Columbus and Cleveland areas. Our “sample” is a husband and wife (both age 35) with two children, ages 8 and 6. Policy details are never the same, so we have selected high-quality plans from multiple carriers, including Anthem Blue Cross, CareSource, Medical Mutual, Ambetter, and other carriers.

The following rates are monthly and assume a household monthly income of $55,000. The federal instant tax-credit has already been included.

Cincinnati Area Rates

  • $204 – Medical Mutual Market HMO 7900
  • $282 – Anthem BCBS Bronze Pathway X HMO 7900
  • $292 – CareSource Marketplace Bronze
  • $318 – Ambetter Balanced Care 11
  • $331 – Anthem BCBS Bronze Pathway X HMO 6000
  • $332 – Ambetter Balanced Care 5
  • $347 – Anthem BCBS Bronze Pathway X HMO 5000

Dayton Area Rates

  • $179 – Medical Mutual Market HMO 7900
  • $216 – Medical Mutual Market HMO 6750 HSA
  • $318 – Ambetter Balanced Care 11
  • $332 – Ambetter Balanced Care 5
  • $333 – Medical Mutual Market HMO 5250 HSA
  • $355 – CareSource Marketplace Bronze
  • $417 – Ambetter Balanced Care 2

Columbus Area Rates

  • $11 – Oscar Simple Bronze
  • $32 – Oscar Classic Bronze
  • $73 – Oscar Saver Bronze
  • $94 – Medical Mutual Market HMO 7900
  • $133 – Medical Mutual Market HMO 6750 HSA
  • $185 – CareSource Marketplace Bronze
  • $255 – CareSource Marketplace HSA Eligible Bronze

Cleveland Area Rates

  • $135 – CareSource Marketplace Bronze
  • $190 – CareSource Marketplace HSA Eligible Bronze
  • $266 – Medical Mutual Market HMO 7900
  • $305 – Medical Mutual Market HMO 6750 HSA
  • $318 – Ambetter Balanced Care 11
  • $332 – Ambetter Balanced Care 5

Additional plans are available that place a copay on primary-care physician (pcp) visits, but not specialist visits. Instead, a deductible must be met. Several of these policy options include the Ambetter Secure Care 1 and, SummaCare Silver 500 40, and SummaCare Bronze 7900. Note: Managed Care coverage in Ohio is provided by the following five carriers: Buckeye Health Plan, CareSource, Molina, Paramount, and UnitedHealthcare.