Affordable Ohio Health Insurance Plans

We are Ohio’s respected resource for affordable health insurance Exchange and reform information. But what do we do with the personal information you provide when requesting a quote? Actually, the answer is simple. Nothing! That’s right. Unlike most insurance websites you may have visited, we only share information with a working partner used to provide your quotes. We take security very seriously. If you provide your phone number, it will not be placed on a "call list." And although you may receive an occasional email from us regarding Ohio health insurance information, you will never be placed on a spam emailing list. Also, with any email you receive, you can "opt-out" of receiving any additional email. And of course, you will never receive any mailings from us, unless you request a hard-copy of policy benefits, network provider lists, or verification of compliant coverage. The website is secure (https) and an SSL Certificate helps keep the website safe. There are no outside contributors and all content is original and created (and edited) by us. We Accept No Advertising There is NO advertising on this website so we can not be influenced by any insurer. We are approached several times each week about placing advertisements throughout our content. But we don't feel it helps customers, so we choose to decline all advertising requests. This has been our policy since we...

Dental insurance plans in Ohio are affordable, easy to apply for, and available through many of the most recognized insurers. The cost of good managed-care coverage, which includes regular preventive checkups, is actually less expensive than most people realize. Anthem Blue Cross, UnitedHealthcare, Medical Mutual and Humana are four of the larger providers in the state. There are also many other smaller carriers that offer “discount “plans. We combine more than 40 years of experience with our unmatched and unbiased knowledge of insurance coverage. You’ll view the lowest available premiums on our website, and if you wish to apply for a policy, you’ll be amazed at how quick the process is. Many of the plans offer vision riders, if you need glasses, contact lenses or any other eyecare. With many plans, you can choose your own dentist, and schedule a preventative visit with x-rays with no waiting period or deductible to meet. We have carefully picked the best policies in the state and made them available to you. Pediatric coverage is also automatically covered through many Exchange plans. If you need help with enrollment, or subsidy calculation, please notify us. Open Enrollment for Marketplace plans begins November 1, although special exceptions are available for qualified applicants (SEP). Managed Care Vs. Indemnity There are two classifications of dental plans in Ohio....

Health insurance brokers in Ohio help you find the lowest rates offered for your medical coverage and assist in the Open Enrollment process. Senior Medicare plan comparisons are also provided. But obtaining the best prices is just part of the free service you receive. You save hours of research, comparison shopping, and frustration by letting us help. And you will probably save hundreds, or possibly thousands of dollars by ensuring you have the best possible plan, shopped and provided by an independent expert. Experience With more than 40 years of experience, the most comprehensive quoting software in the business, and our policy of always quoting the lowest available Exchange and Marketplace rates, it seems obvious why we’re considered the preferred and most experienced medical insurance broker in the state. You don't just get our award-winning website. You get the people behind it as well! We don't just answer your questions and match you with the best policies. We are trusted advisors that help you understand your benefits, and explain all aspects of your coverage. Consumers prefer to work with local experienced experts instead of a toll-free phone number that could be located outside the US. We live and work here in Ohio, just like you, and we service the entire Buckeye State, including Cincinnati, Columbus, Cleveland, Dayton, Toledo, Akron, Mansfield, Mason, Springfield,...

Ohio health insurance laws are designed to protect Buckeye residents. Whether it’s your individual medical coverage, a plan through your employer, Senior Medicare coverage, or perhaps a guaranteed-issue policy through COBRA, laws and regulations help keep rates affordable and coverage up to date. Coverage is not mandatory, although it is highly recommended to enroll privately during Open Enrollment, or through an employer. Current laws also help consumers understand the rules. The Affordable Care Act (Obamacare) also aids consumers with mild and serious pre-existing conditions that otherwise would not qualify for coverage. If you lose your job, have a debilitating sickness or illness, or can't afford to purchase medical benefits, you will be able to obtain a policy. Compliance is not mandatory, since past legislation removed the required mandate to buy a plan. Many carriers offer low-cost plans that allow consumers to customize benefits. The ODI regulates state business and provides many free services that are frequently utilized. Several of these services include carrier financial information, public records information, company loss ratios and premiums, Agency/broker information, ODI complaints, administrative actions, and, and market share reports. Short-term plans are heavily regulated since they do not cover pre-existing conditions, and place lifetime caps for specific...

Ohio healthcare plans provide guaranteed benefits at a price you can afford. There are several policies that are extremely budget-friendly, very popular, and offered by reputable insurance providers. But there is one particular option that is very simple, low cost, and issued by a non-profit company. Meet the MedMutual Market HMO 6400 HSA Bronze plan from Medical Mutual. It’s an inexpensive policy that is HSA-eligible and should be considered by all individuals and families that would like to reduce their costs, but also limit their potential out-of-pocket expenses for large medical claims. The HSA portion of the plan is optional and does not increase the premium. The plan is offered both "on" and "off" the Exchange. However, it is not available in all areas of the state. To enroll in the plan, applicants must reside in one of the following counties: Allen, Ashland, Ashtabula, Athens, Auglaize, Brown, Butler, Clermont, Champaign, Clark, Columbiana, Crawford, Cuyahoga, Defiance, Delaware, Fairfield, Franklin, Fulton, Geauga, Hamilton, Hancock, Hardin, Henry, Hocking, Huron, Knox, Lake, Licking, Lorain, Lucas, Mahoning, Marion, Medina, Mercer, Morrow, Pickaway, Portage, Putnam, Richland, Seneca, Summit, Trumbull, Union, and Wood. Subsidy And Pre-Existing Conditions It is an ACA (Affordable Care Act) compliant policy that can be purchased regardless if you qualify for an...

Most Ohio medical plans offer the coverage you need, without having to add any additional riders. If there is a particular option you want, or a specific deductible you prefer, typically, you can find a policy that meets your personal needs. Rates in the Buckeye State tend to be very affordable, so the cost of adding a rider or more coverage won’t put too big of a dent in your budget. However, occasionally, there are instances where a niche benefit may be most appropriate on your individual or family coverage. We have taken the time to review the most popular riders and briefly provide details of their most important features below. We have also updated the information, to reflect that many riders changed when Obamacare was passed. If additional legislation is passed, we will publish a guide that reviews the impact of single and multiple-person plans. Maternity   Definitely, the most expensive option in the history of health insurance plans. UnitedHealthcare previously offered extremely affordable maternity options, but with the passage of the ACA Legislation, adding the rider became unnecessary. Typically, the cost was between $250 and $750 per month, and a 270-day waiting period was required. Anthem and Medical Mutual were also popular options for maternity benefits. Maternity benefits are considered one of 10 "essential health benefits," and are included on all...

Do you need a new health care plan? Of course, the answer is not simple, and is not a “one glove fits all” solution. Based upon our 37 years of experience as an unbiased broker, if you have been with the same company for more than three years AND your rates have been steadily increasing more than expected, it may be time to consider a change and to compare Ohio health insurance premiums. If you get married, your most suitable options may now be different. If you moved from one area of the state to another, prices and plan availability will change. The local network will also be different and you may have to change physicians. There are many other factors to consider such as what (if any) medical conditions you have (temporary plans only), alternative options, your current carrier offers, and how long you plan on keeping your coverage. Of course there is never a fee to compare rates from different companies and if you apply, you are never under an obligation to accept an offer. And usually, you have ample time to consider multiple plans. What About The Marketplace Plans? These plans (available on our website) may provide higher coverage, lower out of pocket costs on major claims, and give you hundreds of dollars in savings each month. In that particular situation, the offer should be strongly considered. If you qualify for a government subsidy, your premiums will reduce. The...