Affordable Ohio Health Insurance Plans

Ohio health insurance reform details are regularly updated on this website. We are a local authority for up-to-date information regarding the "Patient Protection And Affordable Care Act," Senior Medicare plans, and new legislation. We help you understand the potential impact of any changes to the current healthcare system. In March 2010, the US House of Representatives passed H.R. 3590 – The Patient Protection And Affordable Care Act and H.R. 4872 – The HealthCare and Education Reconciliation Act of 2010. Several updates and changes were also made to Medicare recipients. A year-by-year analysis is below. Changes For 2010 No Exclusion For Children And Coverage Extended to 26th Birthday In approximately six months, health insurance companies will be prohibited from adding pre-existing exclusion riders to children’s coverage. This will apply to all Ohioans in 2014. Also, young people, up to their 26th birthday, may remain on their parent’s health insurance plan. Currently, many companies require children (that are not full-time students) to obtain separate coverage by age 19. No Lifetime Maximum In approximately six months, lifetime limits will be removed from plans. This part of the reform package will likely never affect you since individuals and families rarely come close to exceeding their maximum limit. No Rescission Health insurance companies will not be able to rescind...

Springfield Ohio health insurance rates are very affordable. Prices in Clark County and other surrounding counties often cost less than group plans through employers. Many larger companies offer low-cost coverage in this part of Ohio. Whether you are single, married with children, self-employed or without coverage, we help you find the plan that fits within your budget and offers the coverage that you need. Senior Medigap coverage is also offered from most major carriers. Companies Participating carriers in the area (for 2025 Marketplace coverage) include CareSource, Medical Mutual, Molina, Anthem, Aetna CVS Health, Antidote, UnitedHealthcare, and Ambetter. Catastrophic-tier plans are offered to applicants under age 30, and Silver-tier plans provide cost-sharing to eligible persons. Additional companies, such as UnitedHealthcare, Allstate, HCC Life, and IAC Group offer temporary "off-Exchange" contracts that can be purchased before, during, and after Open Enrollment periods. SummaCare, Oscar, Paramount, and AultCare also offer plans outside of Clark County.  Humana, Cigna and Aetna offer Group and Senior Medicare products, although they may return in 2026 to offer under-65 products, depending upon Administration changes. Other nearby cities that often share the carrier provider networks include Urbana, Fairborn, Huber Heights, Trotwood, Centerville, Piqua, Englewood,...

Who are the major Ohio Under-65 and Senior health insurance companies? Many carriers offer competitive rates, including Anthem Blue Cross, Aetna, United Healthcare, Humana, Summacare, Ambetter, Cigna, Oscar,  and Medical Mutual. Other participating companies (not all) in the Buckeye State include Molina, , CareSource, Aultcare, Paramount, Manhattan Life, Medico, Transamerica, AARP-UnitedHealthcare, Medico, Cigna, Oxford Life, Mutual Of Omaha, Accendo, Manhattan Life, Assured Life, Sentinel Security Life, and United American. What if I only need coverage for a few months? An Ohio “short-term” policy might be your best option. Premiums are substantially lower than conventional policies and guaranteed coverage is available up to 12 months. Applications are brief, and often approved within 24 hours. UnitedHealthcare (also known as "Golden Rule"), IHC, and National General  offer very low pricing. Office visit and prescription drug coverage can be added to most policies. Urgent Care and online telemed visits are often not subject to a deductible. Note: National General utilizes the Aetna PPO Network. Temporary policies are not Exchange or ACA-compliant. Therefore, although premiums are low, and coverage is available outside of Open Enrollment periods, some gaps are present. Also, instead of unlimited lifetime benefits, a cap of $250,000 - $2 million is offered, depending upon the...

Affordable Akron Ohio healthcare coverage is offered through several companies. View and compare medical plans that provide comprehensive benefits at a cost you can afford.

Cincinnati health insurance plans are quite affordable and easy to apply for. Review all options in SW Ohio and enroll!

The cheapest health insurance in Ohio is just a few clicks away. Review the least expensive medical plans in the Buckeye State! Both Senior Medicare and ACA Marketplace plans are offered.

Affordable student health insurance plans for college students is easily available. University plans provide comprehensive coverage and ACA Marketplace options may include a federal subsidy that drastically reduces the premium.

How you buy health insurance in Ohio can affect the rate you pay and the type of benefits you receive. It's important that the insurer is a reputable company and you are working with a licensed broker and/or website located here in Ohio, and not 1000 miles away. That's why we represent only the top companies and allow you to apply for a policy with our help, or directly online, with a link to the carrier. Either way, you receive the lowest rates available to consumers. Marketplace Options You also have a choice whether you prefer to enroll in a subsidized Obamacare Marketplace plan, or a policy that is considered "off-Exchange," and does not receive federal credits. Both options are "guarantee-issue" during the Open Enrollment period. Your application will not be denied, and if you are treated for an injury or illness, any associated costs will be covered and not excluded. "Off-Exchange" options are also offered by the large carriers, and may include expanded Network coverage for physicians, hospitals, and related facilities. Rates are identical, although you may receive slightly expanded benefits in some areas. NOTE: Often, an "X" designation for the provider network results in a more limited choice of doctors and hospitals. Anthem utilizes an "X" for Marketplace plans. Examples are the Bronze Pathway X HMO 8550, Bronze Pathway X HMO 6000, Bronze Pathway X HMO 5000, Bronze...