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 2024 Marketplace coverage) include CareSource, Medical Mutual, Molina, Anthem, and Ambetter. Additional companies, such as UnitedHealthcare, National General, 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. UnitedHealthcare, Humana, Cigna and Aetna offer Group and Senior Medicare products, although they may return in 2025 to offer under-65 products, depending upon possible Administration changes. Other nearby cities that often share the carrier provider networks include Urbana, Fairborn, Huber Heights, Trotwood, Centerville, Piqua, Englewood, Kettering, Dayton, Troy, Vandalia, Xenia, Tipp City, Riverside, and Beavercreek. Non-Obamacare plans (National General) use nationwide networks that...

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...

Akron health insurance plans and rates for individuals under age 65 and Seniors can be instantly viewed We specialize in comparing policies on and off the Marketplace in the Northeastern Ohio area.  Our friendly staff helps you choose the coverage you need with a quick online enrollment. All available companies are researched to determine which policy is the best choice. Guaranteed-approval and non-Obamacare medically-underwritten plans are offered. Senior Medicare, including Supplement, Advantage, and Part D options, and under-65 products are also offered. Summit, Portage, Medina, and Stark County have very attractive pricing and a wide variety of plans. Open Enrollment periods allow consumers to apply for guaranteed coverage with pre-existing conditions covered. There are no waiting periods or limitations to covered benefits. The Companies 120 individual and family Marketplace plans are available to persons under age 65. The eight participating carriers are Aetna, Ambetter, Anthem, CareSource, Medical Mutual, Oscar,  SummaCare, and UnitedHealthcare. Eligible applicants can qualify for federal subsidies that can substantially lower rates. Low-cost catastrophic plans are offered to persons under age 30. Utilizing in-network providers can substantially lower your out-of-pocket expenses. Out-of-area non-emergency coverage is also offered. Several companies that offer Medicare...

Get affordable Cincinnati health insurance coverage in minutes. We help you find all of the top companies in the Hamilton County area and the best low-cost Marketplace plans. The quotes that we provide are always the direct rates published by each insurer. You can either purchase coverage "direct" or with help. Queen City Exchange personal plans are often 30%-55% less expensive than Ohio group policies. A full portfolio of Senior Medicare products is also offered. 65+ plans (Supplement, Advantage, and Part D) are provided by many carriers. Applicants that have reached age 65, or who are eligible for Medicare, can view and compare all area plans, and customize benefits to match specific health conditions and a personal budget. Many MA plans include prescription drug benefits and additional ancillary perks. SW Ohio rates are typically very competitive with most major carriers offering HMO or PPO options. Ohio Health Marketplace Plans (Under Age-65) You can also reduce your premium if you qualify for a federal tax subsidy that is automatically deducted from your rate. Depending on how many persons are to be covered, and your modified adjusted gross income (MAGI), the savings could be substantial. The Obamacare subsidy could potentially pay your entire premium. You can also choose to enroll in a plan that is not subsidized, and there are many low-cost options in Southwestern...

Cheap Ohio health insurance plans are available from many major health care providers (private and employer-provided) including  Anthem Blue Cross, Aetna, UnitedHealthcare, Medical Mutual, SummaCare, CareSource, Ambetter, Oscar, and Humana. Individuals, families, the self-employed, the uninsured, students, and  persons on Cobra can apply for low-cost coverage through our website. The enrollment process generally takes less than 25 minutes and the initial premium on Marketplace plans does not need to be immediately paid. Whether you need a high-deductible HSA plan to lower the premium, or a budget option that includes office visits and prescription drugs, many options are available. Recent increases in the federal instant tax credit have made available dozens of plans that cost less than $25 per month. Household income and policy selection will impact the cost of coverage. Off-Exchange (non-ACA) plans can also be purchased outside of the Open Enrollment period. Tobacco usage will also impact the cost of coverage. As Ohio's respected resource for affordable medical coverage, we guarantee the rates you view are the lowest allowable by each company. There are no Agency fees and perhaps most importantly, your personal information is not shared or sold. Both Marketplace plans for persons under age 65, and Senior Medicare plans are regulated by the state to help protect Buckeye...

Individual student health insurance plans in Ohio are very affordable and provide all required benefits you need. Comprehensive coverage with large nationwide networks, free preventative benefits, and portability to other states is available. Plans are offered to undergrad, graduate, and recently-graduated students. If the need is short-term, economical temporary plans can provide gap coverage. Several types of plans allow you to see and physician or specialist you like. Office visits, prescriptions, Urgent Care, Telemed, and outstanding protection for inpatient, outpatient and ER are generally included. Student Medical Center coverage on campus is often considered in-network, and therefore included in a policy. Even if you're on a tight budget, there are several excellent options that include low copays. Special provisions are typically made if there is a pandemic (COVID-19). These extra benefits often provide free testing and treatment, and coverage is offered to individuals and families. During Open Enrollment and other parts of the year, if you qualify for a federal subsidy, most of your premium can be paid by the federal government, and all pre-existing conditions will be covered. If you are currently listed on a parent's plan, several low-cost options are offered. If you are ineligible for financial aid to lower your rate, there are still many affordable options that...

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...