Affordable Ohio Health Insurance Plans

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Parma Ohio health insurance rates are very affordable compared to other parts of the country, and many low-cost options are available. The cost of medical care in Cuyahoga County has historically been cheaper than other larger cities in the US. Generally, emergency-room, hospital, and office visit charges in the Parma area, are less expensive than most other states in the Midwest. Multiple carriers offer low-cost plans and Senior Medicare products are widely available.

Many health plans cost less than $10 per month for an individual and less than $100 per month for a family. Small-business rates are also competitive. Ohio Exchange plans allow you to use a federal tax credit subsidy to reduce your cost. Therefore, depending on your adjusted gross income (AGI) when you file your tax return, it’s possible your net premium will be $0. Changes in household income throughout the year can impact the subsidy level. Persons that reach age 26 must be covered on their own plan.

Additional towns and cities in the area include Seven Hills, Brooklyn, Cleveland, Maple Heights, Parma Heights, Brook Park, Lakewood, North Royalton, Broadview Heights, and Garfield Heights. The three zip codes most commonly used for rating Marketplace plans are 44134, 44130, and 44129. Additional local zip codes include 44128, 44127, 44126, 44125, 44124, 44123, 44122, 44121, 44135, 44136, 44137, 44138, and 44139. Note: Obamacare plans use county-rating so therefore plan prices are identical in all Cuyahoga County zip codes.

Impact Of Legislation In Buckeye State

Laws and legislation are rapidly changing, and we keep you updated on what impact is has on you and the type of policy that is available. Since the State Exchange (Marketplace) was implemented, we continue to provide expert guidance, so you can easily pick the best option and pay the least amount of premium.The passage of the Affordable Care Act has lowered healthcare prices in the Parma area. Instant tax credits on Exchange plans provide many $0 premium options (Bronze-tier plans). Although the maximum deductible can reach $9,450, copays are often offered for most office visits.

The amount of money you receive is based on a combination of factors including household income, and its relationship to the Federal Poverty Level (FPL) guidelines. The more dependents you declare on your tax return, the bigger the federal subsidy becomes. Changes in household income, members, or Medicare/Medicaid eligibility can impact the cost of coverage.

You can purchase a medical insurance plan (Senior and Under-65) from most of Ohio’s major insurance companies. Anthem, UnitedHealthcare, Aetna, CareSource, SummaCare, Cigna, Humana, and Medical Mutual feature a wide variety of plans available to local residents. Assurant and Celtic no longer offer individual plans, and other regional companies (such as Paramount) don’t have active provider networks in Cuyahoga County and the outlying area, or no longer offer new plans.

Short-Term Contracts

Temporary medical rates are very cheap if you need coverage less than a year. If you are simply waiting for Medicare benefits, perhaps just graduated from college or a trade school, or suddenly find yourself uninsured, a short-term policy can cover you cheaply and quickly. Benefits can be kept for up to 12-36 months without re-applying for a renewal policy. UnitedHealthcare and Allstate offer competitive rates.

Your costs are influenced by many factors. But unless a “Single-Payer” system is implemented, premiums in the Parma area should remain fairly stable for the next few years. Naturally, “Catastrophic” plans will continue to cost hundreds of dollars less than “comprehensive” plans. Community General Hospital (on Powers Blvd.) has reasonable room, surgery, and procedure costs, which helps keep prices stable.

Health Savings Accounts (HSAs) are also a popular option that allow you to reduce costs and pay for qualified medical expenses on a tax-free basis. In the Cleveland area, Oscar and Medical Mutual offer the most competitive HSA prices. Medical Mutual and Anthem Blue Cross also should be considered for Group or Medicare (High-Deductible Plan G) options.

Parma Health Insurance Rates

Illustrated below are monthly costs of several of the most popular plans in Cuyahoga County, including Parma, Brook Park, Brooklyn Heights, Broadview Heights, Middleburg Heights, Garfield Heights, Maple Heights, and North Royalton. The federal subsidy has automatically lowered the rate and the household consists of a married couple (both age 45) with one 15 year-old child and $55,000 household income.

$0 CareSource Marketplace Bronze First

$29 – Medical Mutual Market HMO Standard Expanded Bronze

$62 – Aetna Bronze 2 HSA

$74 – Medical Mutual Market HMO 9450

$82 – Aetna Bronze S

$84 – Medical Mutual Market HMO 8300

$88 – UnitedHealthcare Bronze Value HSA

$103 – UnitedHealthcare Bronze Value

$104 – Ambetter Standard Expanded Bronze

Area Hospitals Covered By Provider Networks

Cleveland Clinic (Shown Above)

Euclid Hospital

Fairview Hospital

Huron Hospital

Lakewood Hospital

Lutheran Hospital

MaryMount Hospital

MetroHealth Medical Center

University Hospitals Parma Medical Center

South Pointe Hospital

St. John Medical Center

St. Vincent Medical Center

Parma Area Area Medicare Advantage Plans With Largest Enrollment

Anthem MediBlue Preferred

Anthem MediBlue Dual Advanrtage

UnitedHealthcare Dual Complete LP

AARP Medicare Advantage Plan 1

AARP Medicare Advantage Plan 7

HumanaChoice H5216-285

CareSource MyCare Ohio

 

You can view Parma quotes within minutes after providing your zip code and some other basic information. We can easily provide a customized recommendation based on your budget and benefit preferences.