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.

Many health plans cost less than $100 per month for an individual and less than $300 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.

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.

You may also be able to qualify for an instant federal tax credit, to help pay for your policy. 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.

You can purchase a medical insurance plan (Senior and Under-65) from most of Ohio’s major insurance companies. Anthem, UnitedHealthcare, Aetna, 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 Premier) 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 months without re-applying for a renewal policy.

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. UnitedHealthcare and Anthem Blue Cross also should be considered for Group or Medicare (High-Deductible Plan F) 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 $45,000 household income.

$84 CareSource Marketplace Bronze

$134 – CareSource Marketplace Bronze Dental And Vision

$135 – CareSource Marketplace HSA Eligible Bronze

$206 – Medical Mutual Market HMO 7900

$243 – Medical Mutual Market HMO 6750 HSA

$256 – Ambetter Balanced Care 11

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

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.