Affordable Ohio Health Insurance Plans

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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.

Companies

Participating carriers in the area (for 2023 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 2024 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 include most areas of the Buckeye State.

The highest availability for coverage is Bronze, Silver, and Gold contracts. Platinum and Catastrophic options are limited since most companies don’t always offer these plans in all areas of the state. Nearby counties, such as Champaign, Montgomery, Greene, Madison, Fayette and Miami charge slightly different prices, and may have different provider networks. Medicare Advantage and Supplement prices also differ.

Sample Springfield (Clark County) Monthly Rates

32-Year-Old With $35,000 Household Income

$36 – Anthem Bronze Pathway X HMO 9100

$36 – Anthem Bronze Pathway X HMO 9100/0% Standard

$41 – Anthem Bronze Pathway X HMO 6000

$52 – Anthem Bronze Pathway X HMO 5000

$56 – Anthem Bronze Pathway X HMO 5500

$57 – Anthem Bronze Pathway X HMO 7450/0% for HSA

$60 – Anthem Bronze Pathway X HMO 6000/20% for HSA

 

35-Year-Old Married Couple (2 Persons) With $51,000 Household Income

$34 – Anthem Bronze Pathway X HMO 9100/0% Standard

$35 – Anthem Bronze Pathway X HMO 9100/0% Standard

$45 – Anthem Bronze Pathway X HMO 6000

$68 – Anthem Bronze Pathway X HMO 5000

$76 – Anthem Bronze Pathway X HMO 5500

$77 – Anthem Bronze Pathway X HMO 7450/0% for HSA

$85 – Anthem Bronze Pathway X HMO 6000/20% for HSA

 

45-Year-Old Married Couple With One Child (3 Persons) With $62,000 Household Income

$22 – Anthem Bronze Pathway X HMO 8700

$44 – Anthem Bronze Pathway X HMO 6000

$61 – Anthem Bronze Pathway X HMO 5000

$73 – Anthem Bronze Pathway X HMO 6000 20 for HSA

$77 – Anthem Bronze Pathway X HMO 6850 0 for HSA

$85 – Anthem Bronze Pathway X HMO 5500

NOTE: The prices listed above only represent a small fraction of plan options that are offered. Many other factors must be considered, such as other family members, “cost-sharing” through Silver tier plans, network availability, and anticipated cost of future medical treatment, so the proper policy can be selected.

Senior Medicare Plans

 

Medicare Advantage Plans – Clark County

AARP Medicare Advantage Flex Plan 6 – $0 deductible HMO with monthly rate of $0. Inpatient and outpatient hospital copays are $350 (days 1-5) and $350 per visit. Office visit copays are $5 and $45. Urgent Care and ER copays are $40 and $90. 30-day preferred pharmacy copays are $6 (Tier 1), $12 (Tier 2), and $47 (Tier 3). 90-day preferred pharmacy copays are $0 (Tier 1), $36 (Tier 2), and $141 (Tier 3). Plan Summary Star Rating is 4.5.

AARP Medicare Advantage Plan 3 – $0 deductible HMO with monthly rate of $109. Inpatient and outpatient hospital copays are $225 (days 1-4) and $0-$225 per visit. Office visit copays are $5 and $25. Urgent Care and ER copays are $40 and $90. 30-day preferred pharmacy copays are $0 (Tier 1), $8 (Tier 2), and $45 (Tier 3). 90-day preferred pharmacy copays are $0 (Tier 1), $16 (Tier 2), and $135 (Tier 3). Plan Summary Star Rating is 4.5.

AARP Medicare Advantage Plan 2 – $0 deductible HMO with monthly rate of $20. Inpatient and outpatient hospital copays are $295 (days 1-5) and $295 per visit. Office visit copays are $0 and $35. Urgent Care and ER copays are $40 and $90. 30-day preferred pharmacy copays are $0 (Tier 1), $12 (Tier 2), and $45 (Tier 3). 90-day preferred pharmacy copays are $0 (Tier 1), $24 (Tier 2), and $135 (Tier 3).

Aetna Medicare Value – $150 deductible PPO with monthly rate of $0. Inpatient and outpatient hospital copays are $315 (days 1-5) and $40-$275 per visit. Office visit copays are $10 and $40. Urgent Care and ER copays are $10-$65 and $80. 30-day preferred pharmacy copays are $2 (Tier 1), $5 (Tier 2), and $42 (Tier 3). 90-day preferred pharmacy copays are $6 (Tier 1), $15 (Tier 2), and $126 (Tier 3).

Anthem MediBlue Essential – $60 deductible HMO with monthly rate of $0. Inpatient and outpatient hospital copays are $350 (days 1-5) and $0-$295 per visit. Office visit copays are $5 and $40. Urgent Care and ER copays are $35 and $80. 30-day preferred pharmacy copays are $4 (Tier 1), $15 (Tier 2), and $42 (Tier 3). 90-day preferred pharmacy copays are $12 (Tier 1), $45 (Tier 2), and $126 (Tier 3).

Buckeye Health Plan MyCare Ohio (Medicare-Medicaid) – $0 deductible with monthly rate of $0. Inpatient and outpatient hospital copays are $0. Office visit copays are $0. Urgent Care and ER copays are $0. 30-day preferred pharmacy copays are $0 (Tier 1), $0 (Tier 2), and $0 (Tier 3). 90-day preferred pharmacy copays are $0 (Tier 1), $0 (Tier 2), and $0 (Tier 3).

CareSource Advantage Zero Premium – $250 deductible HMO with monthly rate of $0. 30-day preferred pharmacy copays are $6 (Tier 1), $15 (Tier 2), and $47 (Tier 3). 90-day preferred pharmacy copays are $18 (Tier 1), $45 (Tier 2), and $141 (Tier 3).

HumanaChoice PPO – $195 deductible with monthly rate of $25. Inpatient and outpatient hospital copays are $415 (days 1-4) and $415 per visit. Office visit copays are $15 and $45. Urgent Care and ER copays are $15-$45 and $80. 30-day preferred pharmacy copays are $2 (Tier 1), $8 (Tier 2), and $47 (Tier 3). 90-day preferred pharmacy copays are $6 (Tier 1), $24 (Tier 2), and $141 (Tier 3).

MediGold Essential Care – $250 deductible with monthly rate of $0. Inpatient and outpatient hospital copays are $285 (days 1-7) and $0-$275 per visit. Office visit copays are $10 and $50. Urgent Care and ER copays are $40 and $80. 30-day preferred pharmacy copays are $2 (Tier 1), $18 (Tier 2), and $45 (Tier 3). 90-day preferred pharmacy copays are $6 (Tier 1), $54 (Tier 2), and $135 (Tier 3).

Least Expensive Medicare Supplement Plans In Clark County

Female (Age 65) With Household Discount (Monthly Rates)

$30 – United American Plan G (HD)

$30 – United American Plan F (HD)

$33 – New Era Life Plan G (HD)

$34 РNew Era Life  Plan F (HD)

$36 – United States Fire Plan F (HG)

$36 – Cigna Plan G (HD)

$70 – AARP-UnitedHealthcare Plan A

$72 – SBLI USA LifePlan N

$73 – Cigna Plan N

$73 – AFLAC Plan N

$75 – United States Fire Plan N

$75 – Manhattan Life Plan N

 

Local Hospitals And Other Facilities

With a population of about 60,000, the size of the city allows residents to choose among a wide variety of medical facilities. The Springfield Regional Medical Center is a full-service hospital that provides emergency services 24 hours per day. Ohio Valley Surgical Hospital is also available and serves Clark and Champaign counties. The City Hospital, that was located on High Street, stopped serving patients seven years ago. The structure was eventually demolished in 2012.

Other area hospitals include Mercy Health Regional Medical Center (Springfield), Mercy Health (Urbana), Wright Patterson Medical Center (Fairborn), Greene Memorial (Xenia), Soin Medical Center (Beavercreek), Madison Health (London), Children’s Hospital (Dayton), Grandview Medical Center (Dayton), Miami Valley Hospital (Dayton), Kettering Medical Center (Kettering), Sycamore Medical Center (Miamisburg), and Upper Valley Medical Center (Troy).

Nearby Areas

Also enjoying low rates are the Columbus and Dayton areas. Historically, the lowest health insurance rates have been in the Central and Southwestern portion of the state. Cincinnati area prices are also very affordable when compared to most other parts of the state. Nearby Warren and Clermont counties still have very inexpensive rates, especially in Springboro, Middletown and Loveland. Franklin, Carlisle and other communities around West Chester also have very competitive rates.