Professional
enrollment support is available for all of the benefit plans listed on this page.
Send your question by
e-mail or live online chat.
Most Liberal Eligibility
Most Affordable
Long Term Major Medical
Dental Insurance
Online Life Insurance
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Ohio Affordable Health Insurance Exchange
Ohio has 30
commercial health
insurance companies
licensed to offer
individual health
insurance and 27
small group health
insurance plans. These
standard health
insurance plans may
not be affordable to
all residents. This Web page lists some of the most popular low cost commercial health insurance plans and related benefits. All of these policies offer secure online enrollment and professional OnlineAdviser personal enrollment support. Please note that while many of these choices could be included in more than one of the suggested usage categories, each plan is listed only once for the sake of brevity. Your enrollment adviser is available to discuss suitability of any plan for your specific situation.
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Ohio insurance & benefit news
Ohio had the 12th
lowest health insurance costs of all states in 2008 with an average family premium of $11,425 per year.
(The average annual
premium for a U.S.
family covered under
an
employer-sponsored
health plan in 2008
was $12,298
according to
The
Commonwealth Fund
report. The
overall quality of
health care
ranked 21st out of
the 51 states
(including DC).
New state laws that
will be phased in
beginning January 1,
2010 limit the cost
of guaranteed issue
commercial coverage
for high risk
individuals to 150%
of the standard
rate. Ohio does not
sponsor a high risk
health insurance
pool.
Short Term Insurance
Intermediate Term
Supplemental Insurance
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Ohio Insurance Law
The
Ohio Department
of Insurance Web site contains help
sections for each
type of insurance
including a section
on financially
assisted health
plans and Medicaid.
The Web site has not yet
developed resources
to help individuals
find
commercial low cost
health plans like
mini-med or core
coverage, specific
illness policies,
supplemental
insurance and
basic health
insurance.
The state insurance department can be reached by telephone at (800) 686-1526 or by mail at P O Box 303351, Montgomery, AL 36130-3351.
The state children's
health insurance
plan (CHIP) Web site
is
Ohio
Healthy Start.
Non-insurance Discount Plans
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Consumer Insurance Issues
6/28/2010 High Risk Health Insurance Up to 5,000
Ohio residents with significant ongoing medical expenses ineligible for other
coverage are now eligible to purchase health insurance under the federal health
insurance reform program. Individual open enrollment health insurance is offered through
Medical Mutual of Ohio regardless of previous medical conditions except that
those currently confined to a health care facility due to chronic illness or
permanent injury are not eligible. Premium rates are currently $457 for basic
coverage and $613 for standard coverage. The premium costs are subsidized by funds from the federal government totaling about $30,000
over the next three years for each expected participant in the plan. Coverage
may be limited for pre-existing conditions for the first 12 months if the
applicant is currently uninsured or there is a gap in previous recent coverage
greater than 63 days. Otherwise, a three month waiting period applies to
pre-existing medical conditions.
Quotes are available online but application must be made with a
paper application that may be downloaded in PDF format for printing at home.
5/14/2010 Diabetes Coverage: A new resource to help find
health
insurance for diabetics in Ohio is now available at Freedom Benefits.
3/23/2010 A citizen-based constitutional
amendment has been introduced to protect the rights of Ohioans to opt out of the
federal health care reform.
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