Compare Affordable Ohio Health Insurance Quotes
Ohio Health Insurance
Are you in need of Ohio health insurance? Discover affordable plans from federal marketplace insurers, customize your coverage within your budget, and receive expert advice in the State of Ohio.
Choosing the Right Ohio Health Insurance Plan
Picking the right metal-tier plan in Ohio health insurance is essential, as it directly affects your expected healthcare needs and your budget. If you know you’ll need healthcare often or want strong financial protection, consider a higher-tier plan like Gold or Platinum for more extensive coverage. If you’re generally healthy and want lower monthly costs, a lower-tier plan like Bronze could work but keep in mind it may mean higher out-of-pocket expenses when you do need medical care. Consider your health status and expected medical costs to find a metal-tier plan that offers the right balance of coverage and affordability.
- Bronze Tier: The Bronze tier plans typically have the lowest monthly premiums but higher out-of-pocket costs when you receive medical services. These plans generally cover around 60% of your healthcare expenses, while you would be responsible for the remaining 40%. Bronze plans are a good choice for individuals who want to keep their monthly premium costs low and are relatively healthy with minimal medical needs.
- Silver Tier: Silver-tier plans strike a balance between premiums and out-of-pocket costs. They cover approximately 70% of your medical expenses, leaving you responsible for the remaining 30%. Silver plans also offer cost-sharing reductions (CSR) for eligible individuals, which further lower out-of-pocket expenses for those with lower incomes. These plans are suitable for individuals who need more coverage than what a Bronze plan offers but want to avoid higher premiums of Gold or Platinum plans.
- Gold Tier: Gold tier plans have higher monthly premiums compared to Bronze and Silver plans but provide more extensive coverage. They typically cover about 80% of your medical costs, leaving you with 20% to pay out of pocket. Gold plans are a good fit for individuals who expect to have higher medical expenses and want more predictable and comprehensive coverage.
- Platinum Tier: Platinum tier plans have the highest monthly premiums but the most comprehensive coverage. They cover around 90% of your healthcare expenses, and you are responsible for the remaining 10%. Platinum plans are ideal for individuals who frequently use medical services and want the most extensive coverage with minimal out-of-pocket expenses.
Cheapest Ohio Health Insurance Plans by County
There are numerous budget-friendly FL health insurance plans available to residents, offering essential coverage without overwhelming their financial resources and ensuring access to quality medical care for all. Below is a listing of the least expensive health insurance plan by county:
| County | Cost | Insurance company & Plan Name | Metal Level |
|---|---|---|---|
| Allen | $314.66 | Caresource Marketplace Bronze | Bronze |
| Adams | $337.35 | Ambetter Clear Bronze | Bronze |
| Ashland | $291.02 | Caresource Marketplace Bronze | Bronze |
| Ashtabula | $280.79 | Caresource Marketplace Bronze | Bronze |
| Athens | $435.87 | Molina Constant Care Silver 1 250 | Silver |
| Auglaize | $314.66 | Caresource Marketplace Bronze | Bronze |
| Belmont | $350.29 | Caresource Marketplace Bronze | Bronze |
| Brown | $333.04 | MedMutual Market HMO 9100 | Bronze |
| Butler | $321.24 | Ambetter Clear Bronze | Bronze |
| Carroll | $330.88 | Caresource Marketplace Bronze | Bronze |
| Champaign | $291.86 | Anthem BCBS Bronze Pathway X HMO 9100 | Bronze |
| Clark | $291.86 | Anthem BCBS Bronze Pathway X HMO 9100 | Bronze |
| Clermont | $333.04 | MedMutual Market HMO 9100 | Bronze |
| Clinton | $333.04 | MedMutual Market HMO 9100 | Bronze |
| Columbiana | $326.43 | MedMutual Market HMO 9100 | Bronze |
| Coshocton | $350.29 | Caresource Marketplace Bronze | Bronze |
| Crawford | $323.89 | Caresource Marketplace Bronze | Bronze |
| Cuyahoga | $266.37 | Caresource Marketplace Bronze | Bronze |
| Darke | $272.33 | Anthem BCBS Bronze Pathway X HMO 8700 | Bronze |
| Defiance | $289.19 | Caresource Marketplace Bronze | Bronze |
| Delaware | $295.10 | Oscar Bronze Simple Select | Bronze |
| Erie | $353.74 | MedMutual Market HMO 9100 | Bronze |
| Fairfield | $298.20 | Anthem BCBS Bronze Pathway X HMO 9100 | Bronze |
| Fayette | $298.20 | Anthem BCBS Bronze Pathway X HMO 9100 | Bronze |
| Franklin | $298.20 | Anthem BCBS Bronze Pathway X HMO 9100 | Bronze |
| Fulton | $304.78 | Caresource Marketplace Bronze | Bronze |
| Gallia | $379.21 | Caresource Marketplace Bronze | Bronze |
| Geauga | $280.79 | Caresource Marketplace Bronze | Bronze |
| Greene | $291.86 | Anthem BCBS Bronze Pathway X HMO 9100 | Bronze |
| Guernsey | $350.29 | Caresource Marketplace Bronze | Bronze |
| Hamilton | $321.24 | Ambetter Clear Bronze | Bronze |
| Hancock | $314.66 | Caresource Marketplace Bronze | Bronze |
| Hardin | $314.66 | Caresource Marketplace Bronze | Bronze |
| Harrison | $350.29 | Caresource Marketplace Bronze | Bronze |
| Henry | $304.78 | Caresource Marketplace Bronze | Bronze |
| Highland | $333.04 | MedMutual Market HMO 9100 | Bronze |
| Hocking | $356.28 | Caresource Marketplace Bronze | Bronze |
| Holmes | $339.70 | Caresource Marketplace Bronze | Bronze |
| Huron | $353.74 | MedMutual Market HMO 9100 | Bronze |
| Jackson | $332.63 | MedMutual Market HMO 9100 | Bronze |
| Jefferson | $350.29 | Caresource Marketplace Bronze | Bronze |
| Knox | $298.20 | Anthem BCBS Bronze Pathway X HMO 9100 | Bronze |
| Lake | $280.79 | Caresource Marketplace Bronze | Bronze |
| Lawrence | $379.21 | Caresource Marketplace Bronze | Bronze |
| Licking | $298.20 | Anthem BCBS Bronze Pathway X HMO 9100 | Bronze |
| Logan | $298.20 | Anthem BCBS Bronze Pathway X HMO 9100 | Bronze |
| Lorain | $280.79 | Caresource Marketplace Bronze | Bronze |
| Lucas | $304.78 | Caresource Marketplace Bronze | Bronze |
| Madison | $298.20 | Anthem BCBS Bronze Pathway X HMO 9100 | Bronze |
| Mahoning | $326.43 | MedMutual Market HMO 9100 | Bronze |
| Marion | $370.64 | Anthem BCBS Bronze Pathway X HMO 9100 | Bronze |
| Medina | $291.02 | Caresource Marketplace Bronze | Bronze |
| Meigs | $356.28 | Caresource Marketplace Bronze | Bronze |
| Mercer | $314.66 | Caresource Marketplace Bronze | Bronze |
| Miami | $291.86 | Anthem BCBS Bronze Pathway X HMO 9100 | Bronze |
| Monroe | 43754 | Caresource Marketplace Bronze | Bronze |
| Montgomery | 45322 | Anthem BCBS Bronze Pathway X HMO 9100 | Bronze |
| Morgan | $350.29 | Caresource Marketplace Bronze | Bronze |
| Morrow | $370.64 | Anthem BCBS Bronze Pathway X HMO 9100 | Bronze |
| Muskingum | $350.29 | Caresource Marketplace Bronze | Bronze |
| Noble | $350.29 | Caresource Marketplace Bronze | Bronze |
| Ottawa | $353.74 | MedMutual Market HMO 9100 | Bronze |
| Paulding | $314.66 | Caresource Marketplace Bronze | Bronze |
| Perry | $304.78 | Oscar Bronze Simple Select | Bronze |
| Pickaway | $298.20 | Anthem BCBS Bronze Pathway X HMO 9100 | Bronze |
| Pike | $332.63 | Anthem BCBS Bronze Pathway X HMO 9100 | Bronze |
| Portage | $291.02 | Caresource Marketplace Bronze | Bronze |
| Preble | $291.86 | Anthem BCBS Bronze Pathway X HMO 9100 | Bronze |
| Putnam | $314.66 | Caresource Marketplace Bronze | Bronze |
| Richland | $359.46 | Caresource Marketplace Bronze | Bronze |
| Ross | $332.63 | MedMutual Market HMO 9100 | Bronze |
| Sandusky | $351.81 | Paramount Bronze 2 HRA | Bronze |
| Scioto | $337.76 | Ambetter Clear Bronze | Bronze |
| Seneca | $351.81 | Paramount Bronze 2 HRA | Bronze |
| Shelby | $291.86 | Anthem BCBS Bronze Pathway X HMO 9100 | Bronze |
| Stark | $324.42 | SummaCare Bronze 8000 | Bronze |
| Summit | $291.02 | Caresource Marketplace Bronze | Bronze |
| Trumbull | $326.43 | MedMutual Market HMO 9100 | Bronze |
| Tuscarawas | $350.29 | Caresource Marketplace Bronze | Bronze |
| Union | $298.20 | Anthem BCBS Bronze Pathway X HMO 9100 | Bronze |
| Van Wert | $314.66 | Caresource Marketplace Bronze | Bronze |
| Vinton | $332.63 | MedMutual Market HMO 9100 | Bronze |
| Warren | $321.24 | Ambetter Clear Bronze | Bronze |
| Washington | $356.28 | Caresource Marketplace Bronze | Bronze |
| Wayne | $339.70 | Caresource Marketplace Bronze | Bronze |
| Williams | $304.78 | Caresource Marketplace Bronze | Bronze |
| Wood | $304.78 | Caresource Marketplace Bronze | Bronze |
| Wyandot | $353.74 | MedMutual Market HMO 9100 | Bronze |
Cheapest Ohio Health Insurance Plans by Metal Level
Choose a health plan by evaluating your healthcare needs, finances, and risk tolerance. Plans are grouped by metal tiers, representing coverage and costs. The table below shows the cheapest plan by metal level.
| Metal Level | Cost | Plan Name |
|---|---|---|
| Bronze | $298.20 | AnthemBronze Pathway X HMO 9100 |
| Silver | $390.20 | AnthemSilver Pathway X HMO 5800 |
| Gold | $428.14 | OscarGold Classic Select |
*based on a healthy 35-year-old individual in Columbus, Ohio.
Cheapest Ohio Health Insurance Plans by Insurance Company
When it comes to insurance decisions, having an insurance carrier in mind is a positive start, but the choice of a specific plan can be crucial. If you are looking for the cheapest plan your preferred Health Insurance carrier offers, the list below will greatly help you.
| Insurance company | Cost | Plan Name | Description |
|---|---|---|---|
| Ambetter | $382.60 | Clear Bronze | Deductible:$8,600 PCP:$0 after deductible Specialist: $0 after deductible |
| Anthem BCBS | $298.20 | Bronze Pathway X HMO 9100 | Deductible:$9,100 PCP:$0 after deductible Specialist: $0 after deductible |
| Caresource | $433.89 | Marketplace Bronze | Deductible:$9,100 PCP:$0 after deductible Specialist: $0 after deductible |
| MedMutual | $394.50 | Market HMO 9100 | Deductible:$9,100 PCP:$0 after deductible Specialist: $0 after deductible |
| Molina Healthcare | $474.88 | Constant Care Silver 1 250 | Deductible:$2,500 PCP:$30 Specialist: $60 |
| Oscar Health Insurance | $304.78 | Bronze Simple Select | Deductible:$9,100 PCP:$0 after deductible Specialist: $0 after deductible |
*based on a healthy 35-year-old individual in Columbus, Ohio.
Health Insurance Carriers
Ohio’s health insurance marketplace operates through Healthcare.gov, serving as a gateway for individuals and families to explore a range of vital coverage options. Among the insurance companies participating in this marketplace are:
Anthem Blue Cross and Blue Shield
AultCare Insurance Company
CareSource
MedMutual
Oscar Insurance Corporation of Ohio
These insurance providers together offer a wide range of health insurance plans, ensuring that individuals in Ohio have access to diverse options that suit their unique requirements and preferences.
Ohio Health Insurance Statistics and Figures
In 2021, 10,712,600 people were insured, while 743,100 remained uninsured. In 2023, health insurance costs averaged $413, with a 10.1% increase from the previous year. These numbers reveal the persistent challenge of rising healthcare expenses, emphasizing the need for affordable healthcare options.
| Insured (2021) | 10,712,600 |
| Uninsured (2021) | 743,100 |
| Ave. cost of Health Insurance (2023) | $413 |
| Change from Prev. Year's Ave. Premium (2022-2023) | 10.1% |
*based on kff.org dataset
Health Insurance Terms to Learn When Getting a Plan
Understanding the most basic health insurance terms is vital to making informed decisions about your coverage, comparing different plans, and effectively managing your healthcare expenses.
Premium: The premium is the amount you pay to the health insurance company regularly, usually on a monthly basis, to maintain your coverage. It is a fixed cost, regardless of whether you use healthcare services or not.
Deductible: The deductible is the amount you must pay out of pocket for covered medical services before your insurance starts to pay. For example, if you have a $1,000 deductible, you are responsible for paying the first $1,000 of covered medical expenses before your insurance coverage kicks in.
Co-payment (Co-pay): A co-payment is a fixed amount you pay for certain medical services, such as doctor visits or prescription drugs, at the time of service. Co-payments are typically a specific dollar amount (e.g., $20 per doctor visit) and can vary depending on the service.
Coinsurance: Coinsurance is the percentage of the cost of a covered healthcare service that you are responsible for paying after you’ve met your deductible. For instance, if your insurance plan has a 20% coinsurance for hospitalization, you would pay 20% of the covered costs, and the insurance company would cover the remaining 80%.
Out-of-Pocket Maximum (OOP Max): The out-of-pocket maximum is the highest amount you have to pay for covered medical services in a given year. Once you reach this limit, your insurance company covers 100% of the remaining covered medical expenses for the rest of the year.
Network: A network refers to a group of doctors, hospitals, and other healthcare providers that have contracted with a specific insurance company to provide services at discounted rates. Staying in-network usually results in lower out-of-pocket costs for the insured individual.
Out-of-Network: Out-of-network providers are healthcare professionals or facilities that do not have agreements with your insurance company. If you use an out-of-network provider, you may have higher costs, and some services may not be covered.
Enrollment Periods: For plans offered through the Health Insurance Marketplace,
Open Enrollment Period (OEP) occurs once a year, typically from November 1 to December 15, allowing individuals to enroll in or change health insurance plans for the upcoming coverage year through the Health Insurance Marketplace or their employer. Special Enrollment Period (SEP) Allows individuals to enroll in or change health insurance plans outside of the regular Open Enrollment period due to qualifying life events such as marriage, birth of a child, losing other health coverage, moving, or changes in household income. Medicare Initial Enrollment Period (IEP) is available for those eligible for Medicare, lasting seven months, beginning three months before the 65th birthday and ending three months after, allowing enrollment in Medicare Part A, Part B, Part D, and Medicare Advantage plans.
Free Health Insurance Options in Ohio
In Ohio, there are several free or low-cost health insurance options available to eligible individuals and families who meet specific criteria. These programs aim to provide essential healthcare services and coverage to those with limited financial resources. Here are some of the main options:
Medicaid: Medicaid is a state and federally-funded program that offers free or low-cost health coverage to low-income individuals and families, including pregnant women, children, parents, and adults with disabilities. Eligibility is based on income and other factors.
Marketplace Health Insurance with Subsidies: The Health Insurance Federal Marketplace in Ohio, also known as Healthcare.gov, offers private health insurance plans with subsidies (premium tax credits and cost-sharing reductions) for individuals and families with low to moderate incomes. These subsidies help lower the monthly premiums and out-of-pocket costs.