Private Medical Insurance Ohio: Affordable Health Coverage

In Ohio, private medical insurance can be a vital safety net for unexpected medical expenses. Ohio's average health insurance premium is around $450 per month for a 30-year-old non-smoker.

With so many options available, it can be overwhelming to choose the right plan. Some private medical insurance plans in Ohio offer deductibles as low as $500, while others may have deductibles of up to $5,000.

Anthem BCBS Ohio offers one of the larger provider networks in the state, giving you a wide range of choices in plans, coverage, and price levels.

Their innovative cost-of-care products and programs aim to make healthcare more affordable and accessible.

A notable feature of Anthem BCBS is its focus on cost-of-care, which can help you save money on medical expenses.

Anthem BCBS Ohio offers one of the larger provider networks in Ohio, giving you a wide range of choices in plans, coverage, and price levels.

CareSource plans provide comprehensive, quality coverage that you can afford, understand, and use.

Anthem BCBS also offers innovative cost-of-care products and programs that can help you manage your healthcare expenses.

With CareSource, you can choose from individual and family plans with optional dental and vision coverage to suit your needs.

Anthem BCBS has a wide range of plans to choose from, allowing you to select the coverage that best fits your budget and healthcare requirements.

CareSource plans are designed to be affordable and easy to understand, so you can focus on your health, not your insurance.

Oscar is a private insurance provider that does health insurance differently. They offer more coverage, less hassle, and perks that give you the most value for your premium.

One of the key benefits of Oscar is that they focus on providing more coverage. This means you can expect a higher level of care and support when you need it most.

Oscar's approach to health insurance is centered around giving you the most value for your premium. They achieve this by streamlining the process and reducing hassle wherever possible.

Summa offers affordable medical insurance options for various groups, including employers, individuals, families, and Medicare-eligible individuals.

Their goal is to consistently exceed their members' expectations with quality coverage.

SummaCare is a part of Summa Insurance Ohio, providing medical insurance solutions to meet different needs.

They aim to make healthcare more accessible and affordable for their members.

If you're looking for a plan that fits your budget, Anthem health plans offer coverage for doctor visits, hospital care, and mental health benefits, plus $0 virtual care, 24/7, and prescription drug coverage with some commonly-used drugs as low as $0.

Nine out of ten people can save on the cost of health coverage with Anthem health plans, so it's worth exploring your options.

You can find affordable health insurance options in Ohio through HealthCare.gov – the ACA Marketplace, where nine out of ten Ohio Marketplace enrollees were receiving income-based subsidies, known as Advance Premium Tax Credits (APTC), which can reduce your premium and lower your overall costs.

You can find affordable health insurance options in Ohio through HealthCare.gov – the ACA Marketplace. As of early 2024, nine out of ten Ohio Marketplace enrollees were receiving income-based subsidies, known as Advance Premium Tax Credits (APTC), which can reduce your premium and lower your overall costs.

The subsidies averaged about $499/month, and the average net premium paid by enrollees was about $130/month. This means that many people in Ohio can get quality health insurance for a relatively low price.

If your household income isn’t more than 250% of the federal poverty level, you may also be eligible for cost-sharing reductions (CSR). CSRs help lower your deductibles and out-of-pocket expenses. This can be a big help for people with average healthcare needs.

Silver health insurance plans have average monthly payments but a lower deductible than a Bronze plan. These plans are ideal for individuals and smaller families with average healthcare needs. Silver plans also offer cost-sharing reductions for those who qualify.

Anthem health plans in Ohio include coverage for doctor visits, hospital care, and mental health benefits, plus $0 virtual care, 24/7, and prescription drug coverage, with some commonly-used drugs as low as $0.

Gold plans have higher monthly payments, but they also offer lower deductibles than silver plans. This makes them a good fit for individuals or families with regular healthcare needs.

They cover most routine healthcare costs, which can be a big relief for those who need ongoing medical care.

To choose the right plan, you need to understand the basics of health insurance. You can start by exploring the different types of plans available, including individual and employer-based insurance. Individual health insurance is a great option for those who are self-employed or don't have access to employer-based coverage.

Understanding how a deductible works can also help you make a more informed decision. A deductible is the amount you pay out-of-pocket for medical expenses before your insurance kicks in. By choosing a plan with a higher deductible, you can lower your premium costs. However, keep in mind that you'll need to pay more upfront for medical expenses.

Selecting a doctor is an important part of choosing a health insurance plan. Look for a plan that has a large network of in-network providers to ensure you can see a doctor you like. You can also consider a plan that offers a health savings account (HSA) to help you save for medical expenses.

Health insurance costs can be complex, but it's essential to understand what you're getting into. The cost of a plan is typically determined by factors such as your age, health status, and location. Be sure to carefully review the costs associated with a plan before making a decision.

With private medical insurance in Ohio, you can enjoy faster access to care, with reduced wait times for appointments and medical procedures. This means you can get the medical attention you need quickly, without having to wait for long periods of time.

You can tailor your private insurance policy in Ohio to include dental, vision, or specialized treatments, giving you customized coverage that meets your unique needs. This flexibility is especially helpful for individuals or families with specific healthcare requirements.

Here are some key benefits to consider:

Gold plans, for example, have higher monthly payments but an even lower deductible than Silver plans, making them a good choice for those with regular, ongoing healthcare needs. They cover most routine healthcare costs, giving you peace of mind and financial security.

With private health insurance in Ohio, you can enjoy a range of benefits that enhance your overall healthcare experience.

One of the most significant advantages is faster access to care, allowing you to get appointments and medical procedures with reduced wait times.

You can also tailor your private insurance policy to include dental, vision, or specialized treatments, giving you customized coverage that meets your unique needs.

An expansive network of healthcare providers across Ohio means you have greater provider choice, making it easier to find the right care for you.

Private family insurance in Ohio also allows you to address the specific healthcare needs of your loved ones comprehensively.

But preventive care is just as important as accessing care quickly. And with your plan, you can enjoy $0 preventive care when you see a doctor in your plan's network.

Preventive care includes checkups, screenings, and vaccines, all at no cost to you.

Here are some examples of preventive care services you can get at no cost:

Your Anthem health plan includes coverage for most generic and many brand-name prescription drugs. Some commonly-prescribed drugs are available starting as low as $0.

You'll pay a certain amount for medications, depending on the coverage tier or class of drug.

To enroll in a Marketplace plan in Ohio, you can visit HealthCare.gov, a platform where you can shop, compare, and buy individual and family health plans.

You can also purchase individual and family health coverage with the help of an insurance agent or broker, a Navigator or certified application counselor.

For a more personalized experience, you can call HealthCare.gov's contact center by dialing 1-800-318-2596 (TTY: 1-855-889-4325) 24 hours a day, seven days a week, but it's closed on holidays.

Here are some options to enroll in a Marketplace plan in Ohio:

To qualify for health coverage through the Marketplace in Ohio, you must live in Ohio, be a United States citizen or national, or be lawfully present, and not be incarcerated. You also can't be enrolled in Medicare.

Eligibility for health coverage is not the only factor; financial assistance is also available to those who meet specific criteria. To qualify for financial assistance, your income must compare favorably with the cost of the second-lowest-cost Silver plan in your area, which varies by age and location.

To get financial assistance, you must not have access to affordable health coverage through your employer. If your employer offers coverage but you feel it's too expensive, you can use our Employer Health Plan Affordability Calculator to see if you might qualify for premium subsidies in the Marketplace.

You can't be eligible for Medicaid or CHIP, or premium-free Medicare Part A, to qualify for financial assistance. Additionally, if you're married, you must file a joint tax return (with very limited exceptions).

You can enroll in a Marketplace plan in Ohio through various channels, including visiting HealthCare.gov, purchasing with the help of an insurance agent or broker, or enrolling via an approved enhanced direct enrollment entity.

To enroll online, you can visit HealthCare.gov, a platform where you can shop, compare, and buy individual and family health plans. This website is available 24/7, except on holidays.

You can also call HealthCare.gov's contact center by dialing 1-800-318-2596 (TTY: 1-855-889-4325) for assistance with enrolling in a Marketplace plan.

The contact center is available 24 hours a day, seven days a week, but it's closed on holidays.

Here are the channels you can use to enroll in a Marketplace plan in Ohio:

Ohio has 13 insurers offering Marketplace plans for 2025, including 12 returning insurers and one new insurer, Antidote Health Plan. This is a significant number of options for residents to choose from.

Residents in nearly all areas of Ohio can choose from at least five insurers' plans for 2025 coverage.

Marketplace health insurance premiums in Ohio are indeed increasing, but the extent of the increase varies depending on the insurer. For example, Aetna Health, Inc. has an approved rate change of 17.43% for 2025.

Most Ohio exchange enrollees receive premium tax credits, which means they don't pay the full premium. The changes in plan rates and subsidy amounts determine their net rate change.

Aetna Health, Inc. has the highest approved rate change of 17.43% for 2025, while Buckeye Community Health Plan has a decrease of 4.4%.

Here's a breakdown of the average rate changes approved for Ohio's Marketplace insurers for 2025:

Over the years, average unsubsidized premiums have changed in Ohio, with some years seeing increases and others seeing decreases.

If your household income isn't more than 250% of the federal poverty level, you may be eligible for cost-sharing reductions (CSR), which can lower your deductibles and out-of-pocket expenses.

Nine out of ten Ohio Marketplace enrollees were receiving Advance Premium Tax Credits (APTC) as of early 2024, which reduced their premium and lowered their overall costs, with subsidies averaging about $499/month.

With APTCs and CSRs, an ACA plan can be a cost-effective health insurance option. Low-cost health insurance is also available through Medicaid in Ohio.

Ambetter offers quality healthcare solutions that help residents of Ohio live better. With a variety of affordable coverage options, they cater to different needs.

Their coverage options are designed to provide residents with the care they need without breaking the bank.

The fact that Ambetter provides quality healthcare solutions is a testament to their commitment to the community.

Running a small business can be challenging, but securing reliable health insurance doesn't have to be. Our specialized small business health insurance in Ohio provides peace of mind, allowing you to focus on growth.

Ohio businesses can get personalized guidance and flexible health insurance options to help their teams stay protected and productive.

You can find affordable health insurance options in Ohio through HealthCare.gov, the ACA Marketplace.

Nine out of ten Ohio Marketplace enrollees were receiving income-based subsidies, known as Advance Premium Tax Credits (APTC), averaging about $499/month.

These subsidies can significantly reduce your premium and lower your overall costs.

As of early 2024, the average net premium paid by enrollees was about $130/month.

If your household income isn’t more than 250% of the federal poverty level, you may also be eligible for cost-sharing reductions (CSR), which help lower your deductibles and out-of-pocket expenses.

Low-cost health insurance is also available through Medicaid, and you can use our guide to see if you qualify.

Private health insurance in Ohio can be a cost-effective option for individuals, families, and small businesses, with OC Health Solutions dedicated to helping you find an affordable policy that meets your needs.

You can save on healthcare costs while enjoying high-quality coverage tailored to your requirements in Ohio.

Anthem health plans, for instance, include coverage for doctor visits, hospital care, and mental health benefits, plus $0 virtual care, 24/7, and prescription drug coverage with some commonly-used drugs as low as $0.

Short-term health plans provide temporary health insurance for consumers who may find themselves without comprehensive coverage, but it's essential to note that these plans are not a substitute for long-term coverage.

The number of people insured through Ohio's Marketplace has seen a significant surge in recent years. In 2024, a record high of 477,793 people enrolled in private health plans through the Marketplace.

This is a substantial increase from the previous record high of 294,644 people who enrolled in 2023. The growth in enrollment can be attributed to the American Rescue Plan, which made ACA's premium subsidies more substantial and widely available.

The "unwinding" of the pandemic-era Medicaid continuous coverage rule also contributed to the enrollment growth, with over 190,000 Ohio residents transitioning from Medicaid to a Marketplace plan by April 2024.