Cheap Health Insurance In Ohio

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Cheap Health Insurance In Ohio – The cheapest silver health insurance plan in Ohio is the Constant Care Silver 1 plan from Molina Healthcare. However, not all counties have the same set of insurance companies available, so the most affordable health coverage may vary depending on where you live.

Ohioans can get affordable health insurance through the state’s exchange or through Medicaid, depending on income, although the best health plan for you will depend on your budget and expected costs. We recommend comparing several companies before purchasing a plan.

Cheap Health Insurance In Ohio

We recommend using these affordable health insurance policies as a starting point to determine the costs and benefits you can expect from a given level of coverage.

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Health insurance plans are classified into tiers, related to the benefits and expenses you can expect from a policy.

We’ve analyzed affordable health insurance in Ohio across each tier and identified the cheapest options to help you find the best health insurance plan for a specific level of coverage.

The cost of medical cover is largely based on your level of cover as well as your age, with older people facing significantly higher premiums.

For a silver health plan, a 40-year-old in Ohio will pay an average of $112 more per month than a 21-year-old for the same level of coverage. A 60-year-old would pay $577 more than a 40-year-old for the same health plan.

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The cheapest plans listed below are not available in all counties, as no insurers offer nationwide plans through the Ohio Marketplace, but we recommend using these to determine the premiums you can expect.

The health insurance policies available to you will vary depending on where you live in Ohio, but in each county you will be able to choose from several levels of coverage. The best low-cost health plan for you will be based in part on your income and expected medical expenses because these affect the payment rates and coverage you need.

Higher metal tiers tend to have expensive premiums, but their low cost-sharing makes them ideal for families who expect large or consistent health care expenses.

Cheap Health Insurance In Ohio

On the other hand, lower metal level health plans often have cheaper rates, but their higher out-of-pocket costs mean they’re only ideal if you have emergency savings and don’t need expensive medical care.

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Gold health insurance plans are often the best option for families with high expected medical expenses. Gold policies have the highest monthly premiums but the lowest out-of-pocket costs.

You will have to pay significantly less before your health insurance will be paid. This is a great advantage if you have an ongoing prescription, have a chronic condition, or cannot handle a large, unexpected expense and prefer a higher, but predictable, premium.

Ohio expanded Medicaid under the Affordable Care Act (ACA), meaning households with incomes up to 138% of the federal poverty level can qualify for Medicaid. Low-income families who don’t qualify can get their best rates with the Silver Plan.

Silver health insurance policies only qualify for cost-sharing reduction (CSR) subsidies if your household income falls below a certain threshold. Silver plans are also a good middle ground, as they often combine more affordable medical insurance rates than gold plans with lower out-of-pocket costs than you’ll encounter with bronze plans.

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If you are under 30 or you qualify for a hardship exemption, you may qualify for a catastrophic health insurance plan. It may offer the lowest monthly premium and highest cost sharing. Note that these plans are not eligible for premium tax credits

We do not recommend catastrophic or bronze health plans, which are available to everyone in Ohio, unless you are confident in your ability to cover out-of-pocket costs if you need health care. Your health insurance will not provide coverage until you meet your deductibles and co-pays.

So for example, the SummaCare Bronze 8000 with SCConnect network plan premium can be as much as $305 per month for a 40-year-old, which is much cheaper than the $436 premium for the SummaCare Silver 6000 with SCConnect network and 3 free PCPs . visit However, the deductible for the bronze plan is $7,800 more expensive than the deductible for the silver plan.

Cheap Health Insurance In Ohio

Health insurance rates, deductibles and maximums are set annually by health insurance providers and then submitted to state and federal regulators for approval.

Health Insurance Savings Program

For 2023, health insurance costs increased by an average of 3% at all plan levels. The cost of the Bronze plan increased the most: 7%, or $26 per month, through 2022.

Ohio residents have the option of purchasing short-term health insurance plans. Coverage can last up to 12 months, which is similar to federal guidelines. However, Ohio does not allow policyholders to renew short-term health insurance after the initial coverage expires.

You may want to consider a short-term health policy if you miss open enrollment deadlines or if you lose employer-sponsored health care. It is important to note that short-term plans do not guarantee the same essential benefits as qualified health insurance policies.

There are currently 10 health insurance companies on the Ohio State Exchange. However, none of these insurance companies offer coverage in all counties. So the best insurance company and the insurance available will vary based on your location.

Medicare Advantage Plans In Ohio

Depending on where you live, you may be able to choose from eight insurance companies, although some counties only have two health insurance companies available. For example, if you live in Meigs County, you can compare plans from two insurance companies, while Stark County residents can choose from eight insurance providers.

To help you start your search for the best health insurance plan, we’ve compared all silver insurance policies in Ohio and identified the cheapest silver plans offered in each county. Molina Healthcare’s Constant Care Silver 1 plan has the most affordable rates in 65% of Ohio’s 88 counties.

Health insurance costs are based on each person covered, and the number of people on the policy will directly affect your premium.

Cheap Health Insurance In Ohio

Children under 14 are usually covered at a fixed rate, meaning the cost of cover is unlikely to increase until they are older.

Women’s Health Insurance Coverage

An Ohio couple would pay twice the monthly price of a single person for a silver health plan, or an average of $1,027, assuming both are 40 years old. But adding a child under 15 will only increase monthly health insurance prices by an average of $307, meaning a family of three will pay $1,334 for a health plan.

Adults are assumed to be 40 years old. Children are assumed to be under 15 years of age. Sample prices are based on the average monthly cost of silver plans in Ohio.

Health insurance through the ACA is usually not free, but cost-saving programs are available for premiums and out-of-pocket expenses. You will learn if you qualify for these options when you apply for coverage through the Health Insurance Marketplace. As an alternative, you may be able to get free or low-cost health insurance in Ohio through Medicaid, depending on your income and family size.

To get health insurance in Ohio, search through the federal health insurance exchange at After you create an account, the site will help you find the right ACA-compliant HMO or PPO plan for your budget and health care needs.

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The average cost of health insurance in Ohio, across all plan levels, is $457 per month for a 40-year-old. However, prices vary by tier, from an average of $296 for a catastrophic plan to $601 per month for a gold policy.

Health insurance prices and plans in this report were compiled from the Centers for Medicare and Medicaid Services (CMS) government website. , using Public Use Files (PUFs), averages by plan level, age, family size and county to understand the Ohio health insurance market. The plans and providers for which county-level data were included in the CMS Crosswalk file were used in our analysis; Those excluded from this dataset may not appear.

To get an insurance quote over the phone, call: (855) 596-3655 Agents available 24 hours a day, 7 days a week! Ohio Governor John Kasich (in office 2011–2019) announced in early 2013 that the state would expand Medicaid using federal money to cover the vast majority of costs (paid by the federal government) by 2016, and that the federal government always would cover the costs until the newly qualified population will provide at least 90%).

Cheap Health Insurance In Ohio

Ohio lawmakers who opposed the Medicaid expansion filed suit against the Kasich administration in an attempt to block the expansion, because the decision to expand Medicaid did not involve the entire legislature — it was made through the controlling board (six lawmakers who oversee budget coordination in state — in most states as Nothing) after both the Ohio House and Senate voted to block the Medicaid expansion and Kasich vetoed their measure.

United Healthcare Archives

Finally, in late 2013, the Ohio Supreme Court ruled in favor of Governor Kasich, and the Medicaid expansion went into effect as planned in 2014. During the 2015 legislative session, lawmakers agreed

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