Cheap Ohio Health Insurance Plans
Find the best Ohio health insurance with AHiX. Compare affordable plans for individuals or families, from cheap health insurance in Ohio to comprehensive coverage options today!
At AHiX, we make it easy to find affordable and flexible coverage in Ohio. Before you begin your search, it’s important to review the state’s insurance requirements and guidelines to understand your options. Whether you’re looking for individual, family, or temporary coverage, our team is here to help you find a plan that fits your needs and budget.
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Health Insurance Plans
Choosing the best health insurance in Ohio starts with knowing what matters most to you. Whether you’re looking for individual, family, or short-term health insurance, understanding your needs can help you find a plan that offers both coverage and value. Here are key factors to guide your decision:
Coverage Needs
Think about the medical services you use most. Do you visit doctors regularly, need specialist care, or take prescription drugs? Pick a Ohio health plan that matches your typical healthcare usage.
Budget
Review both your monthly premiums and out-of-pocket costs. A lower premium might look appealing, but a plan with a higher premium could be more affordable overall if you use health services frequently.
Provider Network
Check that your preferred doctors, clinics, and hospitals are included in the plan’s network. In-network providers help reduce your costs and avoid unexpected bills.
Extra Benefits
Some Ohio health insurance plans include additional perks like wellness programs, virtual doctor visits (telemedicine), or mental health support—features that can boost both value and convenience.
Understanding the Best Health Insurance in Ohio
While Ohio doesn’t mandate its residents to have health insurance, it’s always a smart idea to get coverage. Health insurance helps you pay for regular doctor visits, as well as unexpected emergencies, reducing the risk of falling into significant medical debt.
When choosing a health insurance plan in Ohio, you can select from different levels of coverage, which will affect your monthly premium. Most insurance companies offer plans in four categories, or "tiers," that allow you to choose the level of coverage that best fits your needs and budget. Which are:
Bronze
40% out of pocket and 60% insurer pays
Silver
30% out of pocket and 70% insurer pays
Gold
20% out of pocket and 80% insurer pays
Platinum
10% out of pocket and 90% insurer pays
Before choosing an Ohio health coverage plan, assess your needs and budget. Whether you’re looking for affordable Ohio health insurance, AHiX will help you find a plan that fits both your health and financial needs.
Health Insurance Plans for Everyone
Ohio Individual Health Insurance Plan
An individual health insurance plan in Ohio is for people who need health coverage just for themselves. You can buy a plan through a private Ohio health insurance marketplace like AHiX, directly from the insurance company, or through a public exchange. If you’re married, you can also add your spouse to your plan while keeping individual coverage.
For qualified plans, here are the average monthly premiums in Ohio (for a 40-year-old, Zip code 43002):
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Single Adult
$426
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Married Couple
$852
While Ohio health coverage premiums are starting to decrease, they can still be expensive for many. In such cases, you may want to consider non-qualified plans or short-term health insurance, which offer more affordable options with varying levels of coverage.
Ohio Family Health Insurance Plans
A family health insurance plan in Ohio is to cover you, your spouse, and your dependents. Since programs like Medicaid and Medicare generally do not apply to families, your options for coverage will typically be through the Ohio health insurance marketplace or your employer.
For qualified health insurance plans, here are the average monthly premiums for a family in Ohio (Age 40, Zip code 43002):
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A married couple with one child
$1,129
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A married couple with two children
$1,407
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A married couple with three children
$1,684
While AHiX offers relatively affordable family health insurance compared to other states, many families find that the cost of qualified plans can still be high. If this sounds familiar, non-qualified plans may be a viable option. These plans typically have lower premiums and provide coverage for specific services your family may need, giving you flexibility to manage costs while still protecting your health.
Ohio Short-Term Health Insurance Plans
Short-term health insurance in Ohio is a quick and affordable option to cover unexpected accidents, illnesses, or emergencies while you’re transitioning to a more permanent health plan. It’s a simple way to get coverage for a limited period.
YHowever, short-term insurance laws differ by state. In Ohio, starting September 1, 2024, short-term health plans will only last for up to three months. Even with renewals, the total coverage duration cannot exceed four months. Short-term plans can provide immediate protection until you find the right long-term policy. Just be aware of these new limits when considering this short-term option.
Types of Individual Health Insurance Plans in Ohio
| Plan Type | Monthly Premium | Deductible | Ideal For | Coverage Description |
|---|---|---|---|---|
| Bronze | $ | $$$$ | Individuals who need minimal coverage or primarily emergency services | Bronze plans offer basic coverage with the lowest monthly premiums but come with higher out-of-pocket costs. Suitable for younger, healthier individuals who expect low healthcare usage. |
| Silver | $$ | $$$ | Individuals who need a balance between premium cost and healthcare usage | Silver plans provide a balance between premium costs and out-of-pocket expenses. These plans are ideal for those who use healthcare services occasionally and want moderate coverage. |
| Gold | $$$ | $$ | Individuals who expect regular healthcare needs | Gold plans have higher monthly premiums but lower out-of-pocket costs, making them suitable for people with frequent healthcare needs. |
| Platinum | $$$$ | $ | Individuals with extensive healthcare needs | Platinum plans offer the most comprehensive coverage with the highest premiums but the lowest Cost-sharing, perfect for individuals or families requiring extensive healthcare services. |
What to Expect in Health
Insurance Costs
When enrolling in a health insurance plan in Ohio, it’s important to understand what out-of-pocket costs may apply. While your monthly premium gives you access to medical coverage, you may still be responsible for certain healthcare costs.
Deductible
A deductible is the amount you must pay before your health insurance begins covering costs. It resets each plan year. Some services may be covered before meeting the deductible.
Copay
A copay is a fixed fee you pay for a doctor visit, prescription, or procedure. It’s typically required after meeting your health insurance deductible.
Out-of-pocket maximum
This is the most you’ll pay in a year for deductibles, copays, and coinsurance. Once you reach this amount, your plan covers 100% of covered medical costs.
Coinsurance
Coinsurance is the percentage you pay for care after meeting your deductible. Your health plan covers the rest of the approved amount.
Ohio Medical Insurance Statistics
Consider the following statistics about health care coverage in Ohio.
11.79 million
Total Ohio Population
6.1%
Uninsured Ohio Residents
477,793
Ohio HMO Enrollment
$1,791
Annual Employee Premium in Ohio
$3,392
Hospital Costs in Ohio before Insurance
Discover Health Insurance Plans for Every Stage of Life in Ohio
Health Insurance
Health insurance helps protect you from big medical bills and ensures you get the care you need. Each plan explains what services are covered and how costs are shared between you and the insurance company, making healthcare more affordable.
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Dental and Vision Insurance
Affordable dental and vision insurance covers routine cleanings, eye exams, fillings, and prescription lenses. It ensures regular care, lowers out-of-pocket expenses, and makes essential health services affordable and accessible for everyone.
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Short-Term Health Insurance
Short-term health insurance offers temporary coverage for people between plans, like seasonal workers or new employees waiting for group benefits. These affordable plans are simple to enroll in and provide basic care until long-term options are ready.
Find Short-Term Health PlansFrequently asked questions
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What types of health insurance plans are available in Ohio?
Ohio offers a variety of health insurance plans, including qualified plans (such as those through the ACA marketplace), non-qualified plans, and short-term health insurance plans. You can choose from plans based on your budget, coverage needs, and family size.
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How can I find affordable health insurance in Ohio?
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What is the Ohio Health Insurance Marketplace?
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Can I apply for an Ohio health insurance plan if I don’t have employer coverage?
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What is the difference between qualified and non-qualified health insurance plans in Ohio?
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What is the cost of health insurance in Ohio for a family?
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How long does short-term health insurance last in Ohio?
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Can I get dental coverage with my Ohio health insurance plan?
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How do I apply for health insurance in Ohio?
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What happens if I miss the health insurance enrollment period in Ohio?
Find the Right Ohio Health Insurance Plans Today
At AHiX Marketplace, we provide a variety of Ohio health insurance plans for individuals, families, and small businesses. Compare qualified and non-qualified plans from top providers to find affordable coverage that fits your needs. Start your search today and discover the perfect plan for you!