Ohio Health Insurance
Affordable Ohio Health Coverage Options

Now is the time to look at your options for affordable health insurance in Ohio for next year. Wherever you and your family live, you face the uncertainties of an upcoming Presidential election and the challenges of the COVID-19 pandemic. Ohio is no different!.  Now, more than ever, it is important to select the BEST health insurance for your family and do not pay more than you have to.

Where can you turn to for independent expert advice? TrueCoverage provides helpful resources and guidance that help you to select the most affordable health insurance plan that meets your specific needs. Remember, the Open Enrollment Period ends on December 15th. 

Save any last-minute headaches and rushed decisions by selecting your Ohio Health Insurance coverage soon.   The TrueCoverage team is here to help by providing a pre-registration service. Let us know what you need .  We will contact you with a selection of health coverage packages tailored to you, your family, or your business.


Exploring Affordable Health Coverage in Ohio

You can look for cheap health insurance in Ohio. But as we all know, the policies with the lowest monthly payments (your insurance Premium) may not be your best option.

The REAL price of health coverage depends on many variables. Deductibles and copays increase costs and tax relief on your premiums, state insurance subsidies and discounts on your medical supplies can LOWER your medical expenses. A premium might look high at first, but the total amount you spend on medical services could be much lower!

If you qualify for Medicare, you should explore the Medicare add-on plans.  Ohio has many options. About 20% of the population has enrolled in Medicare, and about 40% of these participate in a Medicare Advantage plan. Medicare Advantage and Medicare supplemental plans could save you a LOT of money.

10 Core Health Services Mandated for all ACA Compliant Plans

Before the Affordable Care Act became Federal law, insurers could refuse to cover various health benefits, resulting in overwhelming debt for many people. The ACA fixed those loopholes and required all qualifying plans to carry these coverages (in Ohio and all states):

  • Emergency services
  • Prescription drugs
  • Ambulatory patient services (hospital services that don’t need an overnight stay)
  • Hospitalization
  • Laboratory services
  • Maternity and newborn care
  • Pediatric services (for children), including dental and vision care
  • Mental health and substance abuse services
  • Preventive and wellness services, including chronic disease management
  • Rehabilitative/habilitative services and devices

The Coronavirus Pandemic, COVID-19 Testing, and the FFCRA

COVID-19 is the hot topic health insurance issue in Ohio. If you lose your health insurance due to COVID-19 or your employer closed because of the Coronavirus, testing is available at no charge. The Families First Coronavirus Response Act (FFCRA) passed in March 2020, ensures that everyone can receive COVID-19 testing. 

Read our blog: Lost your job due to Coronavirus? 5 ways to get Health Insurance

See our 5 top Ohio health insurance companies at the bottom of this page.


Key Details about Health Insurance in Ohio

Ohio is falling behind many other States regarding consumer protection from ‘surprise’ billing (see our blogs When is a surprise not a surprise? When it’s a SHOCK! and Joe Biden – building on Medicare).

Residents of Ohio have a wider choice of insurers the most States.Every area of the state is covered by two or more insurers.  While this creates a competitive market, it makes sense to dicuss your needs with an experienced, independent health insurance advisor.

Despite these advantages, Ohio Health Insurance is more expensive than in many other states.

So it is even more important to make sure you’re getting the best advice.

Exploring the Health Insurance Marketplace in OH

Ohio residents can sign up for health insurance using private insurance exchanges. These marketplaces offer more ACA-compliant plans than the state, which only deals with a handful of insurers. 

As a private exchange, TrueCoverage is bound by the same rules as the Ohio exchange but has access to hundreds of insurers.

With Health Insurance Exchanges, you gain access to ancillary insurance options like:

  • Dental
  • Vision
  • Accidental Death
  • Critical Illness
  • Disability
  • Life
  • Medicare Advantage, Medicare Supplementals

Benefits of Working with a Health Insurance Broker

TrueCoverage is a Certified Direct Enrollment Partner of Healthcare.gov.  We specialize in offering local knowledge and affordable Ohio health insurance solutions.

We offer more health insurance plans than any other resource in OH, and our unique technology quickly delivers the ‘BEST VALUE’ insurance policies that address your needs.

Like brokers in every state, TrueCoverage must operate without bias. Our job is to find you the best health insurance options, regardless of the insurance carrier. As brokers, we search for policies that best meet your needs. We also assist you throughout your contract. For example, if a dispute arose with your insurer, TrueCoverage steps in to help. If you benefit from a Special Enrollment Period, we’ll be there.

TrueCoverage is familiar with your state’s unique insurance rules, and we understand the Ohio health insurance options from the largest carriers, to the smaller specialty health insurers.

The Top 5 Health Insurance Companies in Ohio

Choosing from over 50,000 plans is daunting without independent, expert advice. That is where TrueCoverage shines. To help, we have identified the top five health insurance companies in OH.

These ratings, from The National Committee for Quality Assurance (NCQA), are based on Consumer Satisfaction, Preventive Care, and Medical treatment.

More details about the top 5 Insurance companies in Ohio  

The NCQA rates these ACA-compliant health plans as the BEST in Ohio:

  • AultCare Insurance Company
  • Paramount Insurance Company
  • Aetna Life Insurance Company (Ohio)
  • AultCare Corporation
  • Medical Health Insuring Company of Ohio (MHICO)

All ACA-compliant and Medicare plans have a star rating based on similar criteria.

Click below to learn more:

NOW is the best time to select your ACA Affordable Ohio health insurance, BEFORE Open Enrollment starts on November 1st, 2020.

affordable health insurance

Looking to find affordable health insurance?

Click on the button below to and connect with our agent to get insurance in 24 hours.

Ohio operates a federally facilitated health insurance exchange, although it also participates in plan management. Short term health insurance plans are permitted for a maximum of 364 days.  They are not renewable. They may be a useful option in some circumstances. These plans are NOT bound by the Affordable Care Act that mandates the 10 essential health benefits and they are NOT eligible for premium tax relief.

Ohio is not participating directly in the Texas-led attempt to invalidate the ACA. The case is still before the courts but will not affect your health insurance plans for 2021.

Did You Know?

Named after the Iroquois word oyo, roughly meaning “the great river” and referring to the Ohio River, the Buckeye State became the 17th state in 1803.

Fun fact

Knowing when to stop or to go: the Wright Brothers (who invented the first airplane) were born in Dayton. Akron was the first city to use police cars and in Cleveland in 1914, the first electric traffic lights were invented and installed.

Sources:  National Geographic; Infoplease; coolkidfacts

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