Ohio Health Insurance

Health Insurance Overview

Ohio residents have many options for health care coverage. There are numerous Ohio insurance providers to choose from, along with a variety of Ohio medical insurance plans designed to meet the specific needs of individuals, families and groups.

Whether you need independent self-employed health coverage, or your employer simply doesn’t offer group Ohio health insurance benefits. Whether you are looking to cover your spouse and children under the same low rate, or you are a small business that wants to provide your employees with affordable coverage. Whatever your situation, we are your one stop resource for all your health care needs – including reliable Ohio medical insurance from the best Ohio insurance providers around.

Each state is unique in its laws and regulations, as well as the types of coverage it offers. Here you will find an array of resources and useful information to help you better understand Ohio health insurance and the range of options available to you. This includes current facts and statistics about residents, important state legislation, financial assistance and public Ohio health insurance programs, and even details on some of the top Ohio insurance providers.

To compare specific Ohio medical insurance plans offered by the various Ohio insurance providers, and get a personalized quote for the options that are right for you, contact us now for free. We’ll connect you with a highly qualified insurance agent near you who will be happy to help you with all of your Ohio health insurance needs.

At Healthcare Solutions Team, we’re committed to making affordable health care accessible to everyone. Our group of elite Ohio health insurance advisors is dedicated to helping match the right coverage to fit the unique needs of all families, individuals and groups. Not a resident of Ohio? Find your state here.

Ohio Health Insurance Facts & Statistics

Total Ohio Residents – 11,392,400

Total Health Insurance Coverage In Ohio:
Employer – 53%
Individual – 5%
Medicaid – 14%
Medicare – 14%
Other Public – 1%
Uninsured – 14%

Average Individual Monthly Premiums – NA

Average Annual Single Employee Contribution for Employer-Based Health Insurance Plan – 20%

Average Annual Single Employee Premium for Employer-Based Health Insurance Plan – $952

Average adjusted hospital cost per inpatient day – $2,021

Source data according to the Kaiser Family Foundation (http://www.kff.org/) (2009-2012 data) and http://www.statehealthfacts.org/

Ohio Medical Insurance Laws, Regulations & Policies

There are several Ohio health insurance laws and regulations that are put in place to protect policyholders living in the state. In Ohio, state law mandates open enrollment periods where no application for Ohio health insurance can be turned down for any reason. Each Ohio insurance provider has its own individual open enrollment period; please refer to our listing of providers below to learn more.

During the Ohio health insurance open enrollment periods, health insurers must offer a basic or standardized health plan. These basic plans are required to cover certain medical services such as:

  • Screening for breast and cervical cancer
  • Vaccinations for children

Ohio insurance providers must also cover mental health conditions equal to physical health conditions.

Ohio Health Insurance Resources

Ohio Health Insurance High Risk Pool

The Patient Protection and Affordable Care Act established temporary national high risk pools to provide health insurance to those with pre-existing conditions. Residents in Ohio with pre-existing conditions will be able to get affordable health insurance from the Ohio High Risk Pool. This works similar to regular Ohio health insurance plans and requires enrollees to pay affordable premiums and out-of-pocket costs.

Enrollees in the Ohio program pay around the same amount that people without medical conditions pay for health insurance. The estimated premiums for Ohio residents for non-smokers range from $189 to $545 per month. There are two deductible choices for either $1,500 or $2,500 for in-network medical costs. The out-of-pocket limits are $3,000 and $4,950 for in-network visits. Residents who are eligible for the plan will get access to heath insurance coverage for emergency services, prescription drugs, doctor and hospital visits, and more.

Individuals may apply for the Ohio program if they are a United States’ citizen, have an existing medical condition, and have been without health insurance for six months. For more information on the Ohio health insurance high risk pools visit http://www.ohiohighriskpool.com/.

To stay up-to-date on the latest health care reform news, visit: http://healthreform.kff.org/

Ohio Medical Insurance and Health Care Programs

The state of Ohio offers residents quite a few public health insurance programs to assist low-income residents in getting access to affordable health care and insurance coverage. These programs include:

  • Medicaid
    In Ohio, the state’s Medicaid program provides some low-income residents and disabled citizens with health coverage. To learn more about Ohio Medicaid, visit them online at http://jfs.ohio.gov/OHP/index.stm.
  • Healthy Start/Healthy Families
    These programs are designed to provide coverage for Ohio children, pregnant women, and families who cannot afford their own health insurance. To learn more about Healthy Start and Healthy Families, visit Ohio health insurance program online.
  • Ohio’s Best Rx
    This program provides senior citizens living in Ohio with prescription drug discount cards. For more information, visit the Ohio health insurance program’s website.
  • Ohio Medicare
    Seniors can find Ohio health insurance through Medicare Advantage, Medicare Supplement and Original Medicare.
  • Breast and Cervical Cancer Prevention Project
    Ohio women who have low incomes may qualify for free mammograms and cervical cancer screening through this program. If a woman is diagnosed with cancer through this program, she is eligible for full health coverage through Medicaid. Learn more here.

Certain trade workers and early retirees may also qualify for the Federal Health Coverage Tax Credit which pays for a part of health plan premiums. Find out more about this tax benefit online.

Ohio Insurance Providers

Aetna Health Insurance

Aetna is one of the largest health insurance providers in America with more than 30 million members. Its network includes more than 787,000 health care professionals.

Aetna AARP Health Insurance

Aetna covers more than 30 million members and is one of the largest health insurance companies in the country. Policyholders have access to more than 787,000 doctors, hospitals and other health care providers.

Anthem Blue Cross and Blue Shield of Ohio Health Insurance

Anthem Blue Cross and Blue Shield is one of the largest health insurance companies in the country. It offers residents in Ohio access to high-quality health care with comprehensive insurance coverage.

Assurant Health Insurance

Assurant Health, headquartered in Milwaukee, has been offering quality insurance products and coverage to more than 1 million members since 1982. Assurant is committed to providing health insurance plans that have broad coverage while providing valuable protection.

Celtic Health Insurance

Celtic concentrates on individual health insurance, offering a wide variety of plans for both individuals and families.

Companion Life Insurance Company Health Insurance

Companion Life Insurance Company specializes in employee benefit plans in 45 states and the District of Columbia. It has been providing these services and coverage for the last 35 years, becoming a single source for affordable life, disability, accident, dental, vision, and other specialty insurance programs.

Golden Rule Health Insurance

Golden Rule Insurance Company provides affordable and customized health insurance plans for millions of individuals and families.

Great American Health Insurance

Great American Insurance Company, part of Great American Financial Resources Inc., is a leading provider of health insurance and other coverage solutions.

Health America Health Insurance

In Pennsylvania and Ohio, Health America’s care network includes 26,000 physicians and more than 200 hospitals. Its health plans were also rated number one by the NCQA in more categories than any other Pennsylvania insurance company.

Humana Health Insurance

Through affordable health insurance options, Humana helps its members better manage their health care and make informed health decisions.

John Alden Health Insurance

John Alden Life Insurance has been selling health coverage throughout America since 1961. Today, it is part of Assurant. John Alden plans include individual health and small group coverage. It also sells Health Savings Account plans.

Kaiser Permanente Health Insurance

Kaiser Permanente is the nation’s largest non-profit health insurance provider with 8.2 million members across nine states in the U.S.

Medical Mutual of Ohio SuperMed One Health Insurance

Medical Mutual of Ohio has 70 years experience in the health insurance industry. Today, it has 1.5 million members and a care network including 32,000 doctors and 600 hospitals.

Standard Security Life Health Insurance

The Independence Holding Company (IHC) provides management services to large companies that deliver insurance solutions to groups and individuals. As divisions of IHC, the Standard Security Life Insurance Company of New York and the Independence American Insurance Company offer various lines of life, health and disability insurance.

SummaCare of Ohio Health Insurance

SummaCare of Ohio is a progressive, nationally recognized network of Summa hospitals, clinicians and health care centers. SummaCare of Ohio works to present excellent customer service to its 155,000 members.

Time Insurance Health Insurance

Today, Time Insurance is known as Assurant Health with insurance coverage for individuals, students, families, seniors, and businesses.

Time Short Term Health Insurance

Today, Time Short Term health insurance is offered through the Assurant name. Time short-term health plans provide comprehensive coverage for a temporary period of time at affordable rates.

UnitedHealthOne Health Insurance

Golden Rule, a United Healthcare company, has been offering affordable health insurance solutions for more than 60 years.

WorldIns ExpressMed Health Insurance

World Insurance offers several types of individual health insurance ranging from dental coverage to comprehensive major medical plans.

Important Contacts and Links

Ohio Department of Insurance and Health

Ohio Department of Insurance and Department of Health

Find the contact information for the Ohio health insurance and health departments at:

The Ohio Department of Insurance
50 W. Town Street
Third Floor Suite 300
Columbus, Ohio 43215
Phone: (614) 644-2658

Ohio Department of Health
246 North High Street
Columbus, OH 43215
Phone: (614) 466-3543