Ohio Health InsuranceIndividuals and Families
Ohio Health Insurance
How to find an affordable plan.
A recent think tank study in the state of Ohio found that a typical 40 year old woman pays 20%-50% more for individual health insurance coverage than a typical man of the same age. While this premium disparity may seem unfair on the surface, if you dig deeper you discover that this is exactly how a free market health insurance system works. Health insurance costs women more because women use maternity services and men don’t. There are many other common sense examples that affect the market. Younger people get sick less than older people. People with diseases need more care and cost more than those that are healthy. Because of these real world truths, individual health insurance - meaning a policy outside of a group coverage often offered by employers - can be exceedingly expensive. Of course, not having health insurance can lead to serious financial consequences including personal bankruptcy. Government is attempting to address these concerns at the national level through Healthcare Reform which includes Ohio health insurance exchanges. But with the fate of this legislation uncertain there are some things you can do now to find affordable health insurance that are addressed later in this article.
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How to Shop for Individual Health Insurance
The following circumstances and options will affect the cost of your individual health insurance policy:
Your age: The older you are the more expensive the premium. The exception is once you are Medicare eligible costs come down and can be better managed.
Your health: The healthier you are the lower the premiums.
Deductibles: The higher the deductible the lower the monthly cost of health insurance. Remember, you must come out of pocket first to cover a deductible so it is wise to have at least the equivalent in liquid savings.
Premium payment frequency: Paying your premium annually will typical reduce your overall costs.
Health Insurance Exchanges in Ohio
To learn more about the benefits of the Health Insurance Exchange in your state, click here
Resources and Information
Ohio Medicare Plans
Seniors age 65 and older are eligible for a variety of Medicare plans in Ohio. Medicare plan options include Medigap and Medicare Advantage policies:
Ohio Doctor Directory
Doctors practicing medicine in the State of Ohio are licensed by the state. Doctors accept different forms of health insurance which you can verify before setting an appointment.