Ohio Health Insurance

Whether you live in Akron, Cleveland, Youngstown, Dayton, Columbus, or Cincinnati, all residents of Ohio will find there are scores of health insurance plans on the market and quite a lot of insurance carriers to do business with. These plans are designed to meet the specific health care needs of a wide variety of people.

This is the place to find the helpful information you require when trying to find the right policy to fulfil your needs. Along with being able to view some of the top insurance firms in the state, you’ll learn what specific insurance laws, rules, and regulations are in place in Ohio and if any of them apply to you when buying a health care plan. You may also be interested in learning about the various public health coverage programs available in Ohio as well as what financial assistance is obtainable.

It’s easy to request free quotes from a variety of health insurance companies and you can do this by filling in the simple online form below.

If you’re not a resident of Ohio, simply click to search for health insurance by state.

Resources on this page

Health Insurance Information and Regulations in Ohio

Public Health Insurance Programs for Ohio Residents

Ohio Health Insurance High Risk Pools

Ohio Health Insurance Companies

Contact Info for the Ohio Department of Insurance and Department of Health Services

Health Insurance Information and Regulations in Ohio

Total Ohio Residents: 11,326,800
Median Annual Household Income: $46,696
Ohio Health Care Expenditures (in millions): $81,598 /3.9%
Households with at least 1 Full Time Worker: 5,168,500
Ohio Health Insurance Coverage based on Total Population:
- Employer: 51%
- Individual: 5%
- Medicaid: 15%
- Medicare: 14%
- Uninsured: 14%
Avg. Annual Employee Premium in OH employer-sponsored plan (after employer contrib.) $1,126
Avg. Monthly Ohio Individual Premiums: $NA
Total Ohio HMO Enrollment: 2,532,483

Every state in the U.S. has individual and unique laws that govern their private health insurance market.

In Ohio, there are state's mandated open enrollment periods where no application for Ohio health insurance can be turned down for any reason.

Here is a list (PDF format) of each Ohio health insurance company's open enrollment period.

During these 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 health insurance companies must also cover mental health conditions equal to physical health conditions.

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Ohio Public Health Insurance Programs

Here are the public Ohio health insurance programs, helping low-income residents obtain health coverage through state and federal financial assistance:

• 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, 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, they are 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.

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Ohio Health Insurance High Risk Pool

Residents in Ohio with pre-existing conditions will be able to get affordable health insurance from the high risk pool established by the Patient Protection and Affordable Care Act.

The Ohio High Risk Pool will run similar to regular Ohio health insurance plans. The plans will require enrollees to pay affordable premiums and out-of-pocket costs.

Enrollees in the Ohio program will 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..

People in Ohio with medical conditions will have 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 a pre-existing 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/ .

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The following list of companies offer Ohio health insurance plans:

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Ohio Department of Insurance and Department of Health

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

Go to Top of the Ohio Health Insurance Page