Ohio Health Insurance – Affordable Plans

Leading health insurance companies like Anthem Blue Cross Blue Shield, Aetna, Medical Mutual, and Humana offer affordable plans for individuals and families. These include short term, catastrophic, comprehensive and HSA plans. New reform has made family health insurance quite affordable and improved coverage for Ohioans.

Ohio Health Insurance – Important Considerations

Ohio Health Insurance

Health insurance law in Ohio regulates the price and availability of health insurance and ensures several benefits for individuals, families and businesses.

Some important considerations regarding health insurance in Ohio are:

• Ohio health insurance companies to renew your health insurance policy and cannot withdraw coverage if you develop health problems
• Ohio health insurance companies have to hold a 30-day open enrollment period every year so that any individual can buy a policy, irrespective of health status
• New reform allows health insurance companies to offer families preventive benefits with no waiting period or deductible. This includes free coverage for mammograms, colonoscopies, cancer screenings and childhood immunizations
• In Ohio, children can stay on their parent’s health plan till age 26
• New law eliminates lifetime dollar caps on medical care
• Ohio health insurers cannot deny children below the age of 19 health coverage for pre-existing conditions
• Ohio family health insurance policies usually include copays for office visits and prescriptions. If you see a specialist or use non-generic drugs, your expenses would go up
• Small businesses with at least two to fifty employees can purchase group health insurance coverage. The extent of coverage offered may depend on the overall risk factors for the group, but an insurer cannot cancel the coverage because of one employee’s ill health
• Ohio Health Savings Accounts (HSAs) are a very affordable health insurance option. To enroll in a High Deductible Health Plan (HDHP), you must have a HSA. The minimum deductible amount for HSA-Compatible HDHPs is $1,200 for single coverage and $2,400 for family coverage. The maximum annual out-of-pocket expense for HDHPs is $5,950 for single HSA plans and $11,900 for family plans.

Rely on Professional Advice to Choose a Plan

With many changes taking place in the health insurance scene, your best option   is to rely on professional help to choose a plan. Browsing the web would provide you with information on experienced insurance agents in Ohio and the services they offer. You can obtain free instant quotes from these websites, as well as expert assistance to obtain an affordable Ohio health insurance.