Central Ohio Individual Medical Insurance Plans

Central Ohio individual medical insurance plans are offered by reputable insurance carriers such as Anthem Blue Cross, Aetna, UnitedHealthCare, Humana, Medical Mutual, Celtic and Assurant. Health insurance rates in Central Ohio are some of the lowest in the state and considerably lower than rates in neighboring states such as Indiana, Kentucky and Pennsylvania.



Medical insurance options include plans for individuals, families, persons that are self employed as well as persons that are without coverage. There are actually many low cost Ohio individual health insurance policies that feature comprehensive coverages at affordable rates.



Typically, "short term" coverage is the least expensive type of health care in Ohio. Premiums are usually 40%-60% less than standard comprehensive plan rates and policies are approved within two days. Central Ohio short term medical plans

are suitable for graduating students, persons between jobs, seasonal employees, persons on Cobra or anyone waiting for Medicare benefits to commence. Although pre-existing conditions are not covered, major medical benefits are provided.



For example, a healthy 45 year-old male would pay only $32 per month for a temporary plan ($5,000 deductible with Celtic). A $2,500 deductible short-term plan would cost approximately $49 per month. Humana also offers attractive short-term rates. Many companies charge a higher rate for paying premiums on a monthly basis and small application fees charged by the carrier may apply. Central Ohio individual medical Insurance rates

are very attractive.



Health Savings Accounts (HSAs) in Central Ohio have become a very popular individual health insurance plan. With rising premiums due to national health care reform changes, HSAs are always strongly considered when Ohio consumers are choosing their health care coverage.



HSAs are an affordable alternative to conventional health insurance plans. It is a savings policy that allows you to pay for current health, dental and vision expenses and save for future qualified expenses on a tax-free basis.



To take advantage of an Ohio HSA, you must have a "High Deductible Health Plan (HDHP) in force. Essentially, an HDHP is a catastrophic plan

that features higher deductibles (usually $1,500 to $10,000) and low premiums. Every major health care provider in Central Ohio offers this type of plan and the low rates allow you to deposit more of your dollars into the HSA. Over time, in addition to tax benefits and negotiated network discounts, you can potentially accumulate a large amount of funds in your HSA.



Central Ohio counties that receive affordable health insurance rates include Franklin, Madison, Union, Marion, Delaware, Licking, Pickaway, Fairfield, Knox and Morrow. Surrounding counties still feature extremely competitive rates that are lower than most other parts of the state.