At AHiX, we make it easy to find affordable and flexible coverage in Ohio. Before you begin your search, it’s important to review the state’s insurance requirements and guidelines to understand your options. Whether you’re looking for individual, family, or temporary coverage, our team is here to help you find a plan that fits your needs and budget.

Low-cost Health Insurance in Ohio

Ohio doesn’t enforce an individual mandate, but having health insurance is essential to stay prepared for unexpected medical costs.

Residents can choose from qualified health insurance plans with comprehensive benefits or temporary health coverage for short-term needs. Protect your health and finances with the right plan for you and your family.

Qualified health insurance plans follow ACA guidelines and include coverage for the Ten Essential Health Benefits. These benefits guarantee coverage for important medical services like emergency room visits, outpatient care, and pediatric care. By choosing a qualified health plan, you ensure access to comprehensive and reliable health coverage that meets federal standards and supports your healthcare needs.

Non-qualified plans do not follow ACA guidelines, but they are often more affordable with fewer benefits. These plans are ideal for healthy individuals and families, these plans help save money with low-cost health insurance while covering unexpected medical expenses. Though they lack the full benefits of ACA-compliant plans, they offer practical protection for those who don’t need comprehensive coverage.

Benefits of Choosing Ohio Insurance Plan with AHiX

Make the Right Choice

Browse our options to compare plans and choose the health insurance that suits your needs.

No Extra Costs

You’ll pay the same as buying directly from trusted insurers, no hidden fees.

24/7 Expert Support

Get help anytime via chat, email, or phone from our dedicated support team.

Understanding the Best Health Insurance in Ohio

While Ohio doesn’t mandate its residents to have health insurance, it’s always a smart idea to get coverage. Health insurance helps you pay for regular doctor visits, as well as unexpected emergencies, reducing the risk of falling into significant medical debt.

When choosing a health insurance plan in Ohio, you can select from different levels of coverage, which will affect your monthly premium. Most insurance companies offer plans in four categories, or "tiers," that allow you to choose the level of coverage that best fits your needs and budget. Which are:

Bronze
Bronze

40% out of pocket and 60% insurer pays

Silver
Silver

30% out of pocket and 70% insurer pays

Gold
Gold

20% out of pocket and 80% insurer pays

Platinum
Platinum

10% out of pocket and 90% insurer pays

Before choosing an Ohio health coverage plan, assess your needs and budget. Whether you’re looking for affordable Ohio health insurance, AHiX will help you find a plan that fits both your health and financial needs.

Health Insurance Plans for Everyone

Ohio Individual Health Insurance Plan

An individual health insurance plan in Ohio is for people who need health coverage just for themselves. You can buy a plan through a private Ohio health insurance marketplace like AHiX, directly from the insurance company, or through a public exchange. If you’re married, you can also add your spouse to your plan while keeping individual coverage.

For qualified plans, here are the average monthly premiums in Ohio (for a 40-year-old, Zip code 43002):

  • Single Adult

    Single Adult

    $426
  • Married Couple

    Married Couple

    $852

While Ohio health coverage premiums are starting to decrease, they can still be expensive for many. In such cases, you may want to consider non-qualified plans or short-term health insurance, which offer more affordable options with varying levels of coverage.

Ohio Family Health Insurance Plans

A family health insurance plan in Ohio is to cover you, your spouse, and your dependents. Since programs like Medicaid and Medicare generally do not apply to families, your options for coverage will typically be through the Ohio health insurance marketplace or your employer.

For qualified health insurance plans, here are the average monthly premiums for a family in Ohio (Age 40, Zip code 43002):

  • Health Maintenance Organization

    A married couple with one child

    $1,129
  • Health Maintenance Organization

    A married couple with two children

    $1,407
  • Health Maintenance Organization

    A married couple with three children

    $1,684

While AHiX offers relatively affordable family health insurance compared to other states, many families find that the cost of qualified plans can still be high. If this sounds familiar, non-qualified plans may be a viable option. These plans typically have lower premiums and provide coverage for specific services your family may need, giving you flexibility to manage costs while still protecting your health.

Idaho Short Term Health Insurance

Ohio Short-Term Health Insurance Plans

Short-term health insurance in Ohio is a quick and affordable option to cover unexpected accidents, illnesses, or emergencies while you’re transitioning to a more permanent health plan. It’s a simple way to get coverage for a limited period.

YHowever, short-term insurance laws differ by state. In Ohio, starting September 1, 2024, short-term health plans will only last for up to three months. Even with renewals, the total coverage duration cannot exceed four months. Short-term plans can provide immediate protection until you find the right long-term policy. Just be aware of these new limits when considering this short-term option.

Types of Individual Health Insurance Plans in Ohio

Plan Type Monthly Premium Deductible Ideal For Coverage Description
Bronze $ (Lowest) $$$$ (Highest) Individuals who need minimal coverage or primarily emergency services Bronze plans offer basic coverage with the lowest monthly premiums but come with higher out-of-pocket costs. Suitable for younger, healthier individuals who expect low healthcare usage.
Silver $$ $$$ Individuals who need a balance between premium cost and healthcare usage Silver plans provide a balance between premium costs and out-of-pocket expenses. These plans are ideal for those who use healthcare services occasionally and want moderate coverage.
Gold $$$ $$ Individuals who expect regular healthcare needs Gold plans have higher monthly premiums but lower out-of-pocket costs, making them suitable for people with frequent healthcare needs.
Platinum $$$$ (Highest) $ (Lowest) Individuals with extensive healthcare needs Platinum plans offer the most comprehensive coverage with the highest premiums but the lowest Cost-sharing, perfect for individuals or families requiring extensive healthcare services.
Compare Plans

Ohio Medical Insurance Statistics

Consider the following statistics about health care coverage in Ohio.

11.79 million

Total Ohio Population

6.1%

Uninsured Ohio Residents

477,793

Ohio HMO Enrollment

$1,791

Annual Employee Premium in Ohio

$3,392

Hospital Costs in Ohio before Insurance

Discover Health Insurance Plans for Every Stage of Life in Ohio

AHiX Marketplace

Health Insurance

Health insurance helps protect you from big medical bills and ensures you get the care you need. Each plan explains what services are covered and how costs are shared between you and the insurance company, making healthcare more affordable.

Explore Health Plans
AHiX Marketplace

Dental and Vision Insurance

Affordable dental and vision insurance covers routine cleanings, eye exams, fillings, and prescription lenses. It ensures regular care, lowers out-of-pocket expenses, and makes essential health services affordable and accessible for everyone.

Browse Dental Plans
AHiX Marketplace

Short-Term Health Insurance

Short-term health insurance offers temporary coverage for people between plans, like seasonal workers or new employees waiting for group benefits. These affordable plans are simple to enroll in and provide basic care until long-term options are ready.

Find Short-Term Health Plans

Frequently asked questions

  • What types of health insurance plans are available in Ohio?

    Ohio offers a variety of health insurance plans, including qualified plans (such as those through the ACA marketplace), non-qualified plans, and short-term health insurance plans. You can choose from plans based on your budget, coverage needs, and family size.

  • How can I find affordable health insurance in Ohio?

  • What is the Ohio Health Insurance Marketplace?

  • Can I apply for an Ohio health insurance plan if I don’t have employer coverage?

  • What is the difference between qualified and non-qualified health insurance plans in Ohio?

  • What is the cost of health insurance in Ohio for a family?

  • How long does short-term health insurance last in Ohio?

  • Can I get dental coverage with my Ohio health insurance plan?

  • How do I apply for health insurance in Ohio?

  • What happens if I miss the health insurance enrollment period in Ohio?

Find the Right Ohio Health Insurance Plans Today

At AHiX Marketplace, we provide a variety of Ohio health insurance plans for individuals, families, and small businesses. Compare qualified and non-qualified plans from top providers to find affordable coverage that fits your needs. Start your search today and discover the perfect plan for you!