Ohio has one of the lowest uninsured rates, which goes against national trends. Yet there are still a number of uninsured individuals, many who may be able to afford insurance but aren't sure of the types of insurance products available for their specific wants and needs. This guide is meant to help you find the Ohio health insurance plan that best fits your lifestyle.
Ohio is a transportation and manufacturing hub for the entire U.S. Its economy, as does its politics, reflects the trends strong in the country as a whole. While the state has pockets of unemployment, the atmosphere for business is strong, and people and families find a good life here.
Ohio has an uninsured population of about 10 percent of the total population of over 11.5 million. The Ohio state government takes pride in the high number of insured citizens in the state, and hopes to create ways to help insure as many Ohioans as possible in the near future. Luckily, inexpensive health insurance plans in Ohio are easy to find, either for an individual or a family.
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Questions to Consider
- Do you feel you need to choose your own doctor?
- How much is in your budget for a monthly premium?
- What coverage do you have to have?
- How frequently do you or your family need medical care?
Types of Health Insurance Products
- Ohio Health Maintenance Organization (HMO) Plans: HMOs are usually the least expensive health insurance plans, but the affordability is balanced by many restrictions. Preventive care is stressed, while calamitous care may not be covered.
- Ohio Preferred Provider Organizations (PPO) Plans: Choose your own doctor, including your specialist, with a PPO. There is flexibility in co pays and deductibles charged, but out-of-pocket charges are greater than for an HMO.
- Ohio Point of Service (POS) Plans: This sort of plan is a combination of HMO and PPO plans. Choose your doctor, but you will pay more for non-network services.
- Ohio Self-Directed Health Plans (SDHP): This kind of plan is a fine way to cover preventive care for those who don’t need to go to the doctor often, and may be combined with a high-deductible PPO.
- Ohio Health Savings Accounts (HSA): Paired with a high deductible plan, this program allows the insured to save tax-free money to cover initial expenses and to build an account that can cover out-of-pocket expenses in the future.
- Ohio Fee for Service Plans: These traditional insurance plans are still popular for those who want coverage from any provider, anywhere.
- Ohio Prescription Plans: This ever-increasing medical expense has become the focus of affordable prescription benefits, either in a total package or as a stand-alone.
- Ohio Small Group Solutions: Small business employers are aware that an affordable, comprehensive health insurance plan is an important part of a benefits package that will retain quality employees .
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