If you have lived your whole life in Ohio you may not know that Ohio is one of the most affordable states for health insurance. Not only does Ohio have great rates but it also has a great deal of health insurance providers. Sadly, United Health One is leaving the individual market in 2020. This means it will not sell Obamacare plans, but it will still offer short term coverage.
Ohio’s Best Health Insurance Companies
Anthem BlueCross BlueShield of Ohio has long been one of the most recognized providers. It is particularly popular in the Columbus, Ohio area as many businesses offer this coverage to their employees. On the individual level, it is a strong seller, but often Anthem BlueCross BlueShield of Ohio is reluctant to offer unlimited visits. Most plans have limited visits, like the Ohio Obamacare Plans which only have three visits per a year.
For the family who has moved to Ohio you may be used to spending 20-40% more for your health insurance. If money is not object then Blue Cross is always a good option in most states.
If you have a long history of being self employed and having to buy your own health insurance, then you certainly have shopped around at least a few times in your life. By now you have probably came to the final decision that United Health One is the best option for coverage.
United Health One is owned by United Healthcare who is the largest provider of medical coverage in the world. Personally, I think the best reason to buy United Health One is that they are in most states, so if you are traveling or you relocate you can keep your same plan. This is not the case with any Blue Cross Blue Shield. A second reason to buy UHC is that they have the least increases in premium. Companies like Cigna and BCBS often do a 15% rate increase after the first year. United usually only has a few % pts.
Lastly, Aetna is another option for Ohio residents. If you have tailgated at one too many OSU football games and your height to weight is not the most favorable then Aetna may be an option for you. However, Aetna is keen to decline coverage if you have not had a physical within two years, so this can pose a problem to many overweight applicants.