Compare Ohio Health Insurance Quotes & Plans

We are an independent insurance agency located centrally in Columbus, Ohio and our brokers serve the entire state. We assist with individual, family, small business and large group health insurance plans both on and off the federal exchange.

We work with all of the major carriers including Aetna, Anthem Blue Cross and Blue Shield, Golden Rule, HealthSpan, Humana, InHealth, Medical Mutual of Ohio, United Healthcare and others.

Click on the insurance company logos/links below to view quotes!

United Healthcare – Golden Rule

OH United Healthcare QuotesView UHC Quotes Here »

Anthem Blue Cross Blue Shield

OH Anthem Health InsuranceOH Anthem BCBS Quotes »

Medical Mutual Of Ohio

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Aetna Health Insurance Quotes

OH Aetna Health InsuranceView Aetna Quotes Here »

Humana Health Insurance Plans

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Ohio Health Insurance Exchange Plans From Brokers

At no additional cost, we provide the links above for quoting and direct enrollment. Group and small business requests can be obtained by contacting us and speaking with our brokers who specialize in group insurance.

We are licensed and certified to offer health insurance coverage in Ohio both on and off the federal exchange. We help our clients who qualify for tax credits as well as those who wish to avoid penalties and remain compliant with the law.

The Affordable Care Act requires all companies with 100 or more full-time employees to offer comprehensive health insurance in 2015. We also help large groups remain compliant with the law by providing group health insurance to their employees.

Short Term Health Insurance Coverage In Ohio

There are several reasons you might need short term health insurance coverage in Ohio. Most often, it’s simply to fill in a small gap before permanent coverage begins a few months later.

Depending on your needs, short term plans can be purchased for a maximum of six months. You could renew for another six month window if needed should you be able to pass medical underwriting. (It’s important to note that short term plans are not ACA compliant and will not avoid penalties.)

And losing short term health insurance is not considered a qualifying life event. (It is important to note that you will need a qualifying life event in order to purchase individual health insurance coverage outside of open enrollment.)

Health Insurance Plans Covering Maternity In Ohio

Health Insurance CoverageBy rule, all health plans must cover maternity related expenses subject to the deductible and coinsurance levels you have chosen. There are no waiting periods that need to be satisfied in order to access benefits.

Becoming pregnant is not a qualifying life event. You will need to purchase coverage during the open enrollment window each year unless you are losing coverage elsewhere. However, giving birth can constitute a qualifying event as well so as to insure the child.

Should you experience a qualifying life event (i.e. involuntarily losing other health insurance coverage) while pregnant, you can purchase a new health plan either on or off the exchange. There would be no preexisting condition clauses to worry about in this circumstance.

Health Savings Accounts – HSA Qualified Insurance Plans

Health Savings Accounts are tax-favored savings accounts that can be coupled with high deductible health insurance policies. These plans are referred to as HSAs and they are only offered with certain qualified plans. Having a high deductible does not necessarily mean your plan is HSA qualified.

HSA qualified plans are gaining in popularity in Ohio due to their tax advantages and low premiums. In fact, HSA plans offer some of the lowest premiums in the state for those who simply want to be compliant with the law. Additionally, all HSA qualified plans include preventive care that is not subject to the deductible.

The money deposited into your HSA grows tax deferred and can be withdrawn tax-free for qualified medical expenses such as meeting the deductible, paying for prescriptions, covering a doctors office visit or a number of other qualified expenses. The unused funds grow tax-deferred and can be spent on future medical claims.

The insured always has access to all accumulated funds even if the insurance is later cancelled. In no way will the insurance company ever keep your HSA contributions. They belong to you and are invested in a private account of your choosing.

All of our carriers offer HSA qualified health insurance plans here including: Anthem Blue Cross and Blue Shield, Aetna, Humana, Medical Mutual and Golden Rule – United Healthcare.

Request Health Insurance Quotes And A Broker Consultation

We are an independent health insurance agency in Columbus, Ohio serving the entire state. Our brokers can help with life, health, dental, vision and several other lines of insurance. We offer coverage both on and off the exchange direct to our clients.

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