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Ohio Health Insurance Coverage

Hyers & Associates is an independent insurance agency located centrally in Columbus, Ohio. We serve the entire state. Our brokers will assist you with individual, family, small business and large group health insurance plans both on and off the federal exchange.

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

Medical Mutual of Ohio

  • Largest Ohio Network
  • Health Savings Accounts
  • Farmers Bureau Coverage
  • Stand Alone Dental & Vision
  • Competitive Premiums

Anthem BCBS Plans

  • Short Term Insurance
  • Popular Maternity Plans
  • Great Preventive Care
  • HSA and Dental Insurance
  • Copay and Coinsurance Options

Aetna Health Insurance

  • Preventive Care Options
  • Health Savings Accounts
  • Nationwide Networks
  • Add-On Dental Coverage
  • Gold, Silver & Bronze

Humana Health Insurance

  • Large Nationwide Network
  • Health Savings Accounts
  • Individual & Family Plans
  • Stand Alone Dental & Vision
  • Large Cincinnati Network

United Healthcare Plans

  • Affordable Monthly Rates
  • Short Term Insurance
  • Health Savings Accounts
  • Dental and Vision Coverage
  • ACA Compliant Coverage

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 quote requests can be obtained by contacting us and speaking with our brokers who specialize in group insurance plans.

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 (based on income) navigate the federal exchange to find suitable plans fitting their needs and budget. We also help those who wish to enroll off the exchange in order to avoid penalties and stay compliant.

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. Other times, it’s used as a less expensive alternative to ACA plans. Either way, we can help.

Depending on your needs, short term plans can be purchased for a maximum of 12 months. You can renew for another 12 month window 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 the Obamacare penalty. You are allowed to have short term coverage for a maximum of 3 months so long as you have compliant coverage the other 9 months of the year. Otherwise, you may face a penalty.

The penalty is slated to go away in 2019, but may still be assessed in 2018. Several new hardship provisions have been added, however. This may make it easier for some to wriggle out of the penalty while keeping a more flexible short term insurance plan in-force.

It’s important to know that losing short term health insurance is not considered a qualifying life event here in Ohio. If you are outside of the Open Enrollment window, you will need proof of a QLE in order to purchase permanent coverage. Moving from one state to another is considered a QLE, but your coverage may not start right away. A short term plan can fill in any gaps you may encounter.

Small And Large Group Health Insurance Coverage

Ohio Health InsuranceWe help both small and large groups compare and purchase group health insurance for their employees. We also help with ancillary coverage like dental, vision, life and disability.

We can help groups of all sizes find the most affordable options by working with several carriers simultaneously in order to negotiate the best rates. We also will bring to your attention any group discounts that might be available.

The Affordable Care Act requires all companies with 50 or more full-time employees to offer comprehensive health insurance. There is a lot to navigate with this ever-changing law. Whether it’s penalties, tax-credits, the Cadillac tax or or employer mandates, our experts will help your group find affordable coverage while remaining in compliance with the ACA.

There are several ways to lower and reduce any penalties your group might face for not providing health insurance. We help our clients find plans that can avoid all ACA penalties – or just the largest ones. Group health insurance can be expensive, but there are several ways to reduce this burden. We can help you explore self-funded plans, secondary payer coverage, HSA and HRA plans, Multiple Employer Welfare Arrangement (MEWA) policies and several other strategies to keep your insurance affordable.

Health Savings Accounts – HSA Qualified 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 in the individual and group markets. 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 avoid penalties. Additionally, all HSA plans include preventive care that is not subject to the deductible.

The money deposited into a HSA grows tax deferred and can be withdrawn tax-free for qualified medical expenses such as meeting the deductible, paying for prescriptions, covering a doctor’s 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 insurance companies offer HSA plans in Ohio.

Request Health Insurance Quotes And A 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.

We will help you stay compliant with the ACA while enrolling in the health insurance that best suits your needs. You may have several options both in and outside of the exchange depending on your overall health. Some plans that are still medically underwritten can be found for under $100 a month. Contact us today and discuss your needs. We are here to help!