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Residents of Ohio have many affordable health insurance options. Choosing the right plan is however best done with professional help. If you are self-employed, between jobs, or if your employer does not offer you health coverage in a group plan, you should look for affordable health insurance plan.
Ohio Health Insurance – Optimum Coverage at the Right Price
Affordable plans available to Ohio residents include HSAs, Ohio Risk Pool plans and short-term plans. - Health Savings Account (HSA) plans have low premiums, and meet your current health expenses as well as help you save for future health costs on a tax-free basis. A High Deductible Health Plan (HDHP) along with a HSA covers hospital visits, surgical expenses and emergency room charges. With their low monthly premiums and high deductibles, they are ideal for young adults and individuals between 50-65 years of age. Contributions for 2011 Ohio HSA plans can be made until April 15, 2012. For individuals, the maximum 2011 Ohio HSA contribution is $3,050, while the corresponding amount for families is $6,150.
- Ohio Risk Pool plans are meant for Ohio residents with major pre-existing health conditions and who have been previously denied coverage. Many High Risk Pool plans offer full preventive coverage for routine medical exams, well child care exams, routine mammograms, pap tests, standard immunizations, and so on. To be eligible for the High Risk Pool you would have to:
- be an Ohio resident when you apply for coverage
- be a US citizen and live in the US
- not have had coverage for at least six months
- have a qualifying pre-existing medical condition
- not be covered by Medicare, the Ohio Medical Assistance program, Ohio CHIP program or individual/group coverage - An Ohio short-term health plan is an affordable option if you are between jobs. Students who are just out of college or new employees waiting for employer coverage to start can also opt for short-term health insurance for a limited period of one to twelve months.
Understanding Ohio Health Insurance
To choose the right health insurance plan, you would first have to understand the different kinds of affordable options available. The best way to do so is to locate a knowledgeable health insurance agent who can explain the individual benefits of affordable Ohio health plans. Established service providers offer professional guidance to apply for free quotes, compare plans and choose the one that is best for you.
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