Ohio Personal Health Insurance Plans

Although there are several different options within each category, the two broad categories of health insurance are group and personal. Rates for a group health insurance policy are determined by averaging risks across a specific group of people. Group health insurance policies are most commonly used for employees of a company. Personal health insurance is different because the rate for a policy is based on one person's detailed medical history. If you are self-employed or work for an Ohio company that doesn't offer a group health insurance plan, an Ohio personal health insurance plan is the best way to ensure that you have access to the medical care you need and financial protection in the event of a medical emergency.

If you are self-employed in the state of Ohio, it's still possible to find personal health insurance that will provide you with the protection you need at a price you can afford. There are three main types of insurance that you can consider. The first choice is catastrophic personal health insurance. This type of insurance provides you with protection in the event of a medical emergency or serious illness. Because it only covers these specific situations, it is a low cost option. On the downside, catastrophic health insurance won't help you with any standard or preventative healthcare costs. The second choice is a comprehensive plan. While a comprehensive plan will be more expensive than a catastrophic plan, this type of plan will not only protect you in the event of an emergency, but it will also help offset the cost of standard and preventative healthcare. The last option to consider is a Health Savings Account. An HSA is a savings account that allows you to save money to pay for your healthcare costs. The advantage of an HSA is that it's a tax-free option. If you choose to use an HSA, you will need to supplement it with a catastrophic plan.

If you aren't self-employed but instead work for a company in Ohio that doesn't currently offer health insurance, there are still plenty of options available to you. While there are many insurance companies in Ohio that offer a wide range of personal health insurance plans, there are several plans that stand out above the rest in terms of providing great coverage at an affordable price. The first plan that falls into this category is the UnitedHealth One Copay Select plan. This plan includes coverage for preventative costs, a thirty-five dollar copay on doctor's visits, and discounts on dental and vision costs. The next plan in this category is the Anthem SmartSense Plus Standard RX plan. Each year, this plan will cover three doctor's visits with just a thirty-five dollar copay for each visit. There is also no annual lifetime limit to this plan. If you are a woman in Ohio who is looking for an affordable personal health insurance plan, you may be interested in the UnitedHealthOne Copay Saver plan. In addition to providing the coverage you expect from an affordable healthcare plan, this plan also provides coverage for mammograms and Pap smears after a deductible is paid.

One other type of Ohio personal health insurance plan that may be right for you is a short term policy. Whether you're between jobs or are no longer covered by your parent's insurance, this type of plan can provide you with temporary coverage to ensure you are properly covered. While this type of policy will only last for one to twelve months, what makes it a potentially attractive option is that it's very affordable and flexible.

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