2021 Ohio Health Insurance - Affordable Health Plans

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    In Ohio, there are hundreds of different health insurance policies that you can choose from to protect yourself from expensive medical expenses. It is inevitable that you or a loved one will eventually have a need for emergency or routine healthcare and it will save you a ton of money in the long run to stay protected now. Not having health insurance is a tremendous risk, especially with 2020 being a very dangerous time due to the Covid-19 pandemic.

    Whatever your needs, there is a Ohio health insurance policy perfect for you. To help, we have gathered all kinds of information about Ohio health insurance so you can make an informed decision after checking out your 2021 health insurance quotes.

    Why You Should Have Medical Insurance in Ohio

    When people talk about health insurance these days, they are usually referring to any kind of qualifying Affordable Care Act (ACA) polices. Such health insurance options may also be called “comprehensive coverage” or “minimum essential coverage,” depending on the provider. Many families rely on their health insurance throughout the year for medications, physicals, and more.

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    Any health insurance policy that is considered comprehensive also comes with 10 essential health benefits that cannot be denied. Those are:

    Although all major medical plans must include these essential health benefits, they are not free to you. The cost of the services guaranteed by your insurance policy is factored into the premiums you pay. Such benefits are also subject to things like deductibles, copay, and coinsurance.
    It’s always best to compare Ohio health plans from different insurance agencies and providers before you make a final decision. There are hundreds of Ohio individual health plans and family plans out there, so make sure you are choosing the best for you and your loved ones.

    What You Need To Know About Ohio Health Insurance

    Ohio is one of the states that does not currently require you to have health insurance. There are no penalties either, as of 2019. So, if you currently do not have medical insurance because you lost your job or have had a major life change, you have time to compare costs, do some research, and make an informed choice.

    As with most states, health insurance in Ohio is divided up into several tiers that correspond with how much you pay out-of-pocket or when you go out-of-network. The basic tier is called “catastrophic.” After that, you have metal tiers: bronze, expanded bronze, silver, and gold.

    The overall cost of medical coverage in Ohio is based on which level you have chosen, as well as your age and lifestyle. For example, someone who is 60 years old and smokes is going to have a higher premium regardless of their metal level than someone who is 20 years younger and doesn’t smoke tobacco.
    Currently, the average cost of a major medical insurance catastrophic policy in Ohio is around $229 a month for a 21 year old, $293 for a 40 year old, and $622 a month for a 60 year old. Expanded bronze runs around $294 per month at 21 years old, $376 at age 40, and $799 at age 60. Gold is the most expensive, with it being $453 per month at age 21, $579 at age 40, and $1,229 at age 60. While these are averages, it can help you decide what policies to compare and help you budget accordingly.
    Additionally, in 2019, it was reported that the weighted average premium for an individual health insurance plan was around $6,161.56. For 2020, the same plan cost around $5,690.26—a 7.7 percent decrease. The trend looks to continue for 2021, making health insurance more affordable and attainable for Ohio residents like you! Compare Ohio health plans now to see which tier is right for you.

    Types of Health Plans in Ohio

    There are many categories of Ohio medical insurance that you can select, based on your needs. Most insurance companies offer one or more of the four common plan types, including:

    You must choose an in-network primary care physician who can give you referrals to see specialists. The lowest cost for all the essential health benefits and additional services. Out-of-network care, however, is not covered.

    Choose a primary care doctor and receive referrals. POS plans have more freedom, however, as you can see out-of-network providers for a little more money.
    Lower premium than PPOs. No coverage for out-of-network care. You don’t need a primary care physician nor referrals.
    You do not need to choose a primary care doctor and do not need referrals, but you do pay more to see out-of-network providers.
    HDHPs can also be HMO, POS, PPO, or EPO. The difference is that you have a higher out-of-pocket cost and lower premiums. Once you reach the maximum out-of-pocket expense, the plan then covers 100 percent of all costs thereafter.
    It is not uncommon to see policies that are marked as HMO/PPO these days, as they are the

    Unemployed, Part-Time, and Self-Employed

    Health insurance for unemployed citizens generally falls to COBRA, which is a continuation of employer-sponsored coverage, if you had that originally. The drawback to COBRA policies is the expense. If you cannot cover the cost of such a policy, then you may be eligible for a subsidy or Medicaid for assistance. If not, you can apply for exemption. Other options include short term health insurance or low-cost family health insurance, if your old policy used to cover everyone.
    For those who are searching for part-time medical coverage or health insurance for self employed small business owners or independent contractors are advised to check out Ohio individual health plans. These are generally what covers freelancers and part-timers.

    Differences Between 2020 Open Enrollment and 2021

    In 2019, many changes were made to the Ohio major medical insurance market that carried over to 2020. If you enrolled in health insurance through the in 2019 and 2020, you will once again be able to enroll at the same time for 2021 Ohio open enrollment. The enrollment period begins November 1, 2020 and ends December 15, 2020. During this time, you can select a plan that will become effective on January 1, 2021.
    In the event that you missed the deadline for 2020 health insurance, you should check if you are eligible for a special enrollment period (SEP), which allows you to sign up for health insurance through the marketplace after open enrollment has closed. SEPs last up to 60 days from the qualifying event.

    Some examples of qualifying life events include:

    If you do not qualify for the special enrollment period, you can apply for short term health insurance. Policies range between 30 day coverage to 364 days in some states. Keep in mind that short term health insurance is not a guaranteed issue like major medical plans. You can be denied for pre-existing conditions, and you do not receive the 10 essential health benefits.

    Keep Yourself and Your Family Protected

    You never know when you are going to need emergency medical care, especially in today’s world. Instead of risking financial stability or even your life, give yourself some peace of mind and start searching for health insurance today. Even if you missed open enrollment for 2020, the next enrollment period will be here before you know it. So start comparing quotes and reaching out to agencies to find the best deal.

    Starting the process is as easy as entering your zip code. Begin today and be covered sooner than you think!

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