Looking for affordable health insurance options in Ohio. Anthem seems popular, but I’m wondering if there are other options worth considering. Any recommendations?
Anthem is solid, but if you’re looking for the absolute cheapest, Molina has Silver plans starting at $402 per month. That’s about $48 less than Anthem’s cheapest option
Rory said:
Anthem is solid, but if you’re looking for the absolute cheapest, Molina has Silver plans starting at $402 per month. That’s about $48 less than Anthem’s cheapest option
True, Molina’s a good option for keeping costs low, but remember that plan availability can vary by county. Ambetter and Oscar also have competitive rates in some areas
@Wesley
Yep, if you’re in Columbus, Oscar has the cheapest Silver plan. It’s always worth checking rates by location since prices fluctuate based on where you live
Anthem is popular for a reason – they’re accepted by a lot of doctors in Ohio. Plus, their plans often come with extras, which is nice if you want more than just basic coverage
Jules said:
Anthem is popular for a reason – they’re accepted by a lot of doctors in Ohio. Plus, their plans often come with extras, which is nice if you want more than just basic coverage
Exactly. Anthem’s network is extensive, which makes it easier to find providers. Their coverage is also reliable if you’re looking for a balance of cost and quality
@Nico
And if you qualify for subsidies, you might not pay the full $450 per month anyway. I’ve seen a lot of people bring their costs down significantly with discounts
For those who want PPO flexibility, AultCare is the only option offering PPOs in Ohio. Good if you travel a lot or have specific health conditions
Nova said:
For those who want PPO flexibility, AultCare is the only option offering PPOs in Ohio. Good if you travel a lot or have specific health conditions
Yeah, PPOs let you see out-of-network providers, which is rare with ACA plans. AultCare is great for flexibility, though it might be pricier than HMO plans
@Phoenix
If you don’t need the flexibility, HMO plans from Molina or Anthem could save you some money. But for frequent travelers, AultCare might be worth the extra cost
Subsidies are a game-changer for a lot of people. Ohio’s average cost with subsidies is $81 per month, and 43% of people pay less than $10 per month after discounts
Bowie said:
Subsidies are a game-changer for a lot of people. Ohio’s average cost with subsidies is $81 per month, and 43% of people pay less than $10 per month after discounts
Right. You’re eligible for subsidies if you earn less than $60,240 as a single person or $124,800 for a family of four. Worth checking if you qualify
@Jess
And remember, you can apply subsidies to Bronze, Silver, or Gold plans. So even higher coverage options can become affordable with the right discount
Silver plans are usually the best choice for most people. They balance cost and coverage, especially if you qualify for cost-sharing reductions (CSRs)
Sawyer said:
Silver plans are usually the best choice for most people. They balance cost and coverage, especially if you qualify for cost-sharing reductions (CSRs)
Exactly. If your income is under $37,650 as a single person or $78,000 for a family of four, CSRs can significantly reduce your out-of-pocket expenses with a Silver plan
@Ira
CSRs are huge. They make Silver plans work like Gold plans in terms of cost-sharing. Definitely worth considering if you have ongoing medical needs
Gold plans are a better option if you expect to need a lot of care, even though they cost more. They average $673 per month in Ohio but have lower out-of-pocket costs
Valen said:
Gold plans are a better option if you expect to need a lot of care, even though they cost more. They average $673 per month in Ohio but have lower out-of-pocket costs
Yeah, with Gold plans you pay less when you go to the doctor or fill a prescription. Good option for those with chronic health conditions
@Weston
And keep in mind that the cost of Gold plans in Ohio went up 12% this year. It’s an extra $70 per month, so compare carefully if you’re on a tight budget
Medicaid is available if you have a very low income. It’s free in Ohio, covering almost all medical care costs if you qualify