Ohio Health Insurance: Exceptional  Coverage for a Healthier Future

Explore affordable Ohio health insurance plan options. Discover how you can protect your well-being and financial stability with Ohio’s affordable health insurance plans.

Ohio Health Insurance

Ohio Small Business Health Insurance

Are you a small business owner in the Buckeye State looking for the perfect health insurance coverage for your employees? Look no further! At Smart Insurance Agents, we specialize in helping Ohio’s small businesses find the ideal health insurance plans to ensure the well-being of your valued team.

Elite Circle of Champions

Benefits of Ohio Small Business Health Insurance

  • Attract Top Talent: Offering health insurance makes your business more attractive to prospective employees, helping you compete for the best talent in your industry.

  • Employee Retention: Keeping your team healthy and secure ensures they’re more likely to stay with your company for the long term, reducing turnover and training costs.

  • Tax Benefits: You may be eligible for tax incentives when you provide health insurance to your employees. Our experts can guide you through these potential savings.

  • Boosted Morale and Productivity: When employees have access to quality healthcare, they’re happier and more productive. Healthy employees are an asset to your bottom line.

Step 1
Step 1


We start with a thorough consultation to understand your business, your budget, and your employee needs.

Step 2
Step 2

Market Analysis

Our team scours the market, comparing plans and prices from multiple carriers to find the best options.

Step 3
Step 3

Customized Solutions

We present you with tailored insurance solutions that align with your objectives.

Step 4
Step 4

Expert Guidance

We provide detailed information on each plan, answering all your questions and ensuring you make an informed decision.

Final Step
Final Step

Enrollment Assistance

We handle the paperwork, making the enrollment process hassle-free for you and your employees.

ACA Health Insurance vs Ohio Small Business Health Plans

Coverage Options
Enrollment Periods
Employer Contribution
Plan Selection
Employee Participation
Marketplace (Exchange)
Subsidies and Tax Credits
Essential Health Benefits
Pre-Existing Conditions
Plan Customization
Cost Sharing
Provider Networks
Plan Portability
Plan Flexibility
ACA Health Insurance Plans
Individuals and Families
Individual, Family, and Group plans
Annual Open Enrollment Period and Special Enrollment Periods
No Employer contribution required for individual plans
Individual choose from available plans on exchange
Individuals can enroll independently
Plans available through federal or state-based exchanges
Income-based subsidies available for individuals and families
Plans must cover essential health benefits as defined by ACA
Guaranteed issue, no pre-existing condition exclusions
Limited flexibility for plan customization
Out-of-pocket costs vary by plan and income
Plans may have narrow or broad networks
Individuals can take plans with them if they change jobs
Limited flexibility for individuals
Small Business Ohio Health Insurance Plans
Small businesses with eligible employees
Group plans tailored to the business needs
Enrollment typically available year-round, often with waiting periods for new employees
Employer may contribute a percentage of premiums for employees
Employer selects plans for employees
Employees typically participate as a group
Directly through insurance carriers or brokers
No subsidies, but employer contributions may be tax-deductible
Flexibility in choosing coverage options
Guaranteed issue, no pre-existing condition exclusions
Greater flexibility to tailor plans to specific business needs
Shared costs between employer and employees, often with defined contributions
Nationwide networks including PPO and Open Access Plans
Employees may need to switch plans when changing employers
Greater flexibility in designing plans that suit the company's needs

Please note that the specifics of ACA health insurance plans and Small Business Ohio Health Insurance Plans can vary, and it's important for individuals and small businesses to carefully review their options and consult with insurance professionals to make informed decisions based on their unique circumstances and needs.

Affordable Ohio Health Insurance - Marketplace Plans

Finding affordable health insurance in Ohio doesn’t have to be a complex and daunting task. With the various options available, including the Ohio Health Insurance Marketplace and Medicaid expansion, securing comprehensive coverage that fits your budget is simpler than ever. By utilizing online tools, comparing plans, and exploring avenues for financial assistance, you can navigate the healthcare landscape with ease. Take control of your health and financial well-being by simplifying the process of finding affordable health insurance in Ohio.

smart insurance agents mission

 Best Health Insurance Ohio 2024


$0 PCP Visits

Anthem Blue Cross Blue Shield

Anthem health insurance Ohio offers unique coverage to Ohio residents, famous for $0 PCP, $0 virtual visits, and $0 select drugs copays. Anthem have a large network of providers in network in the state of Ohio

Best for HMO

Ambetter from Buckeye Health Plan

Ambetter from Buckeye Health Plan have multiple health insurance Ohio plans in different tiers Bronze, Sliver, and Gold. Ambetter health insurance plans in Ohio offer great comprehensive coverage and known for their great HMO network in the state.

Added Value

CareSource Marketplace Plans

CareSource Marketplace Ohio health insurance plans have reputable ratings in Ohio and are known for excellent coverage. CareSource Ohio Health insurance plans are accepted at Shriners Hospitals for Children, Cincinnati Children Hospital Medical Center, University of Cincinnati Medical Center, and many more.

Get A Free Quote
Step 1 of 6

Navigating Medicare Plans in Ohio

When exploring Medicare plans in Ohio, individuals have a variety of options to consider. They can choose between Original Medicare (Part A and Part B) or opt for a Medicare Advantage (Part C) plan offered by private insurance companies. Medicare Supplement plans (Medigap) are also available to help cover out-of-pocket expenses not covered by Original Medicare.

Schedule A Call 📞


Anthem Blue Cross Ohio Health Insurance

Anthem Blue Cross and Blue Shield is a trusted name in the healthcare industry, offering various Medicare plans to Ohio residents. Their Medicare Advantage plans provide comprehensive benefits, including prescription drug coverage, while their Medicare Supplement plans help fill in the gaps of Original Medicare. Anthem focuses on delivering high-quality care and enhancing the overall health and well-being of their members.

Medical Mutual

Medical Mutual of Ohio Health Insurance

Medical Mutual of Ohio is a local insurer that offers Medicare Advantage plans and Medicare Supplement plans tailored to the specific needs of Ohio residents. They prioritize personalized service, affordability, and a wide range of healthcare options. Medical Mutual of Ohio strives to provide comprehensive coverage and excellent customer support to Medicare beneficiaries across the state.


Humana Ohio Health Insurance

Humana is a leading Medicare company that offers a variety of Medicare Advantage plans, prescription drug plans, and Medicare Supplement plans in Ohio. They emphasize preventive care, wellness programs, and value-based healthcare, aiming to improve the health outcomes and satisfaction of their Medicare members. Humana also provides a user-friendly online platform to manage healthcare and find healthcare providers.


Aetna Ohio Health Insurance

Aetna Medicare is a leading health insurance company that offers a range of Medicare Advantage plans, Medicare Supplement plans, and prescription drug coverage options. They focus on providing comprehensive and affordable healthcare solutions to Medicare beneficiaries in Ohio, with a strong network of doctors and hospitals.

United Healthcare

United Healthcare Ohio Health Insurance

UnitedHealthcare is a well-known Medicare company offering a wide selection of Medicare Advantage plans, prescription drug plans, and Medicare Supplement insurance. They prioritize customer satisfaction and provide access to an extensive network of healthcare providers, ensuring comprehensive coverage and personalized care for Ohio Medicare beneficiaries.


Molina Healthcare Ohio Health Insurance

Molina Healthcare specializes in serving individuals and families with limited income and resources, including Medicare beneficiaries. They offer Medicare Advantage plans designed to provide affordable and comprehensive coverage, focusing on promoting healthy lifestyles and improving access to healthcare services. Molina Healthcare prioritizes member-centric care and ensuring the well-being of Medicare beneficiaries in Ohio.

Why Choose Smart Insurance Agents?

Extensive Options

We provide a diverse range of health insurance plans from top providers in Georgia, giving you the freedom to select the one that suits you best.

Easy Comparison

Our user-friendly platform allows you to compare multiple plans side-by-side, enabling you to make an informed decision based on your needs and preferences.

Expert Guidance

Our team of insurance experts is here to answer any questions you may have and guide you through the process of selecting the right health insurance plan.

Customer Satisfaction

We prioritize your satisfaction above all else. Our goal is to ensure you have a seamless experience finding and enrolling in the perfect health insurance plan.

Let’s Work Together

We offer the best health insurance plans from the best health insurance companies in Georgia. Affordable Health Insurance available for all.

Need help getting started? Give us a call.
No purchase or enrollment obligation.


What are the options for obtaining health insurance in Ohio?

In Ohio, individuals and families have several options for obtaining health insurance. They can explore coverage through the Ohio Health Insurance Marketplace, where they can compare and purchase plans that suit their needs. Medicaid is also available for low-income individuals and families, and some may be eligible for employer-sponsored health insurance or COBRA coverage.

Does Ohio have free health insurance?

Yes. Medicaid of Ohio offers free health insurance coverage for people with low income.

Is health insurance mandatory in Ohio?

No. There is no penalty for not enrolling in a health insurance plan in Ohio.

How can I find affordable health insurance in Ohio?

To find affordable health insurance in Ohio, start by researching and comparing different plans available through the Ohio Health Insurance Marketplace. Take advantage of financial assistance programs, such as premium subsidies and cost-sharing reductions, for which you may qualify based on your income level. Additionally, consider high-deductible health plans paired with Health Savings Accounts (HSAs) as a cost-effective option.

Can I get health insurance coverage if I have a pre-existing condition in Ohio?

Yes, in Ohio, health insurance plans cannot deny coverage or charge higher premiums based on pre-existing conditions. Under the Affordable Care Act, individuals with pre-existing conditions have guaranteed access to health insurance coverage through the Ohio Health Insurance Marketplace or other private insurance options.

What is the open enrollment period for health insurance in Ohio?

The open enrollment period for health insurance in Ohio typically runs from November 1st to December 15th each year. During this time, individuals can enroll in or make changes to their health insurance plans for the upcoming year. However, certain life events, such as marriage, birth of a child, or loss of other coverage, may qualify individuals for a special enrollment period outside of the standard open enrollment timeframe.

What is the penalty for not having health insurance in Ohio?

As of 2021, there is no longer a federal penalty for not having health insurance. However, it’s important to note that some states, including Ohio, may have their own individual mandate or penalties for not having coverage. It’s recommended to stay informed about any state-specific requirements regarding health insurance coverage.

What is Medicaid Expansion in Ohio?

Ohio has expanded its Medicaid program, providing coverage to more low-income individuals and families. Medicaid expansion offers affordable or free health insurance to eligible individuals whose income falls within certain guidelines. It’s a crucial program for those who may not qualify for other types of health insurance.

Can I keep my current doctor if I get Ohio health insurance?

The ability to keep your current doctor largely depends on the health insurance plan you choose. Different plans have different networks of healthcare providers. Before selecting a plan, it’s important to review the network details to ensure your preferred doctors and hospitals are included.

Are there subsidies or financial assistance available for Ohio health insurance plans?

Yes, Ohio residents may be eligible for subsidies or financial assistance to help make health insurance more affordable. The amount of assistance depends on factors such as income and family size. Through the Ohio marketplace, you can determine your eligibility for subsidies and find plans that fit your budget.

How can I enroll in health insurance in Ohio?

You can enroll in health insurance in Ohio during the open enrollment period, typically held towards the end of the year. Additionally, certain life events, such as marriage, having a baby, or losing job-based coverage, may qualify you for a special enrollment period, allowing you to enroll outside of the regular open enrollment period.

What are the available health insurance options in Ohio?

Ohio offers a range of health insurance options, including individual and family plans, employer-sponsored group plans, Medicare plans for seniors, and Medicaid plans for low-income individuals and families. Each option provides different levels of coverage and benefits.

Pin It on Pinterest

Share This