Find Affordable Health Insurance Plans
Compare ACA-compliant health plans from top providers in Ohio
Understanding Health Insurance
Health insurance is a contract between you and an insurance company that helps cover your medical expenses. It protects you from high, unexpected healthcare costs and ensures you have access to preventive care.
Financial Protection
Health insurance protects you from catastrophic medical bills. Without coverage, a single hospital stay could cost tens of thousands of dollars.
Preventive Care Coverage
Most health plans cover preventive services like annual checkups, vaccinations, and screenings at no additional cost to you.
Access to Care Networks
Insurance plans provide access to networks of doctors, specialists, and hospitals, often at negotiated lower rates.
Key Terms to Know
- Premium: The monthly amount you pay for your health insurance coverage
- Deductible: The amount you pay out-of-pocket before insurance kicks in
- Copay: A fixed amount you pay for covered services (e.g., $25 for a doctor visit)
- Out-of-Pocket Maximum: The most you'll pay in a year before insurance covers 100%
See If You Qualify for $0 Premium Plans
Millions of Americans qualify for ACA subsidies that can reduce their monthly premium to $0
Why Health Insurance Matters
Health insurance isn't just about covering doctor visits—it's about protecting your financial future and ensuring you have access to the care you need when you need it most.
Protection from High Costs
A single emergency room visit can cost $2,000+. Health insurance caps your out-of-pocket expenses and protects your savings from unexpected medical bills.
Access to Preventive Care
Get free annual checkups, vaccinations, cancer screenings, and wellness visits. Catching health issues early saves lives and money.
Prescription Drug Coverage
Health plans help cover the cost of prescription medications, making essential drugs affordable for chronic conditions and acute illnesses.
Network of Providers
Access a wide network of doctors, specialists, hospitals, and urgent care centers at negotiated rates that are significantly lower than paying out-of-pocket.
The Cost of Being Uninsured
$1,300
Average cost of a single ER visit without insurance
$30,000+
Average cost of a 3-day hospital stay
66%
Of bankruptcies are tied to medical bills
Do You Qualify for ACA Health Plans?
The Affordable Care Act (ACA) provides subsidies and tax credits to help millions of Americans afford quality health insurance. You may qualify for significant savings on your monthly premiums.
Who Qualifies for ACA Subsidies?
-
Income Requirements
Household income between 100% and 400% of the Federal Poverty Level (FPL). For 2024, that's roughly $14,580 to $58,320 for an individual.
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No Employer Coverage
You don't have access to affordable employer-sponsored health insurance that meets minimum value standards.
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U.S. Citizen or Legal Resident
You must be a U.S. citizen, U.S. national, or lawfully present immigrant to qualify for marketplace coverage.
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Not Eligible for Medicare
You're not currently enrolled in Medicare. If you're 65+, you may qualify for Medicare instead.
Potential Savings
$0
Monthly premiums for some
90%
Of enrollees get subsidies
Thanks to enhanced subsidies, many Americans can find plans with $0 monthly premiums. The average savings is over $500/month for those who qualify.
Open Enrollment Period
The annual Open Enrollment Period typically runs from November 1 to January 15. However, you may qualify for a Special Enrollment Period if you've experienced a qualifying life event.
- Lost job-based coverage
- Got married or had a baby
- Moved to a new area
- Lost Medicaid eligibility
Takes less than 2 minutes • No commitment required
How it works
Answer a few questions
Tell us about yourself, your household, and your coverage needs through our simple online form - it takes less than 3 minutes.
Compare health plans
We instantly analyze rates from top health insurance providers and check your eligibility for ACA subsidies and tax credits.
Connect with a licensed agent
Speak with a licensed health insurance specialist who can help you understand your options and enroll in the right plan.
Compare Plans in Minutes
Our licensed agents will help you find the best coverage at the lowest price
Types of Health Insurance Plans
Understanding the different types of health plans helps you choose the right coverage for your needs and budget.
HMO
Health Maintenance Organization
- Lower monthly premiums
- Must choose a primary care physician
- Referrals needed for specialists
- Care within network only
- Best for: Budget-conscious individuals
Great for those who don't mind staying in-network
Get QuotePPO
Preferred Provider Organization
- More flexibility in choosing doctors
- No referrals needed for specialists
- Out-of-network coverage available
- Higher premiums than HMO
- Best for: Those wanting flexibility
Most popular choice for comprehensive coverage
Get QuoteEPO
Exclusive Provider Organization
- No referrals needed for specialists
- Lower premiums than PPO
- Must stay in-network (except emergencies)
- Good balance of cost and flexibility
- Best for: Those comfortable with networks
Combines HMO savings with PPO flexibility
Get QuoteOther Plan Options
HDHP + HSA
High-deductible plans with tax-advantaged savings accounts
Catastrophic
Low premiums for those under 30 or with hardship exemptions
Short-Term
Temporary coverage for gaps between plans
Medicaid
Free or low-cost coverage for qualifying low-income individuals
* Prices vary by location, age, and health status. Enter your ZIP code above for personalized quotes.
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Get Your Free QuoteFrequently Asked Questions
Get answers to common questions about health insurance and the ACA
What is the Affordable Care Act (ACA)?
The Affordable Care Act, also known as Obamacare, is a federal law that requires most Americans to have health insurance and provides subsidies to help make coverage more affordable. It also prevents insurance companies from denying coverage or charging more based on pre-existing conditions.
How do I know if I qualify for subsidies?
You may qualify for premium tax credits if your household income is between 100% and 400% of the Federal Poverty Level and you don't have access to affordable employer coverage or government programs like Medicare or Medicaid. Our free quote tool can help determine your eligibility.
When can I enroll in health insurance?
The annual Open Enrollment Period typically runs from November 1 to January 15. However, you may qualify for a Special Enrollment Period if you experience a qualifying life event such as losing job-based coverage, getting married, having a baby, or moving to a new area.
What's the difference between HMO and PPO plans?
HMO (Health Maintenance Organization) plans typically have lower premiums but require you to use in-network providers and get referrals for specialists. PPO (Preferred Provider Organization) plans offer more flexibility to see any doctor without referrals, but usually have higher premiums.
What are essential health benefits?
Under the ACA, all marketplace plans must cover 10 essential health benefits: ambulatory services, emergency services, hospitalization, maternity care, mental health services, prescription drugs, rehabilitative services, lab services, preventive care, and pediatric services including dental and vision.
Can I be denied coverage for pre-existing conditions?
No. Under the ACA, insurance companies cannot deny you coverage or charge you more because of pre-existing health conditions. This protection applies to all ACA-compliant health plans purchased through the marketplace or directly from insurers.
What happens if I don't have health insurance?
While the federal penalty for not having insurance was reduced to $0 in 2019, some states have their own individual mandates with penalties. More importantly, being uninsured puts you at significant financial risk if you need medical care.
How much does health insurance cost?
Health insurance costs vary widely based on your age, location, plan type, and coverage level. The average monthly premium for an individual is around $450 without subsidies, but many people qualify for tax credits that can reduce this to $0-$100 per month.
Still Have Questions?
Our licensed health insurance agents are here to help you understand your options.
Speak with an AgentPenny Pincher's Guide to Health Insurance Savings
Expert tips and guides to help you find affordable health insurance and maximize your coverage benefits.
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