Best Ohio Health Insurance (2024 Plans)

Ambetter has a MoneyGeek score of 68, making it the top provider of the best health insurance in Ohio. This provider's plans are relatively affordable, and its out-of-pocket costs are low. It's also better than average at managing claims, as evidenced by its low claims denial rate.

In Ohio, we looked at 65 Silver Health Maintenance Organization (HMO) plans and 11 Silver Preferred Provider Organization (PPO) plans to determine the best health insurance.

AultCare has the best health insurance in Ohio for low out-of-pocket costs, with a MoneyGeek score of 64 out of 100. The provider offers affordable plan options and low out-of-pocket costs.

MoneyGeek analyzed health plans in Ohio and checked out 42 Gold HMO, eight Gold PPO and four Platinum PPO plans for this study.

Ambetter offers the best cheap health insurance in Ohio, with a MoneyGeek score of 70 out of 100. Ambetter provides plan options with more affordable rates, lower average out-of-pocket expenses and denies fewer claims compared to many other providers.

For this analysis, we evaluated 76 Silver plans in Ohio. That number includes 65 Silver HMO plans and 11 Silver PPO plans. MoneyGeek focused on plans with lower monthly premiums for this category, but remember that plans with lower premiums often come with higher out-of-pocket costs.

AultCare offers the best health insurance in Ohio for health care consumers with low income, scoring 65 out of 100. AultCare has lower-than-average rates and average out-of-pocket costs while denying fewer claims than some providers. It also offers a variety of plan types to suit different needs.

In Ohio, our analysis included 65 Silver CSR (cost-sharing reduction) HMO plans and six Silver CSR PPO plans for a comprehensive look at what's available. MoneyGeek focused on plans with low monthly premiums and included only plans with cost-sharing reductions to decide which was the best for individuals with low income.

Here are some details depending on how much money you earn in a year:

• If you earn between $27,180 and $33,975, you can expect coverage of about 73% of your health care costs
• If you earn between $20,385 and $27,180, your plan will cover around 87% of your costs
• If you make less than $20,385, your plan will cover as much as 94% of your costs

These percentages change if you have more or fewer people living in your home.

AultCare offers the best health insurance in Ohio for young adults, earning a MoneyGeek score of 63 out of 100. We evaluated nine Bronze plans, 49 Expanded Bronze plans and seven Catastrophic plans for this category.

The provider ranks well for having low out-of-pocket costs and a variety of plan types. Note that only individuals under the age of 30 can get Catastrophic coverage.

Health insurance companies often offer different plan types. The best providers for all plan categories in Ohio are:

• HMO: Ambetter (MoneyGeek score: 75 out of 100)
• PPO: AultCare (MoneyGeek score: 100 out of 100)

MoneyGeek's recommendations include only Silver plans. Silver plans provide a balance between the monthly cost and what you pay out-of-pocket when you get care. They work well for people who go to the doctor more often.

Ohio has 65 Silver HMO plans, and 11 Silver PPO plans to choose from.

National General Accident & Health offers the best short-term health insurance in Ohio, receiving a MoneyGeek score of 95 out of 100. This insurer is our top choice due to its well-rounded scores for plan types, coverage limits and affordability. Because short-term health insurance plans don’t include key health benefits mandated by the Affordable Care Act (ACA), they are not recommended as a substitute for health insurance. Instead, you can use them as a bridge for temporary gaps in coverage.

Your budget and medical needs — including how much you're willing to spend each month versus when you receive care — will determine which health insurance provider in Ohio is right for you. The following pointers can be helpful when planning to get health insurance.

Those with a qualifying illness or disability or are older adults (aged 65 and older) can obtain Medicare, a government-backed program that subsidizes health care. Medicare comprises three parts:

• Part A (Hospital Insurance): This pays for individuals who need inpatient hospital and home medical care. Certain nursing facilities and hospices are also covered.
• Part B (Medical Insurance): This covers doctor’s visits, preventive services and diagnostic exams.
• Part D (Prescription Drug Coverage): This includes coverage for vaccines and prescription drugs.

We also handpicked the top Medicare Advantage plans in Ohio, and the best Medicare Supplement plans in Ohio.

Medicaid is another federal program that caters to individuals within the state-specific income bracket. Ohio is a Medicaid expansion state, so households with incomes less than 138% of the Federal Poverty Level can qualify for free Medicaid.

Finding an ideal health insurance plan can be complicated due to concerns about price and availability. MoneyGeek answers some frequently asked questions to help you research options.