Health Insurance Cleveland Ohio

Health insurance in the Cleveland Ohio area is available from most of the major Ohio health insurance companies. Cleveland health insurance rates have remained fairly stable since 2008. The most competitive rates are offered by UnitedHealthOne, Ohio Anthem Blue Cross, Aetna and Medical Mutual.

Cleveland Ohio Health Savings Accounts (HSAs) have been growing in popularity. These types of plans allow you to pay for current health care expenses and save for future qualified medical and retiree medical expenses on a tax-free basis. You own and make all of the decisions about the money in your HSA, and generally, premiums are less than what traditional health care costs. The premium savings can be used for deposits in the Ohio HSA.

The most comprehensive and competitively-priced Cleveland HSAs are Anthem’s Lumenos, Medical Mutual’s SuperMed One, UnitedHealthOne’s HSA 100 and Aetna’s High Deductible. Each plan offers 100% coverage after the deductible has been met along with rich preventative coverage that is not subject to a deductible.

Ohio catastrophic and comprehensive health insurance plans are also widely available in the Cleveland area. UnitedHealthOne recently reduced rates, so their “Saver 80” catastrophic plan features very competitive rates. For comprehensive coverage, Medical Mutual has historically offered excellent coverage with very affordable premiums. Their “SuperMed” policy offers excellent office visit and prescription coverage at extremely attractive rates. UnitedHealthOne’s “Copay Select” plan also is very popular in Ohio.  

A fairly new concept with health plans is the blended approach, with offers limited office visit and prescription coverages along with major medical coverage to cover catastrophic claims. Cleveland rates are often 15%-25% lower than conventional comprehensive plans. Some of the more popular “blended” policies are Anthem’s “Value” and “SmartSense” plans, UnitedHealthOne’s “Copay Saver” plan and Aetna’s “PPO Value” plans.

The most affordable Cleveland Ohio health insurance plans are provided by Ohioquotes.com, Ohio’s leading resource for affordable health care.

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