Individual Health Insurance in Ohio (OH)
The Buckeye State is home to 11.3 million Americans and each year this number grows by almost 150,000 thanks to all the newborns that make their way into the world. Eleven percent of Ohioans, however, don't have the health insurance they need to protect themselves and their families.
Ohio Health Facts
More than 12 percent of new mothers-to-be in Ohio are not receiving the prenatal care they need to maintain a healthy pregnancy. As a result, 12,600 babies are born every year with a low birth weight, 8.5 percent of all newborns. Another 12.5 percent are born premature and only 82 percent get the immunizations they need before the age of 3. Fourteen percent of kids between the ages of 10 and 17 in Ohio are overweight and 39 percent missed out on visiting both a dentist and a doctor last year. The simplest of health insurance policies can cover these costs and more.
Health Insurance Needs in Ohio
Most, if not all, Ohio adults would benefit from the checkups and preventative measures that are covered by a good health insurance plan. Seven percent of adults in the state have diabetes, 11 percent have asthma, 60 percent are overweight or obese and 22 percent smoke. For every 100,00 people, 453 are diagnosed with invasive cancer and 208 will die from the disease. Also for every 100,000, 23 will pass on due to Alzheimer's disease, 29 from diabetes, 248 from heart disease and 55 to stroke.
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Ohio Health Insurance Laws
Ohio law allows insurance companies to deny coverage if you have a health problem, except during enrollment periods, during which time insurers must guarantee either standard or basic plans. If you are HIPPA eligible, you are guaranteed a standard or basic plan at any time. Check with your state insurance department for eligibility requirements. Pre-existing conditions can be temporarily excluded with the imposition of a maximum exclusion period of 12 months, or permanently excluded with the use of an elimination rider. Pregnancy qualifies as a pre-existing condition, but genetic information does not. Basic services can not be excluded. Standard and basic plans are regulated. There are no regulations limiting premium prices, except on standard and basic plans. State law prohibits cancellation of your policy if you become sick.
Individual Health Insurance Companies in Ohio
American Family Insurance
Anthem Blue Cross and Blue Shield
Fairmont Specialty Group
Medical Mutual of Ohio