Affordable health insurance in every state is usually obtained through an employer offering a health care package – Ohio is no exception. However, not all employers offer health packages for their employees and they are not legally required. In addition, some people work one or two part-time jobs and do not qualify for employer health benefits packages because they do not work enough hours. In other words, they are not full-time employees, so employers do not consider them to be important enough assets to secure.
In addition to purchasing an Ohio personal health insurance policy, which is usually always more expensive than buying a group health insurance policy such as those offered by employers or seeking state health insurance, there are two other options for obtaining health insurance at affordable prices, or at least cover medical expenses in Ohio.
One option for obtaining health insurance in Ohio is to purchase a basic high deductible health insurance policy. Of course, these types of health insurance policies do not usually cover regular doctor visits, but they will cover large medical expenses such as emergency room visits, hospitalizations and surgeries. Plus, because of their higher deductibility, they are more affordable than a regular health insurance policy.
Another option for getting affordable health coverage in Ohio is to create a health savings account, also called HSAs. HSAs are not health insurance policies per se, but they do allow you to save money along the way if you need to see a doctor, get medical treatment, or pay for any other health care.
Getting affordable health insurance in Ohio – or any other state for that matter – is no easy feat unless you have offered an employer-provided health care package; but don't give up. In addition to purchasing an individual package or seeking government assistance, you can purchase a basic medical policy or start an HSA to cover some of your health costs.