Apollo Insurance Group works hard to find the best providers of reliable health insurance in Ohio. Ohio uses the federal Marketplace, but there are some differences that set it apart from other states using a similar system.
Health insurance in Ohio is rapidly changing, but Apollo is keeping up. Read on to learn about health insurance in Ohio.
Quick Facts about Health Insurance in Ohio
- Ohio uses the federal Marketplace as its ACA Exchange, with some state regulation
- Open Enrollment for On-Exchange plans is from November 1, 2022 to December 15, 2022.
- Off-Exchange plans can be enrolled at any time.
- Apollo Insurance Group can help broker plans from 14 different carriers.
How Health Insurance Works in Ohio
Ohio uses the federal exchange (or Marketplace) for On-Exchange health insurance plans (also called ACA or Obamacare plans). ACA plans are eligible for subsidies and cannot deny coverage because of preexisting conditions. Ohio is one of seven states that participates in the plan management and qualified health plan certification process in addition to the federal marketplace.
Off-Exchange plans are any plans that are not enrolled on the Marketplace. Ohio does not have any regulations regarding Off-Exchange plans, so they are not required to cover preexisting conditions and are not eligible for subsidies.
When to Enroll for Ohio Health Insurance
The only time that most Ohioans can enroll in On-Exchange health insurance is during the Open Enrollment period. For states that use the federal exchange, like Ohio, Open Enrollment runs November 1, 2022 – December 15, 2022. To enroll outside of Open Enrollment, you must have a qualifying life event.
With some exceptions, Off-Exchange plans can be enrolled at any time. There is no standard Open Enrollment for Off-Exchange health insurance.
How to Enroll for Health In Ohio
To enroll in a health insurance plan in Ohio, contact us now. We will work with you to find the best plan for your budget and needs.
Health insurance in the United States is a complicated beast, and Ohio is no exception. Let one of the experts at Apollo Insurance Group guide you.
This is just a brief overview of health insurance in Ohio and the United States at large. For a more in-depth breakdown, read our article on individual health insurance.
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