Ohio Health Care

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In 2014, the LAW requires everyone to have Health Insurance or pay a penalty.
Obamacare subsidies are for the needy and unemployed.  
For the rest of us, Insurance companies pay Obamacare 3.8%

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Obamacare ‘rate shock’ hits Ohio with 88 percent insurance hikes

The Ohio Department of Insurance predicts premiums in 2014 will rise by 88 percent, a direct result of President Obama’s Patient Protection and Affordable Care Act.

The average cost of insurance premiums will stand about $420, “representing an increase of 88 percent” compared to 2013, the department reported, Forbes said.

State officials aren’t surprised. They’ve cautioned about the “rate shock” since the early days of Obamacare, Forbes reported.

“We have warned of these increases,” said Lt. Gov. Mary Taylor, in a statement reported by Forbes. “Consumers will have fewer choices and pay much higher premiums for their health insurance starting in 2014.”

Rates in August 2011 for Ohio residents were projected to increase between 55 percent and 85 percent. By March of 2013, those cost hikes had whittled to an 81 percent prediction.

“A total of 14 companies proposed rates for 214 plans to the Department [of Insurance] Projected costs from the companies for providing covered for the required — by Obamacare — essential health benefits ranged from $282.51 to $577.40 for individual health insurance plans,” Ms. Taylor’s statement read, Forbes reported.

The Department of Insurance still has to approve the proposed rate hike, Forbes said.

Group Health Insurance in Ohio
  • Eligible individuals may not be denied or charged extra for medical coverage due to medical problems.
  • Life changes dealing with family problems or job loss entitle the policy holder to special opportunities for group health coverage.
  • Newborn, adopted, and disabled kids have additional coverage options.
  • HMOs may require an affiliation period before offering coverage.
  • Employer may require a wait period before offering group coverage.
  • Insurance providers may review medical history for the six months prior to insurance coverage.
  • If a pre-existing condition is found, an exclusion period of up to 12 months may apply.
  • If coverage has been maintained with no lapse longer than 63 days, the policy holder is entitled to creditable coverage.
  • Consult with your employer for more details.

Small Business Health Insurance in Ohio

  • An employer with fewer than 50 employees may not be denied small group health insurance or be cancelled because of illness within the employee group.
  • Limits apply to the cost of a small group policy, cost may increase due to a serious illness of an employee.
  • In northeast Ohio, a business with fewer than 250 employees may join an alliance which acts as a purchasing pool for group health coverage.
  • Consult the Ohio Department of Insurance for regulations governing these alliances and associations.

Ohio Department of Insurance 
2100 Stella Court 
Columbus, OH 43215
(614) 644-2658


Self-Employed Health Insurance in Ohio

The self-employed may not purchase group coverage.

Individual Health Insurance in Ohio

  • Individual health coverage may be denied due to sickness, except during open enrollment periods when providers must offer standard or basic plans.
  • HIPAA eligible individuals are guaranteed the right to a standard or basic plan any time.
  • Ohio regulations stipulate what must be included in a standard or basic plan.
  • In the case of a pre-existing condition, providers can attach an elimination rider to the policy.
  • Providers may impose an exclusion period for up to 12 months when coverage begins.
  • If continuous coverage is maintained with no breaks over 30 days, policy holders are entitled to creditable coverage.
  • Pregnancy may be classified as a pre-existing condition but not genetic information.
  • Providers may not require exclusion periods for basic services.
  • No limits apply to the cost of most individual plans.
  • Limits may apply to standard and basic plans.
  • Coverage may not be cancelled due to sickness.

Ohio Health Care Programs

Medicaid, Best Rx Program, and Breast and Cervical Cancer Prevention Project offer assistance to low income individuals.

Location Status of State Exchange Decision Medicaid Expansion Decision Executive Activity
Ohio Default to Federal Exchange3 Supports