According to the 2012 Milliman Medical Index (MMI), healthcare costs for American families in 2012 have risen beyond $20,000 for the first time. About 60 per cent of families are covered by an employer-sponsored PPO plan, but the increase is 6.9% – an increase of $1,335 over 2011. The 2012 MMI cost is $20,728 for a preferred provider organization (PPO) plan for a family of four. Though employer-sponsored health savings account (HSA) eligible high deductible Ohio health insurance plans will have a higher deductible in 2013, affordable options are available in all Ohio cities, including Columbus.
Columbus HDHP-HSA Plans to Choose From
Leading health insurance companies such as Anthem Blue Cross Blue Shield, Humana, Aetna, UnitedHealthOne, Medical Mutual of Ohio, Assurant, and others offer affordable health insurance Ohio. Some of the comprehensive HSA plans that residents in Columbus can choose from are:
Lumenos HSA Plus from Anthem Blue Cross Blue Shield offers traditional PPO coverage with added financial flexibility. It can be paired with a HSA for greater flexibility and tax benefits. Preventive care services are not subject to deductible or coinsurance. This plan comes with three options for in-network coinsurance: 50%, 20% or 0%.
Humana’s HDHPs also offer flexible premiums, lower than most traditional health plans. This user-friendly plan has a simple basic deductible/coinsurance benefit design. A Health Savings Account can be easily added on. Humana HDHPs offer a range of deductibles and out-of-pocket maximum amounts too comply with IRS guidelines for HSA-compatible plans. The three coinsurance in-network percentage options are 80/50, 90/60, or 100/70. Humana also makes it easy to set up HSAs.
Aetna’s HDHP-HSA plan is affordable and come with low premiums. It offers 100% coverage for in-network preventive care that are not subject to the deductible, as well as nationwide coverage with the freedom to choose providers. It features conventional in network plan coverage of 90% and 70% out of network after the deductible has been met.
UnitedHealthOne offers a simple-to-use HDHP with low premiums. Plan options include Saver 80 with comprehensive inpatient and outpatient expenses, Plan 80 in which the member pays a greater share of the coinsurance, and Plan 100 with a calendar-year deductible with no copays or coinsurance.
Ohio health insurance companies such as Medical Mutual of Ohio, Assurant, and Coventry One also offer many affordable options.
Professional Guidance to Purchase Affordable Columbus Health Insurance
Whether you are an employer seeking affordable health insurance for your employees or an individual seeking to purchase coverage for yourself and your family, professional guidance is available to help choose the right plan. As a Columbus resident, you should also be aware of how the outcome of the health care reform verdict will affect you. To get answers to this and everything you want to know about affordable Columbus health insurance, contact an experienced licensed health insurance broker.