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.