Note: These are StretchDollar recommendations. For complex health questions, best to check with a broker.
The marketplace, also known as a health insurance exchange, allows individuals and families to shop for health insurance. Established by the federal government, it mandates that listed health plans provide comprehensive benefits.
In 2019, the government introduced ICHRA (Individual Health Reimbursement Arrangement), a unique way for small businesses to offer health benefits. Through ICHRA, business owners can give pre-tax money to employees for purchasing their own health plans from the marketplace. More employees than ever before are shopping the marketplace. Let's explore the options.
Good news if you live in Toledo, Ohio — there are plenty of health insurance options to choose from. We’ve selected some of the best health plans based on cost and network.
Best if you like telemedicine + $0 deductibles.
Aetna Bronze 4 + $0 deductible
Best health plan if you need ProMedica in network.
Ambetter Elite Bronze
Best general all-around option for the price and network.
Ambetter Everyday Gold
If you're keeping an eye on your budget, check out these budget-friendly health insurance options in Toledo, Ohio.
*Based on 30-year-old male
If having solid mental health support matters to you, these health insurance plans have you covered.
Note: If you have a particular therapist you love (and we hope you do), we recommend double checking with them that they accept these plans before purchasing one.
Looking to rack up some credit card rewards by paying your health insurance premiums? Good news! These health insurance providers in Toledo, Ohio, allow you to pay with a credit card:
*Credit card permitted for premiums <$10,000
Here are a few health insurance plans in Toledo, Ohio that throw in some extra perks:
Shopping for health insurance on the Toledo, Ohio marketplace offers you plenty of options. In Toledo, you'll find over 110 plans from eight different health insurance carriers.
Health insurance has a lot of terms and jargon that are important to know. Here’s some of the main ones you’ll come across. You can find more here.
Seeing out-of-network doctors or taking medicines that aren’t covered by your health plan can become quite costly. If you have complicated health needs or take specialty medicines, you should consult a broker to make sure your doctors and prescriptions are covered.
Health insurance is complicated and costly, especially for small businesses. High participation rates and contribution requirements make it out of reach for many. Not to mention, traditional group health insurance plans often require 60+ hours of administrative work. That’s where ICHRA comes in. Small business owners finally can control their benefits budget and setup takes just ten minutes. Learn more.
