Best Short-Term Health Insurance in Ohio (2024)

Whether you’re in between jobs or waiting for open enrollment, short-term health insurance is a great way to stay protected during coverage gaps. Short-term health insurance can last for a few weeks or a year, depending on what you need.

Keep in mind that short-term plans are not compliant with the Affordable Care Act. Thus, they often don’t include essential medical benefits or cover those with certain pre-existing medical issues.

MoneyGeek determined that National General Accident & Health is the top-rated insurance provider that offers short-term health insurance in Ohio, with a score of 95 out of 100. Our runner-up is Everest Reinsurance Company, scoring 85 out of 100.

However, short-term plans should not replace marketplace plans. If you’re looking for potential savings, a health insurance subsidy can get you a market plan with significantly better coverage at a reasonable price.

MoneyGeek’s research revealed that the following companies offer the best short-term medical plans in Ohio:

• National General Accident & Health: 95 out of 100
• Everest Reinsurance Company: 85 out of 100
• UnitedHealthcare: 55 out of 100

We selected these companies based on their average maximum out-of-pocket costs and range of cost-sharing options.

The average maximum out-of-pocket (MOOP) costs of National General Accident & Health are $7,500. The MOOP costs for Everest Reinsurance Company and UnitedHealthcare are roughly $7,958 and $11,321, respectively.

National General Accident & Health has the cheapest short-term health insurance in Ohio. Its average maximum out-of-pocket (MOOP) cost is $7,500. While low premiums seem great, the trade-off tends to be higher out-of-pocket costs. Thus, the plan you purchase should sufficiently meet your medical needs.

Short-term health insurance may be an ideal option for those in between jobs. If you don’t need frequent medical care, a cheap policy with high maximum out-of-pocket costs might be a suitable option.

MoneyGeek focused on monthly premiums and cost-sharing options to determine the best short-term health insurance company for individuals between jobs:

• National General Accident & Health: $117 per month
• UnitedHealthcare: $140 per month
• Companion Life Insurance Company: $141 per month

Each company has an average monthly premium in the $117–141 range. However, National General Accident & Health has the lowest average prices available, along with plenty of plan options for most consumers.

Short-term health insurance is a great tool if you’re bridging coverage gaps. This type of insurance can protect you for a few months to a year, depending on what you need. However, short-term policies are best for emergency situations and are not long-term preventive strategies.

Several states across the U.S. allow you to renew your policy after one year. However, it’s not the case in Ohio. According to the Ohio Department of Insurance, a short-term policy’s length can only last up to 364 days.

MoneyGeek answered the most commonly asked questions so you can get a headstart on your short-term health insurance journey in Ohio.