If you’re a freelancer in the Buckeye State, you know how crucial it is to have reliable health insurance coverage. It can really seem like daunting task to navigate the realm of health insurance options.
But don’t lose hope.
Let’s explore some of the most viable options for obtaining health insurance in Ohio, along with important state rules you should keep in mind. Whether you’re just starting to explore your options or looking to switch your current plan, let me guide you with all the necessary information for health insurance for freelancers in Ohio.
Options for Freelancers Obtain Health Insurance in Ohio
- Purchase an individual health insurance plan: Freelancers in Ohio can purchase an individual health insurance plan through the Ohio Health Insurance Marketplace or directly from a private health insurance company. Ohio has a state-based exchange, which means that residents can purchase insurance plans through the Ohio Department of Insurance’s website or through a licensed insurance agent.
- Join a professional association or union: Join a professional association or union that offers group health insurance for freelancers.
- Join a healthcare sharing ministry: Healthcare sharing ministries are community based organizations that allow members to share healthcare costs. Members pay a monthly fee, and the organization uses the funds to pay for members’ medical expenses. It is not traditional insurance, more like a healthcare alternative.
Health Insurance in Ohio: State Rules to Remember
- Ohio has guaranteed issue for individual health insurance plans purchased on the public healthcare exchange, which means that insurance companies cannot deny coverage based on pre-existing conditions.
- Ohio allows short-term health insurance plans with a duration of up to 364 days.
- Ohio does not have a state mandate for health insurance, but the federal individual mandate still applies. The individual penalty for the mandate has been repealed in 2019.
- Freelancers in Ohio can claim a tax deduction for health insurance premiums paid for themselves, their spouse, and dependents.
Still scratching your head on how to work around the right health insurance plan for freelancers in different states?
Work with an experienced, licensed health insurance advisor with a medical background – me!