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2024

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Best Health Insurance Agencies in Cincinnati, OH

Our Recommended Top 8

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Cincinnati Health Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

6263Reviewed

3761Curated

8Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

201 East 5th Street, Cincinnati, OH 45202
WebsiteLicense: 948755

Expertise.com Rating

Review Sources

Google
4.0 (4)

Why choose this provider?

A full-service insurance and risk management firm, W.P. Dolle, LLC serves individuals, families, and businesses in Cincinnati. It provides personal products such as health insurance, long-term care, disability insurance, vision insurance, Medicare Supplements, and life insurance. The agency also works with several insurance companies to deliver coverage for commercial property, errors and omissions, workers’ compensation, and employee benefits. Its other available services include risk management. W.P. Dolle, LLC has been in the industry since 1872.

  • Individual Plans
  • Life Insurance

1163 Lyons Road, Dayton, OH 45458
WebsiteLicense: 86774

Expertise.com Rating

Why choose this provider?

John Devine is an insurance agent partnered with State Farm who serves Cincinnati and the surrounding areas. He offers health insurance products such as supplemental health, Medicare supplement, and individual medical plans. Other products include auto, home, life, and pet insurance. Business owners can also take advantage of policies such as commercial auto, workers' compensation, and contractors' policy insurance. Additionally, umbrella insurance options are available for clients looking to have additional coverage beyond what traditional insurance policies can provide.

  • Individual Plans
  • Life Insurance

1014 North University Boulevard, Middletown, OH 45042
WebsiteLicense: 1559

Expertise.com Rating

Review Sources

Google
4.0 (12)
Facebook
3.0 (6)

Why choose this provider?

Benefit Concepts, Inc., offers health insurance products and Medicare plans in Cincinnati. Its agents strive to match its clients' needs and resources with plans from different carriers available in the market. They also handle life and business insurance policies. Benefit Concepts educates its customers by holding webinars related to its services. Since 1982, it has been providing insurance services to families in the Tristate area. Benefit Concepts has been certified as a Women's Business Enterprise.

  • Individual Plans
  • Group Plans
  • Life Insurance

1061 North University Boulevard, Middletown, OH 45042
WebsiteLicense: 1459

Expertise.com Rating

Why choose this provider?

Insurance Associates is an independent agency that has been servicing Cincinnati since 1969. It offers a wide range of health insurance packages including individual and family, long-term care, disability, dental, and child health. Its team is composed of owners, agents, account managers, claims professionals, and support staff who assist clients in securing the future of individuals and businesses. The agency also offers special event and wedding insurance. Coverages are available for different industries such as car dealerships, arborists, and alarm contractors.

  • Individual Plans
  • Group Plans
  • Life Insurance

6925 Dutchland Boulevard, Liberty Twp, OH 45044
WebsiteLicense: 1040776

Expertise.com Rating

Review Sources

Facebook
5.0 (3)
Google
5.0 (1)

Why choose this provider?

Serving Cincinnati, Kris Jacobs Agency provides a range of insurance solutions to individuals and businesses in the metro. It offers insurance products such as health insurance, Medicare Supplement Insurance, dental insurance, and life insurance. The company also has other insurance options like business insurance, homeowners insurance, car insurance, and flood insurance. Owner Kris Jacobs ventured into the personal and commercial insurance industry in 2014 after almost a decade of working in asset management.

  • Individual Plans
  • Life Insurance

2101 Florence Avenue, Cincinnati, OH 45206
WebsiteLicense: 26940

Expertise.com Rating

Review Sources

Google
4.0 (8)

Why choose this provider?

Cornerstone is a family-run health insurance partner in Cincinnati. It supports insurance brokers in gaining access to health insurance products from reputable insurance vendors. The company provides brokers with solutions on individual health insurance products, including exclusive access to enrollment platforms, broker tools and resources, and contracts with national and regional carriers. Cornerstone has over 50 carrier partners and has helped over 5,000 insurance brokers build their health insurance portfolios. Its agents are licensed in all 50 states and have over 150 professional designations in the insurance agency.

  • Individual Plans

431 Ohio Pike, Cincinnati, OH 45255
WebsiteLicense: 41288

Expertise.com Rating

Review Sources

Google
5.0 (3)

Why choose this provider?

Pillar Insurance provides Cincinnati and the surrounding areas with individual and group health insurance coverage. It offers Medicare-related insurance plans, including Medigap insurance policies, Medicare prescription drug plans, and Medicare Advantage plans. It also offers life insurance, annuities, and long-term care insurance for individuals and businesses. Founded by Jeff Markovic in 1983, Pillar Insurance is an independent agency that serves clients by searching multiple carriers that offer a wide range of solutions for different insurance needs.

  • Life Insurance

9200 Montgomery Rd. Suite 19A, Cincinnati, OH 45242
WebsiteLicense: 3624

Expertise.com Rating

Review Sources

Google
5.0 (38)

Why choose this provider?

Wilson Insurance Group is a family-run brokerage serving small businesses & individuals in Cincinnati and throughout Ohio, Kentucky and Indiana. Since 1990, they have assisted thousands of clients with employee benefits and individual policies. Wilson Insurance offers employee benefit plans such as group health, dental, disability, life, vision, and identity theft for businesses. They also help individuals obtain life, disability and Medicare coverage. The brokerage is licensed with Aetna, Anthem, Humana, Medical Mutual, United Healthcare and many more carriers to help businesses and individuals with their insurance needs.

  • Group Health Insurance
  • Life Insurance
  • Dental Insurance

Compare our Top Health Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
W.P. Dolle, LLC
201 East 5th Street, Cincinnati, OH 45202
John Devine
1163 Lyons Road, Dayton, OH 45458
Benefit Concepts, Inc.
1014 North University Boulevard, Middletown, OH 45042
Insurance Associates
1061 North University Boulevard, Middletown, OH 45042
Kris Jacobs Agency
6925 Dutchland Boulevard, Liberty Twp, OH 45044
Cornerstone
2101 Florence Avenue, Cincinnati, OH 45206
Pillar Insurance
431 Ohio Pike, Cincinnati, OH 45255
Wilson Insurance Group
9200 Montgomery Rd. Suite 19A, Cincinnati, OH 45242

FAQs

  • Introduction

    If you're looking for health insurance for yourself or your family, an agent can help you save time, understand your options, and manage your costs. Insurance agents must be licensed in the state where they operate. They can provide information about on- and off-exchange plans to help you weigh all of your options, and they can see if you qualify for tax credits that can lower your monthly premiums. There's no cost to work with an agent, and they can help you save quite a bit by recommending the best plan for your needs. Here's what you should know before you get started.

  • Can you be dropped from your health insurance plan in Cincinnati if you get sick?

    Your health insurance plan in Cincinnati cannot be terminated due to illness unless you discontinue your premium payments. The law permits you to maintain your coverage during significant life events, such as divorce, job changes, or job loss. However, the terms of coverage and premium costs may be adjusted based on the specific circumstances.

  • Can you buy short-term health insurance in Cincinnati?

    Yes, in Cincinnati, individuals have the option to purchase short-term health insurance plans with initial terms that can extend up to 364 days. These plans are non-renewable, but you can apply for a new policy once the short-term one expires. Some insurance providers even offer the opportunity to buy three consecutive short-term policies at once. Note that short-term health insurance plans usually come with broad exclusions for pre-existing conditions.

  • Can insurance companies deny coverage due to pre-existing conditions in Cincinnati?

    No, health insurance companies in Cincinnati are prohibited from denying coverage or increasing premiums solely due to the presence of a pre-existing condition, such as asthma, cancer, or diabetes. Once you have secured insurance, insurance companies are not allowed to refuse to cover treatments related to your pre-existing condition. However, grandfathered health plans are not obligated to cover pre-existing conditions.

  • Can you stay on your parent's health insurance plan in Cincinnati?

    Yes. Parents in Cincinnati can keep their children on their health insurance plans until they are 26 years old. State law says that eligible children must be unmarried or full-time students. They also cannot have their own employer-based health insurance or be eligible for Medicare or Medicaid.

  • Can health insurance companies in Cincinnati charge different premiums based on gender?

    No. In CIncinnati, your premium cannot be influenced by your gender. Premiums are determined by five factors: location, age, tobacco use, plan category, and whether the plan covers dependents. Under the ACA, it is also prohibited for plans to charge women higher premiums than men for the same level of coverage or to deny coverage to women based on specific pre-existing medical conditions, including pregnancy.

  • How can you find affordable health insurance? 

    Affordable insurance is available through employers, Medicare, Medicaid, and the federal Health Insurance Marketplace, which offers subsidies in the form of tax credits. You can also purchase coverage through private insurance companies and independent agents. Nearly half of all Americans have employer-sponsored health insurance, and about 10% of the population is uninsured.