Expertise.com

2024

Last updated:

Best Health Insurance Agencies in Ohio

Our Recommended Top 12

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 Ohio 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.

219852Reviewed

131916Curated

12Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Expertise.com Rating

Review Sources

Facebook
4.9 (68)
Google
4.8 (26)

Why choose this provider?

Cunningham Insurance, Ltd, serves individuals and families throughout Ohio. It provides assistance to individuals wishing to apply for Medicare Supplement insurance plans to protect themselves and their loved ones' health while securing their finances. It also carries life insurance plans that cover clients' final expenses and their families' future income replacement, educational costs, and mortgage expenses. In addition to health and life, the agency offers insurance policies focusing on farms, rental properties, automobiles, boats, and motorcycles. Cunningham Insurance has been in the industry since 1974.

  • Individual Plans

Expertise.com Rating

Review Sources

Google
4.8 (64)
Facebook
4.7 (28)
Yelp
5.0 (1)

Why choose this provider?

Jobes Insurance Agency offers its services to Ohio. It helps clients prepare for any unfortunate events and protect their families from a lifetime of debt by providing them with several health insurance plan options. It also helps clients look for life, auto, and farm or home insurance policies. The company extends its services to both small and large businesses searching for insurance coverage. The family-owned and family-operated insurance agency carries over 55 years of industry experience. It also serves clients in South Carolina.

  • Individual Health Insurance
  • Life Insurance

Expertise.com Rating

Review Sources

Facebook
5.0 (23)
Google
5.0 (5)

Why choose this provider?

Dostal & Kirk Insurance & Financial Services caters to clients in Ohio. It carries various health insurance products which cover expenses of urgent medical care and hospitalization for family members and employees. These include Medicare supplements, advantages, and Part D plans. The company is affiliated with multiple carriers, such as Pacific Life and Ohio Mutual, in providing personal, business, farm, and beverage-related coverages. Vice President Michael Dostal is a Chartered Insurance Counselor and has been working for the agency since 2005.

  • Medicare Supplement Insurance
  • Individual Health Insurance

Expertise.com Rating

Review Sources

Google
5.0 (26)
Facebook
4.3 (14)

Why choose this provider?

Phil Ruth Insurance Agency offers a variety of services in and around Ohio. Since 2015, it has been serving the risk management needs of individuals and families through its personal lines of insurance. The enterprise writes personalized health protection plans and helps policyholders file reimbursements to recover compensation for hospital or medical expenses. It also provides umbrella, life, auto, and homeowners' insurance. The independent company represents multiple carriers, such as Nationwide, Progressive, Travelers, and Aegis.

  • Individual Plans

Expertise.com Rating

Review Sources

Google
5.0 (36)
Yelp
5.0 (1)

Why choose this provider?

The Keenan Agency is an insurance agency that serves individuals, families, and businesses across Ohio. It enables clients to select a health insurance plan to protect them from financial losses due to unexpected illness or injury. The company also carries other personal lines of insurance, including life, home, auto, and motorcycle insurance. It represents various insurance companies such as Liberty Mutual Insurance, Progressive, Safeco, Travelers, and Foremost. The Keenan Agency has been in operation since 1938.

  • Life Insurance
  • Individual Health Insurance

Expertise.com Rating

Review Sources

Google
4.5 (16)

Why choose this provider?

Montana Insurance works with established providers like Humana, Medical Mutual, Progressive, UnitedHealthcare, Anthem, and Aetna. It helps clients in Ohio obtain individual or group health insurance policies that cover medical expenses in the event of illnesses or accidents. It also provides life, mortgage protection, individual dental, auto, homeowners', and workers' compensation insurance products. Company founder and president Al Montana is a member of the Million Dollar Round Table and the American Association of Retired Persons' advisory council.

  • Life Insurance

Expertise.com Rating

Review Sources

Google
4.9 (99)
Facebook
4.8 (90)
Yelp
5.0 (1)

Why choose this provider?

Kahrl & Company is an independent insurance agency that has several offices located in Ohio. It offers various health insurance packages for individuals and families under Medicare and the Affordable Care Act. These products include health, dental, disability, vision, and long-term care coverages. Its team of agents also creates other types of custom personal and commercial insurance solutions. Kahrl & Company has been in operation since 1907 and represents a selection of national and regional insurance carriers.

  • Dental and Vision Insurance
  • Individual Health Insurance
  • Life Insurance

Expertise.com Rating

Review Sources

Google
5.0 (33)
Facebook
5.0 (26)

Why choose this provider?

Creekstone Benefits caters to clients throughout Ohio. Its team specializes in guiding individuals in applying for health insurance products to protect the well-being and conditions of clients and their loved ones. In addition to health, the agency offers Medicare Supplement, dental, vision, disability, long-term care, and life insurance policies. The company's president and founder, Tiffany Geiger, has been in the insurance industry for more than three decades. Creekstone Benefits works with various insurance companies, including Humana, Aetna, American General, and Genworth.

  • Individual Plans

Expertise.com Rating

Review Sources

Google
5.0 (113)
Facebook
4.5 (33)
Yelp
5.0 (2)

Why choose this provider?

O'Neill Insurance serves individuals, families, and businesses throughout Ohio. It partners with insurance carriers like Liberty Mutual Insurance and The Hartford to provide clients with various coverage plans and claims assistance services. Its scope of insurance products ranges from individual policies like Medicare supplement plans and whole-life or universal life insurance to commercial group coverage plans for dental and optical health. Smart Business, through its Smart Culture Conference and Awards program, awarded O'Neill Insurance with the 2019 Smart Culture Business award.

  • Group Plans

Expertise.com Rating

Review Sources

Google
4.7 (52)
Facebook
4.3 (26)

Why choose this provider?

Adam Bibb is a State Farm insurance agent serving Ohio and the surrounding areas. He helps individuals and families prepare for unforeseen medical expenses by providing them with health insurance options. He and his team also offer personal articles, business, life, and homeowners' insurance policies. Adam holds a BS Management degree and has experience working in the real estate and banking industries. He started his agency in 2008 after his mentorship with a State Farm insurance agent.

  • Group Plans
  • Individual Plans

Expertise.com Rating

Review Sources

Facebook
5.0 (9)

Why choose this provider?

Ruth Neuenschwander is a local health insurance broker serving residents of Ohio. She offers a variety of health insurance policies that cover hospitalization, telemedicine, and dental, hearing, and vision care. Ruth is an accredited agent for all types of state health care and life insurance plans for individuals, groups, and families. She works with different insurance companies, like Molina Healthcare, Ameritas, National General Insurance, and CareSource, to give her clients a range of health insurance options. 

  • Individual Plans

Expertise.com Rating

Review Sources

Google
4.7 (17)

Why choose this provider?

Mid-Ohio Insurance Solutions, Inc., provides health insurance to members of the community. It offers a long-term individual health care plan for clients in case of disability or chronic illnesses. It covers costs for daycare and nursing home services, assisted living facilities, and home modification. Mid-Ohio Insurance Solutions also covers other personal and business insurance policies, as well as industry-specific plans. This independent agency has been serving the community for more than 21 years.

  • Over 65
  • Medicare Supplement Insurance

Compare our Top Health Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Cunningham Insurance, Ltd
13361 Wooster Road, Ohio, OH 43050
Jobes Insurance Agency
444 Columbus Rd. Suite E, Ohio, OH 43050
Dostal & Kirk Insurance & Financial Services
120 S. Sandusky Ave., Ohio, OH 44820
Phil Ruth Insurance Agency
1528 Marion-Waldo Road, Ohio, OH 43302
The Keenan Agency
6805 Avery-Muirfield Drive Suite 200, Ohio, OH 43016
Montana Insurance
1311 Worthington Woods Blvd., Ohio, OH 43085
Kahrl & Company
11 South Mulberry Street, Ohio, OH 43050
Creekstone Benefits
1400 Tharp Road, Ohio, OH 43001
O'Neill Insurance
111 High St., Ohio, OH 44281
Adam Bibb
225 S Sandusky St, Ohio, OH 43015
Ruth Neuenschwander
2785 Ashton Dr, Ohio, OH 45036
Mid-Ohio Insurance Solutions, Inc
102 E. Church Street, Ohio, OH 44833

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.

  • 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.

  • What is health insurance?

    Health insurance policies are contracts that require an insurer to pay some or all of a beneficiary's health care expenses in exchange for a premium and deductible. Plans cover preventive care and emergency medical services arising from an injury or illness. They may also offer optional coverage for dental and vision.

  • How do health insurance companies make money?

    Health insurance companies make money by collecting premiums from consumers and reinvesting the funds. Federal law requires insurers to put approximately 80-85% of collected funds toward claims, and 15-20% is used to pay for administrative expenses.

  • What is subsidized health insurance?

    Subsidized health insurance is available exclusively through the Health Insurance Marketplace. This system applies federal tax credits that can reduce or eliminate premiums. Tax credits are available to consumers who earn up to 400% of the federal poverty level based on household size.

  • What is a health insurance deductible? 

    A deductible is a fixed amount you must pay out-of-pocket before normal copays or coinsurance rates apply. Under the Affordable Care Act, some services, such as annual physicals and wellness screenings, must be covered at no charge.

  • Is it illegal to not have health insurance?

    No. Starting in 2019, the federal government eliminated the penalty that applied to individuals who could afford health insurance but chose not to purchase it. Financial penalties still apply in California, Massachusetts, New Jersey, Rhode Island, Vermont, and Washington, D.C.