Short-term health insurance in Ohio offers a temporary solution for individuals experiencing gaps in coverage—such as between jobs, awaiting employer benefits, or outside the annual Open Enrollment period. However, due to regulatory changes effective September 1, 2024, these plans are now limited to an initial term of three months, with a one-month renewal option, totaling a maximum duration of four months.
Top Short-Term Health Insurance Providers in Ohio (2025)
Based on coverage options, affordability, and customer satisfaction, the following insurers are notable for short-term health plans in Ohio:
1. UnitedHealthcare (UHC) – Best Overall
UnitedHealthcare offers a variety of short-term plans underwritten by Golden Rule Insurance Company. Their plans provide flexibility in coverage options, including:
- Plan Options: From basic to comprehensive, including Value Direct, Plus Elite, and Copay plans.
- Coverage: Access to a vast network of providers, with some plans offering prescription drug coverage and preventive care.
- Enrollment: Year-round enrollment with coverage starting as soon as the next day.
UHC’s extensive network and range of plan options make it a strong choice for those seeking customizable short-term coverage.
2. Pivot Health – Most Affordable
Pivot Health is recognized for its budget-friendly short-term plans, offering:
- Plan Variety: Options like Economy, Standard, and Deluxe plans to suit different needs.
- Cost: Competitive premiums, with some plans averaging around $163 per month.
- Benefits: Coverage for doctor visits, emergency care, and some plans include limited prescription benefits.
Pivot Health’s affordability makes it an attractive option for individuals seeking essential coverage without high premiums.
3. Medical Mutual – Best for Local Provider Access
Medical Mutual, a well-established Ohio-based insurer, offers short-term plans featuring:
- Provider Network: Access to a large network of Ohio providers and hospitals.
- Plan Flexibility: Various deductible options and plans with or without copays.
- Enrollment: Coverage can begin the day after enrollment, with the option to cancel anytime without penalty.
Medical Mutual’s strong local presence ensures convenient access to healthcare services across Ohio citeturn0search1.
Ohio’s Short-Term Health Insurance Regulations
As of September 1, 2024, Ohio’s regulations for short-term health insurance include:
- Duration Limits: Initial terms up to three months, with a one-month renewal, totaling a maximum of four months.
- Coverage Requirements: Plans must disclose provider networks and cover certain services, including mammograms and autism spectrum disorder treatments.
- Exclusions: Typically, these plans do not cover pre-existing conditions, maternity care, mental health services, or preventive care.
These regulations aim to ensure transparency and protect consumers from inadequate coverage.
Is Short-Term Health Insurance Right for You?
Consider short-term health insurance if you:
- Are between jobs or waiting for employer-sponsored coverage to begin.
- Missed the Open Enrollment period and do not qualify for a Special Enrollment Period.
- Need temporary coverage while awaiting eligibility for Medicare.
However, if you have ongoing health needs or require comprehensive coverage, exploring options through the ACA Marketplace may be more appropriate.
Short-term health insurance in Ohio for 2025 offers a temporary safety net for those experiencing coverage gaps. UnitedHealthcare, Pivot Health, and Medical Mutual stand out for their plan options, affordability, and provider networks. Always review plan details carefully to ensure the coverage aligns with your healthcare needs.