Health care reform remains stalled in Congress so solving your health insurance needs and the needs of your family is up to you. Even once a deal is approved it is going to be 2013 until it is implemented so in the mean time it is up to you to find affordable coverage. In Ohio, there are several major companies offering health insurance at a rate that will fit your family budget.

To find the best Ohio health insurance quote it is highly recommended that you work with an independent agent who can help you compare prices and benefits to get the best deal. Anthem, Assurant, United Health One, Humana and Medical Mutual of Ohio all offer a variety of HMO's and PPO's which provide very good coverage. Your insurance agent can help you understand the differences between the benefits provided by each of the five and find the best one for you.

A managed care plan will provide you with the best deal for your money. Across Ohio all of the insurers have put together a large network of doctors and hospitals to provide services for subscribers. To get the best deal you must stay in-network for services because the health insurance company has already negotiated the price with providers. The insurer and the provider also have streamlined the billing process to save money and keep rates down.

There are a number of factors which will determine the price of your policy and that is why you need someone looking out for your interests in the negotiations. The Ohio insurance companies may try and sell you a policy with a low premium which is really no bargain at all. If it includes high out of pocket expenses and big deductibles it could end up being much more expensive in the long run than other plans which may carry a higher premium. It is very difficult to understand the difference sometimes between a discount policy and a bad policy which is why it is best to get professional help.