2017 started with a mixture of good and not-so-good changes in the health sector of Ohio. For instance, although its residents have more options in terms of carriers, there was also a significant increase in its uninsured population from 2015 to date. In addition, it also has an average rate increase higher than that of the country. To learn more about what you can expect from health insurance for those living in the Birthplace of Aviation, read this guide which covers some of the most important details about it.

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How OH stands in health ratings

The state should really try its best to improve upon its health ratings, as doing so will lead to a lot less emergency department visits, while also paving the way for more adults to obtain insurance. With it ranking 33rd of 51 in the 2015 Commonwealth Fund’s Scorecard on State Health System Performance, it shows that the area it really needs to make drastic changes. This is especially true when it comes to health and lifestyleBelow are just some of the concerning findings under the “Healthy Lives” indicator of the study:

  • Mortality amenable to healthcare: 94 out of 100,000 people

  • Breast cancer fatalities: 22.9 out of 100,000 women

  • Colorectal cancer fatalities: 16.3 out of 100,000 people

  • Percentage of adult smokers: 21%

  • Adult obesity: 32%

  • Obesity in children aged 10-17: 31%

Some of the most important takeaways from the “Access” category include the following:

  • 12% of adults (19 to 64 years old) don’t have insurance, compared with the national average of 15%

  • 5% of children (infants to 18 years old) are uninsured, as opposed to the countrywide average of 6%

  • 13% of the adult population chose not to obtain insurance due to the high costs associated with it

  • 15% of adults had expensive out-of-pocket medical bills

The state’s ininsured rating over the past years

In a U.S. Department of Health & Human Services study, it found that OH had an uninsured rating of 12.3% back in 2010. At the end of the study, the state, with its estimated population then at 11,613,423 (2015, latest data1), saw a 5.8% decrease, bringing it down to just 6.5%. 664,000 more obtained coverage throughout the specified time frame.

Things didn’t go so well in 2016 though, as the Interact for Health-sponsored Ohio Health Issues Poll determined. The report stated that around 800,000 adults in the state (18 to 64 years old) have no health coverage. This represents an increase of about 300,000 from the 2015 count.

Again, how much you have to pay towards your health insurance this year will still depend on a myriad of variables. The healthier you are, the better your premiums. However, given that the entire country was subjected to an average rate hike of 25%, you can expect your premiums to follow suit.

You can use these projections from the United States Department of Health & Human Services to have some idea on what 2017 premiums for certain Ohioans look like:

  • Average lowest-cost, monthly premium within metal level: $330

  • Average net premium for lowest cost plan within metal tier: $130

  • Second-lowest silver before advance premium tax credit (for a 27-year old with a $25,000 household income): $226

  • Second-lowest silver after advance premium tax credit (for a 27-year old with a $25,000 household income): $142

  • Second-lowest silver before advance premium tax credit (for a family of four with a $60,000 household income): $819

  • Second-lowest silver after advance premium tax credit (for a 27-year old with a $25,000 household income): $405

Becoming healthier with sufficient coverage

Having health insurance will pave the way for you to become healthier, seeing as you can undergo important medical services without having to worry about paying for them on your own. And as more people in Ohio become healthier, stabilization of rates will follow, and more will become insured.

References:

https://www.healthinsurance.org/ohio/

http://datacenter.commonwealthfund.org/scorecard/state/37/ohio/

https://aspe.hhs.gov/compilation-state-data-affordable-care-act

https://aspe.hhs.gov/sites/default/files/pdf/212721/2017MarketplaceLandscapeBrief.pdf

1Latest data: The U.S. census is conducted every 10 years as per requirement of the United States Constitution. The 23rd edition and the latest data is the 2010 United States Census. Source: https://en.wikipedia.org/wiki/2010_United_States_Census
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