Note: These are StretchDollar recommendations. For complex health questions, best to check with a broker.
The marketplace, also known as a health insurance exchange, allows individuals and families to shop for health insurance. Established by the federal government, it mandates that listed health plans provide comprehensive benefits.
In 2019, the government introduced ICHRA (Individual Health Reimbursement Arrangement), a unique way for small businesses to offer health benefits. Through ICHRA, business owners can give pre-tax money to employees for purchasing their own health plans from the marketplace. More employees than ever before are shopping the marketplace. Let's explore the options.
Folks living Dayton have several health insurance options on the marketplace. We've handpicked some of the best plans, keeping an eye on affordability and network coverage for you.
Best if you like telemedicine + $0 deductibles.
UHC Bronze Copay Focus $0 Indiv Med Ded
Best if you want vision + dental included.
Ambetter Elite Bronze + Vision + Adult Dental
Best general all-around option for the price and network.
Medical Mutual - Market HMO Select
Interested in cost-effective health insurance options? Check out these cheaper plans in Dayton, Ohio.
*Based on 30-year-old male
If prioritizing mental health support is important to you, consider these health insurance plans that offer affordable co-pay options for coverage.
Note: If you have a particular therapist you love (and we hope you do), we recommend double checking with them that they accept these plans before purchasing one.
Want to earn some credit card rewards by paying your health insurance premiums? All of the health insurance providers on the marketplace for Dayton, Ohio will let you pay with a credit card:
Here are a few health insurance plans in Dayton, Ohio that throw in some extra perks:
Discounts to national gyms and home chef services.
Free access to popular fitness centers/gyms
Shopping on the marketplace in Dayton, Ohio gives you plenty of options to choose from with 85 plans from six different health insurance carriers.
Health insurance has a lot of terms and jargon that are important to know. Here’s some of the main ones you’ll come across. You can find more here.
Seeing out-of-network doctors or taking medicines that aren’t covered by your health plan can become quite costly. If you have complicated health needs or take specialty medicines, you should consult a broker to make sure your doctors and prescriptions are covered.
Health insurance is complicated and costly, especially for small businesses. High participation rates and contribution requirements make it out of reach for many. Not to mention, traditional group health insurance plans often require 60+ hours of administrative work. That’s where ICHRA comes in. Small business owners finally can control their benefits budget and setup takes just ten minutes. Learn more.
