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Ohio Health Insurance

Consumer Rights under OH State Law

Ohio's insurance laws offer medium protection for its consumers. Insurance companies have a significant amount of freedom in developing their policies.

Newborn and Dependent Coverage
Newborns and adopted children of insured individuals with dependants included on the plan are automatically for a period of 31 days. The insured individual must contact the insurance company within the 31 day period and adjust their policy in order to guarantee coverage beyond 31 days.

Policy Cancellation
Ohio health insurance policies can not be cancelled by an insurance company for any health conditions. An insurance company must have some other valid reason to cancel a policy.

Pre-existing Conditions
Pre-existing conditions do not have to be covered by a Ohio insurance policy. A Ohio insurance company can set provisions in their policy to dictate if they are going to cover pre-existing conditions.
They can also implement a waiting period before coverage of pre-existing conditions begins.

Non Guaranteed Coverage
Ohio, along with many other states that don't have strong regulations, allows insurance companies to deny coverage. Coverage can be denied because of bad health or pre-existing conditions.

Temporary Health Insurance
A temporary insurance policy can be taken out by qualifying individuals. This coverage's renewal can be denied at an insurance company's discretion.


Always check with your health insurance company on latest policies. These types of policies rarely ever change (but can), and they are very similar from state to state. So, we have tried to highlight the differences, where applicable.

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