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Ohio employers: Spend 60% less on health insurance¹

From Cincy to The Land, affordable health insurance in Ohio starts with a Take Command HRA

Spend less on health insurance plans for your employees.

Get complete budget control and predictability.

Let employees choose the health plan that’s perfect for them.

Get affordable health insurance in Ohio

Avoid expensive group plans

Private health insurance in Ohio is an expensive option that forces employers to choose one health benefits plan for all employees.

Set your own budget

With a Take Command HRA, employers set the budget for an employee allowance and employees buy a plan from the health insurance marketplace.

Save money with a Take Command HRA

The cost difference makes a Take Command HRA more affordable than small group health insurance for every county in the state of Ohio.

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On average, a Take Command Ohio HRA is 60% less expensive than small group health insurance

These prices are 2025 average rates for a 50-year-old on a bronze plan. All Ohio counties qualify for an HRA. See example counties below.

 

Cuyahoga County

Small group insurance: $881
Individual health plan: $402

Franklin County

Small group insurance: $1,110
Individual health plan: $500

Hamilton County

Small group insurance: $989
Individual health plan: $449

Look at health plan costs for your county
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What is an HRA?

A Health Reimbursement Arrangement ( sHRA) is a tax-advantaged health benefits solution where employers give a monthly allowance to employees for qualified medical expenses and insurance premiums. The employer sets the budget, and the employees buy healthcare plans from the ACA or state marketplace.

On the horizon for the Buckeye State

Ohio legislators are considering House Bill 133, which is a proposed state tax credit. Under this bill, a $400 tax credit per employee covered will be available to employers who offer ICHRAs,² making it an even smarter choice for Buckeye businesses.

Ohio health insurance brokers

If you’re a health insurance broker with clients in Ohio, you could be providing them significant savings with a Take Command HRA.

Explore ICHRA for brokers



Ohio Employer HRA: Frequently Asked Questions

Why is Ohio considered a top state for ICHRAs?

Ohio is uniquely positioned for success with Individual Coverage HRA (ICHRA) because of its strong and stable individual health insurance market. With about 350 health plans available statewide, employees have a massive variety of ACA-compliant choices. In major metros like Cleveland, Columbus, and Cincinnati, carrier competition is high, which keeps individual premiums lower and more predictable than many traditional group plans.

How much do Ohio employers typically contribute to HRAs for their employees?

On average, Ohio business owners reimburse their employees $386 per month to cover health insurance. In many cases, this covers 100% of the premium for a Bronze or Silver plan. For comparison, traditional group plans in Ohio often require employees to pay 30% of the premium out-of-pocket, whereas an HRA model can often cover 141% of the lowest-cost premium in certain regions.

Which health insurance carriers are available for my employees?

Ohio has a robust lineup of carriers. Depending on the city, here are some of the carriers your employees can choose from:

  • Ambetter
  • Anthem BlueCross BlueShield
  • CareSource
  • Medical Mutual
  • Molina Healthcare
  • Oscar
  • UnitedHealthcare

What is the difference between an ICHRA and a QSEHRA for my Ohio business?

  • QSEHRA (Qualified Small Employer HRA): For businesses with fewer than 50 employees that don’t offer a group plan. It has set annual contribution limits ($6,450 for individuals / $13,150 for families in 2026).
  • ICHRA (Individual Coverage HRA): For businesses of any size. There are no contribution limits, and you can offer different reimbursement amounts to different groups (e.g., $400/mo for full-time and $200/mo for part-time).

What are the tax advantages for my business?

HRAs offer a "double tax advantage" in Ohio. Contributions made by the employer are 100% tax-deductible as a business expense, and the reimbursements received by employees are 100% tax-free. This makes every dollar spent on benefits go much further than a traditional salary increase.

Affordable health insurance for Ohio’s top industries: manufacturing, healthcare, and home health

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Manufacturing

High healthcare claims are often associated with the physical demand of manufacturing jobs. ICHRA offers meaningful benefits at a reasonable cost.
HRAs for Ohio manufacturers
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Healthcare

Staff burnout and rising operational costs make it hard to run a healthcare practice. Take Command takes care of your budget and your clinicians.

HRAs for Ohio healthcare organizations
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Home Health

Attract competent, dependable caregivers and admin with benefits that typically save our clients 30% after switching from group insurance.
HRAs for Ohio home health companies

CONNECT WITH US

Contact Take Command to learn about Ohio HRAs

We’re here to help and can answer questions about health insurance quotes for your county.

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