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Individuals & Families

Affordable, Quality Health Plans for Individuals & Families

We take your healthcare personally. Because you matter, we believe you deserve access to the best in healthcare with AultCare health insurance plans. AultCare offers health plans for young adults, students, self-employed individuals, early retirees, individuals, and families.

AultCare on the Marketplace

Annual Open Enrollment is November 1 — January 15.

You must be enrolled by December 15, 2024 for a January 1, 2025 policy effective date. Enrollments from December 16, 2024 to January 15, 2025 will have a policy effective date of February 1, 2025.

We have health plans for employers, individuals and their families. In addition, you may qualify for financial help in lowering monthly premium or out-of-pocket costs (which may include your deductible, copayment, and coinsurance) through government assistance. You must be enrolled in a plan on the Marketplace to be eligible for financial assistance.

You can find AultCare plans that cover essential health benefits of the Affordable Care Act (ACA) on the Marketplace or directly from AultCare. The Marketplace is a service operated by the federal government for those searching for an individual plan. Subsidies may be available through the Marketplace for those who qualify.

The Premier Select Network is a narrow, cost-effective AultCare network available with access to quality care at local hospitals for individuals and families.

AultCare on the Marketplace

If you are searching for health insurance for yourself or your family, you can easily shop for an AultCare insurance plan on or off the Marketplace. At AultCare, you matter. AultCare offers accessible, personalized customer service to our community because we know how important it is for our community to have access to affordable healthcare.

AultCare offers individual and family healthcare plans

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What Types of Health Plans Does AultCare Offer?

As you compare different AultCare individual health plans, you may find some plans are denoted as Premier Select Network and Select Networks.

The Select Network has lower monthly premiums with access to local providers. Be sure to check the network directory to verify if your provider is part of the network.

Premier Select Network:

The Premier Select Network

Access to area hospitals in Stark, Summit, Tuscarawas and Wayne counties and physicians associated with these facilities
- Hospitals include*:
  - Aultman Hospital
  - Aultman Alliance Community Hospital
  - Cleveland Clinic Mercy Hospital
  - Akron Children’s Hospital
  - Cleveland Clinic Akron General Medical Center
  - Cleveland Clinic Union Hospital
  - Aultman Orrville Hospital
Narrow market
High-quality care at a lower price
Less expensive than the Select Network and Traditional Network

*This is not a comprehensive list. All Cleveland Clinic locations in Ohio are in-network. Additionally, all University Hospital locations in the state of Ohio are in-network.

Select Network:

Select Network

Access to area hospitals within Stark, Summit, Tuscarawas, Carroll and Wayne counties and physicians associated with these facilities.
Hospitals include*:
- Aultman Hospital
- Aultman Alliance Community Hospital
- Cleveland Clinic Union Hospital
- Cleveland Clinic Mercy Hospital
- Cleveland Clinic Akron General Medical Center
- Akron Children’s Hospital
- Wooster Community Hospital
- Trinity Hospital Twin City
- Aultman Orrville Hospital
High-quality care at a lower price
Less expensive than the Traditional Network

* This is not a comprehensive list. All Cleveland Clinic locations in Ohio are in-network. Additionally, all University Hospital locations in the state of Ohio are in-network.

Where Can I Purchase Individual Health Plans?

There are differences to purchasing your AultCare health insurance on or off the Marketplace...

On the Marketplace:

Available in Stark, Carroll, Tuscarawas, and Wayne counties
Eligible for a tax credit* and cost-share reduction** plans
Receive a 1095-A form from the government during tax time

Off the Marketplace:

Broader area offered
Not eligible for tax credit* or cost-share reduction**
Receive a 1095-A form from AultCare during tax time
Lower-cost plan options may be available

*Advanced Premium Tax Credit (APTC)- A tax credit based on income estimates and household size. It can be used to help lower your monthly premium payments. The credit can be applied to any plan on the Marketplace. ** Cost-Share Reduction (CSR) - A discount often referred to as “extra savings” that lowers your deductible, copayments and coinsurance. These discounts are can only be applied to Silver plan designs on the Marketplace.

Metal-Level Plans Offered:

AultCare offers several plan options to meet your needs. All plans cover essential health benefits, including both Medical and Pharmacy benefits.

Gold Plan

Have higher premiums
Lower out-of-pocket costs
Co-payments

Silver Plan

Lower premiums than Gold
Higher out-of-pocket costs than Gold
Co-payments
Cost-share reduction savings available for Silver Plans on the Marketplace

Bronze Plan

Lowest premium offered
Highest out-of-pocket costs
Co-payments

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What Other Information Impacts the Selection of a Health Plan?

When Can I Purchase Health Insurance?

Individual Health Insurance can be purchased during the Annual Open Enrollment period (November 1 to January 15). If you have a qualifying life event, you are eligible for a special enrollment period outside of the Annual Open Enrollment. You must sign up within 60 days of the qualifying life event. Qualifying life events are changes in your situation – such as getting married, having a baby, or losing group health coverage (healthcare.gov). Download the Healthcare.gov checklist.

Qualifying life events include:

Changes in household (marriage, divorce, new child, death)
Changes in residence
Loss of group health insurance (losing existing coverage or losing eligibility)
Other qualifying events (becoming a U.S. citizen, leaving incarceration, etc.)

Please note, this is a small list of qualifying life event examples. Certain circumstances do not apply. You can learn more or view a full list of qualifying life events here.

What is a 1095-A Form?

A 1095-A form includes information about a Marketplace plan you had in the past year. You may be eligible for a tax credit to help offset the costs of health coverage for those who qualify. A 1095-A form will provide information needed to claim the tax credit. You can learn more about the 1095-A form here.

If your household income is greater than 138 percent of the federal poverty level (FPL) you may be eligible for the Advanced Premium Tax Credit (APTC) to help pay for health insurance through the Marketplace. If your income is between 138 and 250 percent of the FPL, you may also be eligible for additional cost-sharing reductions to help lower your out-of-pocket expenses. Household incomes below 138 percent of the FPL may be eligible for Medicaid or other types of coverage.

Download a Glossary of Medical Terms