Ohio Individual Health Insurance Different types of managed-care family and individual HMO, PPO, and POS plans from the leading health insurance companies: Many of these plans feature the lowest levels of coinsurance and copays across all deductibles. There are preventive plans, short-term plans, those that cover catastrophic emergencies as well as office visits, and dental plans with optional vision benefits. Ohio HSA plans ensure tax-free savings that pay for medical and prescription costs and also set aside money in a health savings account.