Medical Mutual is the oldest and largest health insurance company headquartered in Ohio. As a mutual company, they operate for the benefit of their members rather than stockholders, which often translates to stable premiums and a deep commitment to the Ohio communities they serve. For 2026, Medical Mutual continues to offer one of the most reliable networks in the state, featuring four distinct HMO network options (MedFlex, MedKey, OhioMed, and Northern Ohio HMO) to give clients tailored access to top local hospitals and physicians.

Medical Mutual: Ohio’s Own Health Insurance Company Partnering with Medical Mutual through Aspire Benefits connects you with a carrier that understands the local landscape—from Cleveland to Cincinnati and everywhere in between.

We help you leverage Medical Mutual’s strengths to grow your business, including:

• MedMutual WELL™ Rewards: Members can earn up to $100 in rewards (often via e-gift cards) for completing basic wellness activities, such as a health assessment, a biometric screening, and a preventive care visit.

• $0 On-Demand Telehealth: Most plans offer $0 copays for 24/7 virtual urgent care through the Cleveland Clinic Express Care® Online or other partner platforms, providing immediate relief for non-emergencies.

• $0 Preventive Generic Drugs: Medical Mutual goes beyond standard ACA requirements by offering $0 copays for select preventive generic medications on many plan designs, helping clients manage chronic conditions without financial strain.

• HSA-Compatible Options: For 2026, Medical Mutual has expanded its portfolio of High-Deductible Health Plans (HDHPs) that can be paired with a Health Savings Account (HSA), allowing clients to use pre-tax dollars for medical expenses.

• Local Provider Strength: Their networks include heavyweights like the Cleveland Clinic, University Hospitals, OhioHealth, and Mercy Health, ensuring your clients never have to travel far for world-class care.

The Aspire Benefits Advantage: At Aspire Benefits, we’ve been helping agents grow their businesses since 2009. Based in Columbus, Ohio, as a privately owned and operated FMO/General Agent, we provide individual insurance carrier contracts for ACA and Medicare plans.

We pride ourselves on being your partner, not your competitor.

That means:

• We do not sell retail business or advertise directly to consumers.

• We will never target your clients through Google, Facebook, radio, or TV.

• Your clients’ data is safe with us, always.

• We will never submit an appointment request on your behalf without your permission.

At Aspire Benefits, we believe in doing business the old-fashioned way; answering the phone, responding promptly to emails, and resolving issues quickly. Our commitment is simple: we act in your best interest and succeed when you succeed.

Medical Mutual offers ACA products in OH