We compare the guaranteed lowest allowable rates for your Pennsylvania health insurance plan. Now that Pa Obamacare plans are available through the Exchange with pre-existing conditions covered, you can no longer be denied and a government tax credit will help you pay for the policy.  Whether you are working for yourself, working for an employer, uninsured, self-employed, a single person, or a family, our website allows you to research, compare and apply for quality individual health care coverage in Pennsylvania.

You'll be able to quickly view plans from the best providers, such as Blue Cross Blue Shield, IBX, Highmark, AARP, UPMC, Keystone, Aetna, UnitedHealthOne, Capital Blue Cross, Geisinger, and HealthAmerica. And for example, if Keystone Plan East or Highmark introduce a new plan, you'll be able to immediately apply for it online or by fax/email. During Open Enrollment periods, the process will be especially quick.

Your online Pa health insurance quotes are provided by an Agency/broker with more than 32 years of experience. In less than three minutes, you can view the most popular  healthcare plans. Your service is provided by a live person…not an automated website. Inexpensive Pa plans are available…and we’ll make sure you can see them. PPOs, HMO, HSAs and all comprehensive and catastrophic plans are presented in an easy-to-understand format. If you are a small business owner or your employer does not offer health insurance, we'll help you purchase the policy that best stays within your price range.

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The Pa Health Insurance Marketplace offers affordable Exchange medical plans and generous tax subsidies. Many Pennsylvania consumers now pay less for their coverage than before the Affordable Care Act (ACA) was created. But there are still a few surprises along the way. We highlighted six of the major ones so you won't be caught off guard when you notice them.

The Federally-Facilitated Marketplace (FFM) will allow you to purchase low-cost plans at affordable prices through our website. Our assistance is always free. Open Enrollment begins on November 15th for policies that are effective for 2015. After February 15th (2015), a special "qualifying life event" will be needed to purchase a subsidized plan.

For 2015, the penalty for not securing qualified coverage is $325 per adult ($975 maximum) or 2% of total household income, whichever is higher. Medicare sign-up is not affected since the Exchange offers plans to persons under the age of 65.

Several new companies will offer policies in Pennsylvania for 2015 effective dates. UnitedHealthcare (UHC), one of the nation's largest providers, will offer plans in the Philadelphia and Pittsburgh areas. UHC, who obly offered policies in four states last year, will be present in more than 20 states for 2015.

I Missed Pa Open Enrollment! Now What?

Unless you qualify for a special "lifetime event," you will not be able to utilize federal subsidies or Exchange options until the next Open Enrollment. However, there are many qualifying events, such as having a baby, losing your employer-provided or private-provided coverage, moving to Pennsylvania from another state, and  a divorce. Of course, there are numerous other situations that also qualify for an exception.

For persons that simply forgot to apply for coverage or don't qualify for a special event, there are several low-cost policies that can be purchased, and often quickly approved. However, it is possible they will not contain all of the mandatory benefits that the new ACA legislation requires.

Short-term plans are very cheap and can be approved within 24 hours. These plans can be purchased any time of the year. UnitedHealthcare is one of many reputable companies that offer this type of plan. You can purchase a policy directly through our website at the lowest offered cost. However, they are not designed to cover a condition that you are presently being treated for.

Young Healthy Persons Are Needed

Under the Affordable Care Act legislation (Obamacare), everybody is eligible for coverage, regardless if you are in impeccable health or have life-threatening medical conditions that cost hundreds of thousands of dollars per year. It doesn't matter anymore since all plans are "guaranteed approval" with no underwriting (except for smoking).

However, since millions of additional claim dollars will be paid by Pennsylvania health insurance companies (compared to previous years), in order for the system to work, additional healthy persons, that file very few claims, will have to be added. Young adults, although their premiums are not high, are becoming a big target for carriers.

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You would like a free Pennsylvania health insurance quote. But there are hundreds of websites that will give you the rates. What's so special about our website? We have more than 30 years of experience in the business and we understand that shopping for coverage in or outside of the Marketplace is very challenging and time-consuming. Regardless if you need personal, group, child or family benefits, our professionals can help.

If buying a policy through Pa Open Enrollment, you can choose from multiple Exchange options that do not require you to answer any health-related questions. You may also be able to qualify for a large federal tax subsidy that can save thousands of dollars per year. We can assist you in determining how large your credit is and the best type of policy you should purchase

We don't just educate you about Pa health care policies, but we do the shopping for you so you can spend less time trying to compare hundreds of different options. In just a few minutes, you can actually buy your policy online. And there are many other reasons to use our free help:

Low rates are very important, but there are other factors to consider. Your coverage must match your particular needs. It’s easy to find the Pennsylvania plan with the lowest premium. The hard part is finding the plan that costs you the least. And that’s our specialty. We want you to be able to use the benefits you pay for, but also not pay for coverage you don't need. For example, if you don't travel overseas, you don't need international coverage. If there are no children in your household, well-baby visits are no longer needed.

We are not an online “call center” that simply quotes a Pennsylvania policy and leaves all future servicing to you. As your personal statewide broker, we offer our expertise at no charge any time you need it. And when your policy renews, we’ll review the rate to make sure it is still your best option. Whether you need help with a claim, billing, or making changes to your policy, we'll be available.

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Pa individual health insurance plans are available at very affordable rates. Most large  companies offer a large selection of personal policies to meet the ever-changing needs of consumers. Whether you’re not working, self-employed, an early retiree, or uninsured, we’ll find the right  health insurance for you. When purchasing the new "Exchange" plans, there are several new options.

Typically in Pennsylvania, United Healthcare, HealthAmerica, UPMC, Aetna, Blue Cross Blue Shield, Highmark, Keystone, Geisinger and Independence Blue Cross have the most competitive rates. Most individual  policies are medically underwritten, so pre-existing medical conditions can occasionally raise the premium. However, with most policies, these conditions will not cause a denial of coverage. However, in many areas, "guarantee issue" policies are available that will help persons with serious health conditions.

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