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Compare the guaranteed lowest allowable rates for your Pennsylvania health insurance plan coverage, and enroll in 20 minutes. Pa Obamacare policies are available through the Exchange with pre-existing conditions covered. You also can not be denied for medical reasons, and a government tax credit will help you pay for the policy. You can also choose plans that are not subsidized.

Senior Medigap plans are also available, and can be reviewed. Medicare Supplement and Advantage contracts may be able to reduce your copays, deductibles, coinsurance, and certain out-of-pocket expenses not covered by original Medicare. If you have reached age 65, you may also be eligible for Part D prescription drug benefits.

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 healthcare coverage in Pennsylvania both on and off the Marketplace. You can also choose non-Obamacare plans.

You can quickly view plans from the best providers, such as Blue Cross Blue Shield, IBX, Highmark, AARP, UPMC, Keystone, Aetna (Coventry), UnitedHealthcare, Capital Blue Cross, Geisinger, and Cigna. And for example, if Keystone Plan East or Highmark introduce a new plan, you can apply for coverage online, or by fax/email. During Open Enrollment periods, the process is especially quick.

Online Quotes And Rates Are Available 24/7

Your online Pa health insurance quotes are provided by an Agency/broker with more than 37 years of experience. In less than three minutes, you can view the most popular  healthcare plans. Your service is provided by a live person and not an automated website. Inexpensive Pa plans are available 24/7 on our website. 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 most of the major ones so you won't be caught off guard when you notice them.

This Federally-Facilitated Marketplace (FFM) allows you to purchase low-cost plans at affordable prices through our website. Our assistance is always free and advice is unbiased. And for consumers that choose NOT to participate in the Exchange, there are many options for "Off-Marketplace" plans that have large networks and premiums that fit within your budget. Open Enrollment began on November 1st for 2017 coverage.

2017 Non-Compliance Penalty

For 2017, the penalty for not securing qualified coverage is $695 per adult ($2,085 maximum) or 2.5% of total household income, whichever is higher. However, you are exempt from the penalty if your household income is lower than the federal income tax return filing threshold. Generally, this is approximately $10,400 for a single return, and $20,800 for a joint return. You can also bypass the penalty if you are not a US citizen, you are incarcerated, or your gap in lapsed coverage is less than three months.

Medicare sign-up is not affected since the Exchange offers plans to persons under the age of 65. Seniors that have reached age 65, have a different Open Enrollment period (October 15th-December 7th). Medicare Supplement and Advantage plans are popular Medigap options that can help pay for many expenses that are not covered. Part D prescription drug plans are also offered to Seniors.

Companies

Several new companies began offering policies in Pennsylvania for 2016 and 2017 effective dates. UnitedHealthcare (UHC), one of the nation's largest providers, began offering plans in the Philadelphia and Pittsburgh areas. UHC, who only sold policies (subsidized) in four states a few years ago, is present in several states. One of their cheapest policies is a Bronze-tier contract with a $7,150 deductible, which is the highest-allowed deductible option.

Aetna, however, has exited the Keystone State for individual coverage, but will offer off-Exchange and Group plans. Other carriers offering either individual (on or off Marketplace) or Group plans include Capital Blue Cross, Independence Blue Cross, Geisinger, UPMC, Highmark, Federated Mutual, First Priority Life, Freedom Life, Keystone Health Plan Central, and National Foundation Life.

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, and thus, avoiding the non-compliance tax would not be possible.

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. Also, since they are "non-compliant," unlimited benefits are not included, and you will likely have to pay the "shared responsibility payment," for not enrolling for qualified coverage.

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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Find free Pennsylvania health insurance quotes so you can compare the most affordable Pa plans.  But there are hundreds of websites that will provide rates. What's so special about our website? We have more than 35 years of experience helping customers, and we understand that shopping for Under age 65 or Senior coverage in or outside of the Marketplace is very challenging and time-consuming.

Regardless if you need personal, group, child, Medigap, or family benefits, our professionals can help. It's important to be able to understand the actual benefits you are viewing, and ensure only trusted companies are compared.

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. If you are Medicaid or Medicare-eligible, you can view the most affordable plans in your area.

We don't just educate you about Pa healthcare policies. We also do the shopping for you so you can spend less time trying to compare side by side 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 is 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  Pennsylvania companies offer a large selection of personal policies to meet the ever-changing needs of consumers both on and off the Marketplace. Whether you’re not working, self-employed, an early retiree, or uninsured, we will find the right  health insurance for you. When purchasing the new "Exchange" plans, there are several new options.

Typically in Pennsylvania, United Healthcare, Coventry, UPMC, Aetna, Blue Cross Blue Shield, Highmark, Keystone, Capital BlueCross, Geisinger and Independence Blue Cross have the most competitive rates. Most individual  policies are not medically underwritten, so pre-existing  conditions are covered and do not increase your premium.

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