Compare the guaranteed lowest allowable rates for your Pennsylvania health insurance plan coverage and enroll in 20 minutes. Pa  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 a plan that does not receive a federal subsidy. If Obamacare is replaced by President Trump, additional options will become available.

Senior Medigap plans are also offered 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. Part D prescription drug coverage is also offered to persons that havereached age 65. Regardless if an applicant resides in Pittsburgh, Altoona, Harrisburg, Scranton, Philadelphia, or any other city, several policy options are always available.


All Pa Residents Eligible

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, both an and off the Marketplace. Non-Obamacare plans are also available. Legislation often changes, and you can always view the most recent policy details and rates here. When the Trump Administration completes the partial (or total) replacement of Obamacare and the Affordable Care Act, your options will be updated.

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. Many additional plans are offered to small and large employers that provide their employees with medical benefits.


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 Keystone State plans are available 24/7 on our website. If you qualify for a "Special Enrollment Period" exception, you can obtain subsidized or traditional coverage at any time throughout the year.

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 help you purchase the policy that best stays within your price range. A special business SHOP Exchange is available at any time, and is not subject to Open Enrollment periods.Both comprehensive and high-deductible options are offered.

Medical coverage is much less costly than most other states. Currently, our own state has the 10th lowest rates in the US, according to an Administration study that was recently released. One of the primary reasons (as previously stated) is the availability of instant tax credits that immediately lower policy premiums. You may also qualify for Medicaid if your monthly income (single person) is below $1,367. The limit for a family of two is $1,843, and a family of four is $2,795. You can also apply for Marketplace plans at these income levels, but no federal subsidy will be offered.

 Open Enrollment for Pa healthcare is here. Get your Obamacare medical coverage and let a subsidy help you pay premiums.


Affordable Healthcare Plans Are Available In All Parts Of Pennsylvania

There are many policies that will fit in your budget, and we provide all of the free research and comparisons. These plans will be available when you need them, and contain the benefits that you are most likely to utilize. National healthcare reform in the last five years has changed many coverages, and we review how they affect you, and what benefits you now will receive.

For example, 10 "essential" benefits are included on all non short-term policies. Maternity, ER, office visits, prescriptions, and pediatric dental are the most common required benefits on qualified plans. However, it is possible that several of these benefits will no longer be required in 2018 or 2019, providing more low-cost customized plans.

Each year, new plans become available that often feature very attractive prices. You can keep an existing plan, or choose to enroll in a new policy. Several popular low-cost options that are offered both on and off the Marketplace include:

UPMC Advantage Bronze $6,950/$35

UPMC Advantage Silver $3,500/$30

Highmark my Connect Blue EPO 1750S

Highmark my Connect Blue EPO 2500S

Highmark my Connect Blue EPO 6500B

Highmark Alliance Flex Blue PPO 2300

Independence Blue Cross Personal Choice PPO Silver

Independence Blue Cross Personal Choice PPO Bronze Classic

Independence Blue Cross Personal Choice PPO Bronze Reserve

Geisinger Marketplace HMO 30/60/3500

Geisinger Marketplace Value

Capital BlueCross Advantage Silver PPO 4500/0/10

First Priority Health my Priority Blue Flex HMO 6800B

First Priority Health my Priority Blue Flex HMO 2500S


Companies Must Be Licensed, Registered And Approved

Any Agency or individual that offers Pennsylvania plans must be licensed by the Department Of Insurance. Carriers that do business in the Keystone State must register and maintain a license. Any changes in premiums must be approved by the DOI and no broker or agency can offer you a “special price.” You will always be quoted the lowest possible rate on this website. There are never any costs or fees for utilizing our resources and we maintain very tight security. Financial information is never requested.

If you meet specific income requirements, up to 100% of your premium can be paid by the government. If you are uninsurable, you will not be denied benefits. When you apply for a policy, the only medical-related question required is whether you are a smoker or non-smoker. Your zip code and/or county of residence will impact the cost of coverage. And of course, your age and type of plan applied for, will also affect the rate.


Senior Medigap health insurance quotes from top-rated companies. Instantly compare Supplement and Advantage plans in Pa.


Pa Senior Medigap Coverage - Compare Options On Our Website

If you have reached age 65, you are probably Medicare-eligible. And although original Medicare provides comprehensive benefits and covers most expenses, gaps still require you to pay many out-of-pocket medical costs. A Medigap plan (Supplement or Advantage) can help pay many of these expenses, which include deductibles, coinsurance, copays, and prescriptions.

To qualify for a plan, you must be enrolled in both Parts A and B. You also can not have both an Advantage and Supplement plan in-force at the same time. Part D prescription drug coverage can be purchased separately, although sometimes it is included in Advantage contracts. Also, your Part B premium is paid directly to Medicare. Unlike under-65 policies, each individual applies separately for their own plan. Therefore, two different policies may be purchased from two separate carriers. And for example, one spouse may enroll in Plan A, while the other spouse selects Plan F.

Carriers that offer Medicare Supplement plans in Pennsylvania include Aetna, AARP, American Republic, Avalon, Central States, Colonial Penn, Companion Life, Continental General, Equitable, Geisinger, Gerber, Globe, Highmark BCBS, Humana, Independence Blue Cross, Liberty National Life, Loyal American, Manhattan Life, Oxford Life, Philadelphia American, Physicians Mutual, Royal Neighbors of America, State Farm, Sterling Life, Thrivent, Transamerica, United American, United of Omaha, UPMC, USAA, and World.

Medicare Advantage plans are also available. Private carriers contract with Medicare to offer Parts A and B coverage. Prescription drug benefits are also offered with many policies. Shown below are several plan options that received the "Highest Overall Rating" designation from US News & World Report. It is important however, to consider and compare all available options before enrolling. Also, many plans are are only offered in specific counties, and not all Advantage plans include prescription benefits.

Community Blue Medicare HMO Signature, Freedom Blue PPO, Geisinger Gold Classic, UnitedHealthcare Assisted Living, Advantra Silver, Aetna Medicare Standard, HumanaChoice, SeniorBlue, Gateway Health Medicare Assured, AARP Medicare Complete, Keystone 65, Personal Choice 65, Cigna HealthSpring Preferred, Health Partners, Security Blue HMO, and UPMC For Life HMO,



Any broker or agent can show you a health insurance plan. But shopping and researching Pennsylvania is our specialty, and we make certain that you receive the highest quality coverage at the lowest available rates. No “discount” or “limited benefit” policies are ever be used, and we carefully review every page of each policy to make sure there are no "hidden" surprises.

Please  contact us any time for additional information regarding your personal, Marketplace, or Medigap coverage. We find the best plan for your specific situation and thoroughly explain all of your policy benefits. You can compare and review rates 24/7 on our website.