Individual health insurance plans often cost much less than an employer-sponsored plan. Some of the reasons include: more selective underwriting, lack of maternity coverage (without a rider) and less medical risk with a single family. Also, Pennsylvania private health care generally is less expensive than medical care in many neighboring states such as New Jersey and New York. Individual plans often cost less than $100 per month, and many family plans are available for monthly rates between $250 and $400.

Pennsylvania health insurance plans also offer a wide variety of coverage options. Unlike some group options, you can easily obtain catastrophic, comprehensive or HSA coverages. In some counties, a few companies will have substantially lower premiums, so it’s important to use an experienced broker to help you find the best plan. For example, in parts of the central part of the state (Dauphin, Lebanon, Lancaster & Cumberland Counties), Geisinger may have much more competitive rates than other carriers. Yet a few counties in either direction, another company may be a better choice.

PaHealthinsurancecoverage.com is the premier resource for family and individual Pennsylvania health insurance plans. Instantly, you can view, compare, and if you wish, apply online for the most affordable high quality plans in the state. And since premiums are regulated by the Pennsylvania Department of Insurance, you will not find a lower rate anywhere! We’ll take the time to explain the difference between policies in terms that you’ll understand. We don’t want you to just take our word regarding which plan is best for you. It’s important that you understand why some plans are better than others and how it affects you.

Please click on the “Get Instant Quote” button at the top of the page to view your health insurance rates. If you need help (and you probably will!), call us at (888) 513 6446 or “contact us” through the link on the right side of the page.

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1. Individual Health Insurance Plans In Pennsylvania

We are the premier resource for affordable Pittsburgh health insurance coverage. The rates you view on this website are the lowest rates allowed by each carrier. There are never any fees for using our service and we’ll always take the time to find the plans that best meet your medical needs while keeping the rate within your budget. Applications can be taken online, via email and sometimes by phone. Accommodating you is a priority.

Catastrophic Plans

Saver 80 plan from UnitedHealthOne. Catastrophic plan is one of the least expensive plans in Pennsylvania. Major medical coverage with various deductible options.

Preventative And Hospital Care 3000 plan from Aetna. Catastrophic plan includes preventative coverage that is not subject to the deductible.

QHDHP 90% plan from HealthAmerica. Catastrophic coverage that can be used with an HSA. Many low cost deductible options including $3,750 and $1,250.

Semi-Comprehensive Plans

PPO Value plan from Aetna. Another low cost Pennsylvania plan that allows five office visits. Additional office visits are subject to a deductible. 100% preventative coverage and generic prescription benefits included. Very strong rates in the Pittsburgh area.

Comprehensive Low Cost Plans

Copay Select plan from UnitedHealthOne. Unlimited covered office visits subject to a $35 copay. Above-average prescription coverage is included along with 100% preventative benefits. Deductible options range from $1,000 to $10,000.

Copay 90% plan from HealthAmerica. Low copays on covered office visits along with 100% preventative coverage. Affordable rates in the Pittsburgh area.

PPO Copay plan from Aetna. Competitively priced in most areas, this policy always seems to be one of the more affordable options in this class. 100% preventative coverage and wide range of available deductibles. $5,000 option is the most popular.

Pittsburgh HSA rates are also very affordable compared to most other parts of the state. Highmark’s rates are extremely competitive for their “DirectBlue” plans, which are HSA-eligible. Preventive benefits are covered at 100% with no deductibles, copays or waiting periods. And the “negotiated repricing” reduces your out-of-pocket costs for expenses that are subject to a deductible. Please feel free to contact us for details.

The quotes you view from this website are free. If you have existing coverage and live in the Pittsburgh area, there’s a good chance you’ll save some money!

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