Assurant Pennsylvania health insurance plans are provided through Assurant’s parent company, Time Insurance. And although Time is a reliable and established company, I only occasionally recommend Assurant Pennsylvania health insurance coverage.  

An important consideration is Assurant’s Pennsylvania rates. In many parts of the state, their rates are quite high. For example, Assurant’s monthly rate for comprehensive coverage (husband/wife ages 45 with two children) is $751, compared to United HealthCare’s rate of $546 and Aetna’s rate of $606. Assurant’s “MaxPlan” was compared to similar policies from other companies.

Assurant’s Pennsylvania’s HSA insurance rates are also quite high. The monthly rate for a $5700 family deductible is $452. HealthAmerica’s rate for a $5000 deductible is only $368 and United HealthCare’s rate for a $5500 family deductible is only $365. Plan coverages were fairly similar.

Assurant also offers additional health insurance plans at reduced rates, including the “RightStart” and “CoreMed” plans. But coverages are greatly diminished and similar plans are also available from most of Pennsylvania’s other health companies.

An additional concern is Assurant’s (Time) “complaint ratio” with various Departments of Insurance. Ratios in some states are quite high compared to other major health insurance companies. In neighboring Oho, Assurant has experienced very high complaint ratios in recent years.

While considering Pennsylvania health plans, I always research all of the major companies. But in most situations, Assurant’s rates and coverages are not as competitive as other Pa carriers. When/if this changes, I will include Assurant’s most affordable options in my recommendations.

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