Cheap Pennsylvania health insurance plans are offered by many of the large health insurance companies. Low cost coverage is often provided through UnitedHealthcare, Aetna, HealthAmerica, Highmark, Celtic, Geisinger, Capital Blue Cross and Keystone. Many of these cheap policies offer coverages that are often found in other comprehensive and more expensive plans.

Five of the most popular low cost Pennsylvania health insurance plans are:

UnitedHealthOne “Saver 80” plan: UHC’s least expensive plan features unlimited lifetime catastrophic coverage for each insured in the family. Although office visits are not covered, there is some nominal coverage for prescriptions. Premiums are indeed cheap…easily one of the lowest-cost Pennsylvania health insurance plans. Deductible options range from $500 to $10,000. Preventive care is covered at 100%. Dental and vision discounts are included. The most popular deductible options are $2,500 and $5,000.

Aetna “Preventive & Hospital Care” plan: A cheap catastrophic plan that offers a $3,000  deductible option. The $1 million per insured lifetime benefit has recently been increased to "unlimited." Covered preventive benefits are NOT subject to a deductible, which is a major plus for this type of plan. Aetna Pennsylvania health insurance rates are always quite competitive. Issue dates are on the 1st and 15th of the month. Like most low cost plans, prescription coverage is very limited. Thispolicy is a great starter plan if you are currently uninsured.

HeathAmerica's "Rewards" 5000 plan: A fairly popular policy for insureds that want a high deductible ($5,000) but still want decent benefits after the deductible has been met. And that's what this policy provides. A $40 copay for office visits ($60 for specialists) is provided after the deductible. Generic AND brand RX benefits are included with $15 and $50 copays.

Celtic “Basic” plan: Based in Chicago, Celtic Insurance Company’s low-cost “Basic” plan allows two office visits per person (subject to $30 copay). Adult and children preventive benefits are covered with no waiting period. Prescription benefits cover generic drugs, preferred brand drugs and brand drugs with a generic substitute. However, a $1,000 deductible applies to the RX coverage. The lifetime maximum of $5 million has also been raised to "unlimited."

Highmark Blue Cross Blue Shield “PPO Blue” plan: A deductible applies on most coverage except preventative benefits. But once the deductible has been met, most benefits are payable at 90%, including office visits, diagnostic services, prescriptions, inpatient hospital services and emergency care. Immunizations, routine annual physical exams, pap smears and mammographic screenings are not subject to the deductible. Individual deductible options range from $1,200 to $3,500 and lifetime benefits are unlimited. This plan, however, is only available to residents of the 29 counties of Western Pennsylvania.

See? We told you inexpensive Pennsylvania health insurance plans are indeed available. Request a quote for additional information.

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