Cheap Pennsylvania health insurance plans are offered by many of the major health insurance companies. Although, perhaps “affordable” might be a better way to describe some of these low-cost Pennsylvania health plans. Blue Cross, Aetna, UnitedHealthOne and HealthAmerica are the carriers that offer the best options if you are searching for a low-cost cheap plan.

Five of the most popular “cheap” plans are:

UnitedHealthOne  “Saver 80” plan: UHC’s least expensive plan features $3 million of lifetime catastrophic coverage for each insured in the family. Although office visits are not covered, there is some nominal coverage for prescriptions and preventative care. Premiums are indeed cheap…easily one of the lowest-cost Pennsylvania health insurance plans.

Aetna  “Preventive & Hospital Care” plan: A cheap catastrophic plan that offers $3,000 and $1,250 deductible options. The $1 million per insured lifetime benefit is rather low compared to other Pennsylvania health insurance plans, but adequate for short-term and medium-term needs. Most 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.

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 allow $200 of coverage although there is a pesky 12-month 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 is $5 million.

UnitedHealthOne “Copay Saver” plan: With UHC’s recent rate reductions in Pennsylvania, this plan is not only cheap…but it includes some coverages you normally don’t find in less expensive plans. For example, two office visits are covered (subject to a $35 copay) along with a generic prescription copay of $15. Some adult and preventative coverage is included subject to a three-month waiting period. In many parts of Pennsylvania, “Copay Saver” rates are less than some catastrophic plans.

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 a generous $5 million. This plan is only available to residents of the 29 counties of Western Pennsylvania.

Cheap Pennsylvania health insurance plans are indeed available. To instantly view, compare or apply for coverage, simply click on the “Get Instant Quote” button at the top of the page. Your personal information is never shared with any other person or company.