Cheap Pennsylvania health insurance is available, and offered by many of the most recognized companies. We shop and compare low-priced plans from all carriers (both on and off the Marketplace), so you can obtain high-quality coverage at budget-friendly prices.
Although these policies are not expensive, surprisingly, they contain many benefits that are commonly found in many high-priced plans. They are very economical and provide hundreds of dollars per month in savings. Instantly, you can get fast, free quotes and enroll online.
Affordable coverage is often provided through UnitedHealthcare, Aetna, Coventry, Highmark, UPMC, IBX, Geisinger, Capital Blue Cross, Blue Cross of Northeastern Pennsylvania (BCNEPA), and Keystone. We help you compare rates and benefits so you can apply for the most suitable policy. By viewing multiple options, you're more likely to pay less for your policy.
You may also be eligible for a substantial price reduction by utilizing the Marketplace federal tax subsidy. If you're not sure how much money you'll qualify for, simply ask us. Most Exchange enrollees qualify for financial help, and in many situations, it pays most or all of the premium. However, you are not obligated to enroll in an Exchange plan. "Off" Marketplace policies are offered that often have richer provider networks, and better out-of-state treatment options.
Cheapest Health Insurance Plans In Pa
There are many plans that are considered "cheap," especially if you qualify for an Obamacare federal subsidy. However, the policies listed below are will cost the least, with all other factors equal. As we noted, some of these plans are not available in all areas of the state.
Highmark Major Events Blue PPO 6600 (Community Blue) - Because it's categorized as a "catastrophic" tier plan, you must be under age 30 to enroll, unless you can show financial hardship or are exempt from the federal mandate. Also, Highmark offers this policy in the Western part of the state only. With a deductible of $6,600, it is designed to provide major medical benefits at the lowest possible premium.
Healthy Benefits Value HMO 6350 - Offered by Keystone Healthcare Central (Capital BlueCross), a $50 pcp copay is included. The deductible is $6,350.
UPMC Advantage Bronze $6,000/$25 - Available in Western counties or the UPMC "Partner Network". Often the least expensive Bronze-tier plan available to consumers, it has a $25 copay on pcp visits and a $15 copay for generic drugs. The $6,600 deductible is high, although many expenses (including preventive) avoid the deductible. You can get UPMC health insurance quite easily on our website.UnitedHealthcare Bronze Compass HSA 4900 - This HMO plan is HSA-eligible so you can pay for medical, dental, and vision expenses with tax-free dollars. The UHC Network is also statewide. The deductible is $4,900 with a maximum out-of-pocket cost of $6,450.
Aetna Bronze $15 Copay HMO Savings Plus - Popular in the Philadelphia area because of cost and large number of available providers in Southeastern Pa. $15 copay on pcp visits with a $5,000 deductible.
UnitedHealthcare Bronze Compass 5500 - Not HSA-eligible but offers copays ($35 and $75) on pcp and specialist visits.
Personal Choice Bronze Basic - Issued by Independence Blue Cross and popular in Southeastern Pa. $30 copay on pcp visits.
Aetna Bronze $20 Copay HMO - One of our favorites, this plan features a low $20 pcp copay and adds a $15 copay on generic drugs.
Highmark Flex Blue PPO 4000 (Community Blue) - $4,000 deductible with 40% coinsurance.
Coventry Deductible Only HSA Eligible - $6,300 deductible and no coinsurance.
UPMC Advantage Silver $1,750/$30 - Low $1,750 deductible with $30 copay on pcp visits. Specialist copay, however is $80.
Highmark Flex Blue PPO 2100 (Community Blue) - Low $2,100 deductible with $45 pcp copay.
Highmark Health Savings Blue PPO 1700 (Community Blue) - Lower $1,700 deductible than previous plan and HSA-eligible.
Geisinger Health Plan Marketplace POS 30/50/5000 - $5,000 deductible with relatively low $30 and $50 copays on office visits.
Highmark Health Savings Blue PPO (Community Blue) - $2,750 deductible with 20% coinsurance.
Highmark Shared Cost Blue 2650 (Community Blue) - $2,650 deductible with $40 and $60 copays on office visits.
UnitedHealthcare Silver Compass 5000 - $5,000 deductible but very low office visit copays of $20 and $40.
Geisinger Marketplace Extra 10/50/3000 - $3,000 deductible with low $10 copay for pcp visits.
Aetna Silver $10 Copay HMO Savings Plus - $3,750 deductible with $10 and $60 copays on office visits.
Keystone HMO Silver Proactive HMO - $0 Deductible (Really!) with $25 and $50 office visit copays. Available in Philadelphia area only.
See? We told you inexpensive Pennsylvania health insurance options are indeed available. Request your free online quote for additional information.
You can also email us by using the "contact us" link on the right hand side near the top of the page. We'll promptly reply to your request.
November 2013 - The new classification of plan options for 2014 are four "Metal" policies and a catastrophic choice. The cheapest selection would be either the catastrophic or "Bronze," which is the most affordable of the four Metal contracts. Although they have higher potential costs if you develop a chronic condition, they will help you maintain a low rate, especially if you qualify for a subsidy.
August 2014 - Companies have already filed their rate requests for 2015 and prices should be made public within the next six weeks. Catastrophic policies will again be the least expensive option on the Marketplace. However, you must be under age 30 or show financial hardship to qualify for this plan.
May 2015 - 2016 rates will slowly be released over the next few months. We expect a tremendous variance, with some carriers requesting moderate increases (3%-7%), while others may seek to raise prices by as much as 20% on selected plans. It is also very important to adjust your federal subsidy if there has been a substantial change in household income. Otherwise, a large federal income tax bill may be waiting for you in 2017. Or, a much larger refund than you anticipated.
June 2015 - The Pa DOI has received 2016 rate requests from all companies. Time (Assurant) is requesting a 60% increase in some of its policies, while Geisinger is requesting a 40%-58% hike on some (not all) of its individual plans. Their small group options are going up less. Highmark is seeking a 38% increase on Comprehensive Care policies while First Priority Life (BC of Northeastern Pa) has proposed a 27% increase on many myBlue Choice contracts.