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Finding low-cost healthcare in 2018 is the goal of most residents here in Pennsylvania. Obamacare, also known as the "Affordable Care Act," became law in the Keystone State and the rest of the US in 2010. On June 28, 2012, the legislation was upheld by the Supreme Court. Yet, it still remains unpopular and expensive for many Pa residents. Premiums have not reduced, and actually continue to increase at a faster pace than before the legislation was passed.

There are several alternatives to Obamacare health insurance plans that are available for consumers. We have reviewed these options so you can determine which plans (if any) make financial sense. If you miss Open Enrollment and do not qualify for an SEP (Special Enrollment Period), choosing one of these alternatives may become a necessity.

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Health insurance rates in Pennsylvania have declined for many persons. The combination of fewer submitted claims, the federal subsidy, and increased availability of low-cost plans has created many affordable policies that can be easily purchased. Regardless if you qualify for a Marketplace federal subsidy, or your household income is too high to qualify, you can easily and quickly view quality medical coverage that is budget-friendly.

If you did not purchase coverage through Open Enrollment, you still may qualify for a "Special Enrollment Period," that allows you to receive for a federal subsidy. You can also obtain benefits without using any federal help. NOTE: The SEP is not available for Medigap or Medicare Advantage plans. Senior plans have a separate OE period.

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Our official guide to understanding Obamacare and Pa health insurance helps you shop and compare the best policies, find the best prices, and purchase the plan that's the right fit for you. Although Pennsylvania healthcare reform and federal tax subsidy changes each year make the "Exchange" process a bit more confusing, we're confident you will save money. Your enrollment will also be quick and easy.

What Changed?

A lot of things changed, so we'll summarize them. Perhaps the most significant change is that applicants are no longer declined because of a single or combination of medical conditions. Whether it is heart disease, degenerative back issues, diabetes, obesity, or any type of cancer, you will be able to purchase health insurance in Pennsylvania.

 

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Senior Medigap plans in Pennsylvania help you pay for many of the costs that Medicare does not cover, including deductibles, coinsurance, copays and other out-of-pocket expenses. We show you 2018 Supplement rates from the top insurance companies so you can make an informed decision whether you wish to purchase a plan. Of course, your online quote is always free when your provide your zip code above. Pa Advantage contracts and Part D prescription drug plans are also available.

Some Basic Facts:

To be eligible for a Pa supplemental plan, you must be enrolled in Part A AND B. However, if you have already signed up for Part A, but not Part B, form CMS 40-B should be completed.

You can only purchase a plan from an insurer that is licensed in Pennsylvania. The Pa Department of Insurance makes the final determination. You can also view ratings and other financial data about each carrier. Network provider information is also provided.

There are state and federal laws that must be followed on every plan. Occasionally, legislative changes are introduced that could impact the price of your plan, benefits, and eligibility.

The premium you pay for your gap coverage is separate from the amount you are charged for the Part B benefits. It also is optional and not required.

You can not be terminated from your current policy because you developed a medical condition or submitted too many claims. You can also keep the plan, unless it is not offered in your service area, or the company no longer conducts business.

 

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If you're lucky, you have never been in a Pennsylvania hospital, with the possible exception of when you were born. But if you're like most  residents, you probably have been a patient at least a few times. Maybe having your tonsils removed or perhaps having a minor surgery. It's not fun, but hospitals save lives and we are very fortunate to have some of the best ones here in Pa.

We have listed (alphabetically) the seven top hospitals in Pennsylvania. We performed our own research, taking into consideration, patient satisfaction, survival rates, costs, community availability and network coverage by health insurance companies. And, of course, there are hundreds of choices that didn't make the list, although they are great facilities. 

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Quality medical insurance typically means you're going to pay a high premium. But you can find inexpensive Pennsylvania medical coverage policies that are budget-friendly and actually pay for the items you expect to be covered. Many Pa plans  may surprise you with their low premium. We are highlighting five low cost policies that are provided by major companies, and also are very easy on your budget. Comprehensive office visit, prescription drug, hospitalization, and major medical benefits are included.
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