Affordable low cost Pennsylvania family health insurance plans are offered by many major carriers such as United Healthcare, Aetna, Independence Blue Cross, Keystone, Highmark Blue Cross Blue Shield, Capital Bluee Cross, Geisinger, Celtic and HealthAmerica. Family plans typically feature comprehensive benefits such as copays on covered office visits and prescriptions,  preventative and wellness coverage, and unlimited lifetime limits on catastrophic claims. These policies are specifically designed for families with children.

Some of the most popular, yet competitively priced Pennsylvania family health insurance plans are Aetna’s PPO 5000 and 2500 plans, United HealthCare’s Copy Select plan and the Highmark Blue Cross Blue Shield DirectBlue plan.

Aetna’s PPO 2500 plan features a $30 copay for covered office visits ($40 for specialists). Generic prescriptions are subject to a $15 copay while copays on non-generic prescriptions are subject to higher copays ($35-$50) and a $500 deductible. Unlike many stripped-down Pennsylvania plans, there is no limit to the number of covered office visits. And specialist visits are covered.

This Aetna family health plan includes comprehensive preventative coverages that are not subject to policy deductibles. The lifetime maximum per insured is unlimited and the major medical deductible is $2500 (office visits and prescriptions are not subject to the deductible). A PPO 5000 plan is also available with significantly lower premiums. Copays and deductibles, however, are higher. This plan is very popular for families that would like to reduce premiums but still maintain a copay on most items. A "Value" plan is also available that features lower rates but also limits the number of covered office visits (per person).

United HealthCare’s Copay policies are the most comprehensive family Pennsylvania health plans in their portfolio. There is no limit on the number of covered office visits ($35 copay) and prescription coverage is very good ($15 generic copay and higher copays on non-generic). United HealthCare offers dozens of riders including enhanced accidental death benefits. A "reducing deductible" feature slowly lowers the deductible after the first year if the deductible is not met.

Lifetime maximums are unlimited and rates seem to be more competitive in Eastern Pennsylvania. Preventative coverage is very comprehensive and not subject to any waiting period or deductible.

The Pennsylvania Highmark Blue Blue Shield DirectBlue plan (available in the 29 Western Pa counties) features preventive benefits (routine physical, mammogram, gynecological exam, pap test and pediatric immunization) that are also not subject to a deductible or waiting period. Most other coverages are paid at 90% after the selected deductible has been met. Some of these coverages include office visits, hospital facility expenses (including maternity), medical/surgical expenses and diagnostic services. The lifetime maximum is unlimited. The Highmark AdvancedBlue plan does not require a deductible to be met for most office visits.

HealthAmerica's Copay and Choice1 PPO plans have become much more popular in the last three years. Rates are very atractive in most parts of the state and their $1,250 deductible optionis a great "buy."

These Aetna, United HealthCare, HealthAmerica and Highmark Blue Cross Blue Shield policies are just three examples of hundreds of available Pennsylvania family health insurance plans. If you would like to compare or apply for the highest quality plans in Pa, please use the "Quote" area at the top of this page. Your rates are mandated by the state, so the premium will be the lowest allowable by each insurer.

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