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Affordable low cost Pennsylvania family health insurance plans cover you, your spouse and dependents under one policy. Coverage is offered by many top-rated carriers such as United Healthcare, Aetna, Independence Blue Cross, Keystone, UPMC, Highmark Blue Cross Blue Shield, Capital Blue Cross, Geisinger, Celtic and HealthAmerica.

Family policies typically feature comprehensive benefits such as copays on covered office visits and prescriptions, preventative and wellness coverage, specialist and therapy sessions, and unlimited lifetime limits on catastrophic claims. These policies are specifically designed for households with children.

New for 2014 will be federal subsidy assistance that could substantially reduce prices on all available policies offered through the Pa State Health Exchange (Our website quoting system will show you the plans). Households that have income less than 400% of the Federal Poverty Level will qualify for help. This link provides specifoc FPL numbers and annual guidelines.

If you have current coverage, your policy may be "grandfathered," so that you don't have to apply for a new contract. Even though certain provisions of your coverage (perhaps lack of maternity benefits) are not included, you may be getting a better rate. We'll be happy to discuss your best choices.

Some of the most popular, yet competitively priced Pa family contracts are Aetna’s PPO 5000 and 2500 policies, United HealthCare’s Copy Select plan, Keystone HMO policies and the Highmark Blue Cross Blue Shield DirectBlue options. Geisinger also offers many innovative contracts if you live in the middle of the state near Harrisburg and Lancaster.

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. By raising the deductible to $5,000, the rate will drop considerably.

This Aetna family health plan includes comprehensive preventative coverages with no expenses to pay. 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.

Get the best medical coverage for kids and your family. We help you secure great prices from the top-rated companies.

A "Value" plan is also available that features lower rates but also limits the number of covered office visits (per person). Premiums are significantly lower and it's a very customizable method to obtain cheaper coverage. It's a great option for healthier consumers.

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 it is not met. And each year you don't it, UHC lowers the amount.

For these plans, rates seem to be more competitive in Eastern Pennsylvania. Preventative coverage is very comprehensive and not subject to any waiting period or deductible. You can use your policy just about anywhere in the US, and there's even some basic vision and dental benefits included. "Golden Rule" is sometimes the brand name you see on ID cards or advertising campaigns.

The  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 paid completely by the insurer. Most other coverages are paid at 90% after the selected deductible has been met. Some of these items include office visits, hospital facility expenses (including maternity), medical/surgical expenses and diagnostic services.

The Highmark AdvancedBlue policy does not require a deductible to be met for most office visits. Additionally, the RX out of pocket costs are only $8 or $40 (for brand name). This policy is suited for families that expect to have many office visit and specialist expenses.

UPMC Value contracts should also be considered in the Pittsburgh area. There are many participating doctors and hospitals and their price is very competitive. Although both UPMC and Highmark often wage battles in the local media, they are both very trustworthy companies.

HealthAmerica's Copay and Choice1 PPO plans have become much more popular in the last three years. Rates are very attractive in most parts of the state and their $1,250 deductible option is a great "buy." The $3,750 option should also be purchased.

These Aetna, United HealthCare, HealthAmerica and Highmark BC BS 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 options 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.

You can also call us at (888) 513 6446 and speak to a live person.