Pa individual health insurance plans are available at very affordable rates. Most major Pa health insurance companies offer a large selection of individual policies to meet the ever-changing needs of consumers. Whether you’re between jobs, self-employed, an early retiree, or uninsured, we’ll find the right Pa health insurance for you. The rates you view on this website are the lowest published rates offered by each company. We never charge any fees for our service and we represent you...not an insurance company.
Typically in Pennsylvania, United Healthcare, HealthAmerica, Aetna, Blue Cross Blue Shield, Highmark, Keystone, Geisinger and Independence Blue Cross have the most competitive rates. Most individual health insurance policies are medically underwritten, so pre-existing medical conditions can occasionally raise the premium. However, with most policies, these conditions will not cause a denial of coverage. However, in many areas, "gurantee issue" policies are available that will help persons with serious health conditions.
Health reform changes will eliminate the practice of denial in 2014. However, a likely result is substantially higher premiums. If your household income is below $88,000 per year, tax credits may help you pay the premium. Also looming is a possible Supreme Court decision that could reverse and/or repeal Obamacare. Later in 2012, a ruling will be issued that will decide the fate of much of the recent health care reform.
The three types of Pa individual health insurance are “Catastrophic,” “Comprehensive,” and “Health Savings Accounts (HSAs).”
Catastrophic plans generally cover only the major medical expenses, and rates are usually very low. Sometimes referred to as a “High Deductible Health Plan,” out of pocket expenses tend to be higher, with limitations on office visits and prescription coverages. Individual and family catastrophic health plans provide preventive benefits that are not subject to a deductible or any other out of pocket costs. Once a policy is approved, you can immediately utilize these benefits.
Comprehensive plans offer office visit and prescription coverages, and tend to be the most expensive plans. But raising the deductible on the major medical items can keep the premium quite affordable. Some individual health insurance plans in Pennsylvania will offer a lower rate, by limiting the number of covered office visits. Another available option to reduce premiums is limiting the type of prescriptions that are covered. By excluding non-generic drugs, rates will reduce.
HSAs, a popular Pennsylvania individual health insurance plan, are most effective when major medical and preventative coverages are a priority. Rates are often quite low, and additional tax advantages help make the HSA an attractive option to consider. The amount of premium saved by purchasing the lower-premium higher-deductible policy can be deposited into an HSA account to pay for qualified medical expenses. You do not forfeit any of your deposited money if it is not used by the end of the year.
Pa individual health insurance quotes are available by using the Quote button at the top of this page. Only the highest quality Pennsylvania health insurance companies are considered. You can view, compare and even purchase Pennsylvania's best health insurance plans.