Pa individual health insurance plans are available at very affordable rates. Most major Pa health insurance companies offer a large selection of 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.

In Pa, United HealthCare, HealthAmerica, Aetna, Blue Cross, Celtic and Assurant have the most competitive rates. Pa 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.

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 often 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. Pa individual catastrophic health plans are offered by most companies.

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 Pa individual health insurance plans will offer a lower rate, by limiting the number of covered office visits. Another available option to reduce premiums is limited the type of prescriptions that are covered.