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Find free Pennsylvania health insurance quotes so you can compare the most affordable Pa plans.  But there are hundreds of websites that will provide rates. What's so special about our website? We have more than 35 years of experience helping customers, and we understand that shopping for Under age 65 or Senior coverage in or outside of the Marketplace is very challenging and time-consuming.

Regardless if you need personal, group, child, Medigap, or family benefits, our professionals can help. It's important to be able to understand the actual benefits you are viewing, and ensure only trusted companies are compared.

If buying a policy through Pa Open Enrollment, you can choose from multiple Exchange options that do not require you to answer any health-related questions. You may also be able to qualify for a large federal tax subsidy that can save thousands of dollars per year. We can assist you in determining how large your credit is and the best type of policy you should purchase. If you are Medicaid or Medicare-eligible, you can view the most affordable plans in your area.

Save time and money when buying health insurance in Pennsylvania. Let us compare, shop, and enroll for you now.

No, we can't send you free cash from your laptop, but we can provide expert and experienced advice that will save you money. We don't just educate you about Pa healthcare policies. We also do the shopping for you, so you can spend less time trying to compare side by side  hundreds of different options. In just a few minutes, you can actually buy your policy online. And there are many other reasons to use our free help:

Low rates are very important, but there are other factors to consider. Your coverage must match your particular needs. It is easy to find the Pennsylvania plan with the lowest premium. The hard part is finding the policy that costs you the least. And that’s our specialty. We want you to be able to use the benefits you pay for, but also not pay for coverage you don't need. For example, if you don't travel overseas, you don't need international coverage. If there are no children in your household, well-baby visits are no longer needed.

Customized Individual Assistance 

We are not an online “call center” that simply quotes a Pennsylvania policy and leaves all future servicing to you. As your personal statewide broker, we offer our expertise at no charge any time you need it. And when your policy renews, we’ll review the rate to make sure it is still your best option. Whether you need help with a claim, billing, or making changes to your policy, we'll be available. You can choose a Marketplace plan that is eligible for a subsidy, or an off-Exchange option that receives no federal assistance.

Only "A" rated companies are recommended by our website and we feel it is important that a health insurer pays claims on a timely basis. We also will not use "discounted limited benefit" policies that often have upfront application charges and high customer dissatisfaction. Quite simply, if a policy isn't good enough for us, it's not good enough for you either! The Pa DOI closely monitors ratings and the financial stability of carriers writing policies in the state.

Lowest Rates

The quotes you receive from us are the best rates offered by each company. Since prices are state-approved, no lower premium is available. And we never charge a fee for our services. While applying online is the quickest way to buy a policy, there are also other methods. And yes, you can purchase a customized plan that is researched and created just for you. If you need quick temporary coverage today, you can find it here.

During Open Enrollment periods (typically from November to February), Marketplace plan options are available. You can choose to utilize a federal subsidy (if you qualify), or simply compare options that do not use any Obamacare federal aid. Because of the complexity of determining which policy provides you with the best combination of premium and lowest out-of-pocket expenses, we customize your quotes to match your specific needs.

 

Save money with tax credits when applying for health insurance plans in Pennsylvania. The federal subsidy is actually an instant tax credit.

 

Instant Tax Credit Reduces Your Rate

This federal subsidy can potentially save you thousands of dollars per year, and easily tens of thousands of dollars during your lifetime. "Metal" policies along with "Essential Health Benefits" have replaced many older policies. Older "grandfathered" plans are slowly being eliminated. For example, older plans that excluded maternity and mental illness benefits, are now rarely renewed.

The process of calculating your top offers takes about two minutes (see very top of page for quote request) and quickly, you'll be able to compare rates from the best companies in the state, such as Aetna, UnitedHealthcare, Keystone, Highmark, Capital Blue Cross, UPMC, Geisinger, Coventry, and many more reputable carriers.

Medicare Supplement Plans In Pennsylvania

If you have reached age 65 and are enrolled in Medicare Part B, you are eligible to purchase a Medigap or Advantage plan. Although not required, often these types of policies can effectively lower your out-of-pocket costs for hospital confinements and other submitted claims. If you miss the six-month Open Enrollment Period (OEP), you may be able to apply for coverage, although the application will be medically-underwritten.

"Advantage" plan options are typically less expensive than Supplement plans, and often feature "$0" premiums. However, it is crucial to understand the differences in policies, and to properly verify that your providers are included in the company's network. These types of policies are issued by private carriers (instead of the federal government). They have a contractual agreement with Medicare to provide Parts A and B benefits. Often, dental, vision, hearing, and prescription coverage are included in the policy. Both HMO and PPO options are offered.