Pennsylvania health insurance plans for the self-employed are quite affordable. Starting your own business does not mean you have to take the risk of being uninsured. Self-employed Pennsylvanians have many options for buying high quality health care coverage.

Perhaps the most popular and cost-effective option is to purchase a Pennsylvania Health Savings Account (HSA). Although most self-employed Pennsylvania residents are not aware of HSAs, this type of coverage will reduce your premiums, and allow you to save for future medical expenses on a tax-free basis.

What is an HSA?

An HSA is an alternative to traditional health insurance. HSAs allow you to pay for current medical expenses, and potentially accumulate money in a tax-favored side fund. You own and control your money and decide how funds are invested. A catastrophic health insurance plan is created with the HSA. Although this plan will pay for preventative coverage, most other expenses are subject to a deductible.

How much does a Pennsylvania HSA cost?

Rates vary, depending upon your zip code, ages of family members and existing health conditions. For example, for a family of three (husband and wife ages 40 and one child) in the Pittsburgh area, and HSA would cost approximately $295 per month (United HealthCare HAS with Family $5500 deductible).

Other Pennsylvania Self-Employed options

Another option that will substantially reduce premiums is a “catastrophic only” policy. Coverages are limited to major medical items, but rates are generally hundreds of dollars less (per month) than a conventional comprehensive policy. 

As the premier resource for Pennsylvania self-employed health insurance, we’re committed to finding high quality health care at the lowest available rate allowed by the state. To view, compare and apply for coverage, please click on the “Get Instant Quote” button at the top of the page.