Pennsylvania Health Insurance

Affordable Pennsylvania Health Insurance Quotes

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Cheap health insurance plans in Pennsylvania are available, and the quality of coverage, and benefits are excellent. Pa budget medical plans include required essential health benefits including maternity, office visits, prescriptions, emergency room and preventative coverage. All pre-existing conditions are covered without an extra surcharge, waiting period, or higher deductible. Although not all policies are considered “low-cost,” generally, in every area, with assistance from instant federal tax credits, several inexpensive options are offered.

Our Agency shows you how to find the specific plans that provide  both value and benefits  at the best available price. Whether you are considering Highmark, Keystone, Geisinger, Capital Blue Cross, UPMC or any other option, each company offers specific policies that will be easy on your budget. However, if you have a chronic condition, take an expensive non-generic medication, or are expecting to undergo a major surgery within 12 months, these cheaper plans may not be the best choice.

Instantly Compare Least Expensive Plans

We make it easy for you to browse different options in Pennsylvania and compare prices and benefits side-by-side. You can quickly learn which medical plans cost the least for yourself or any other family member. And yes, there are many free plans that will cost nothing or a minuscule amount. These options will be through Medicaid, CHIP, Community Centers, or other available state programs.

You may also qualify for a federal subsidy through the Pa Health Marketplace. We will gladly show you what free aid you are eligible for. With the passage of the Patent Protection And Affordable Care Act, federal funds in the form of an instant tax credit can substantially lower premiums on all Marketplace plans. NOTE: “Catastrophic” contracts do not qualify for government subsidies, and only provide limited office visit benefits compared to other plans.

Often, the cheapest option is a “Silver-tier” policy since they feature special “cost-sharing.” If your household income is less than or equal to 250% of the Federal Poverty Limit guidelines, you will qualify. This means your deductible, copay, and maximum out-of-pocket expenses will likely reduce, possibly resulting in thousands of dollars of savings. However, a moderate increase in family household income could result in a subsidy reduction, and ultimately, a higher rate.

Finding Pa Plans That Meet Your Budget

We help individuals, families, the self-employed and the uninsured find quality medical plans at an extremely affordable price. The policies you view on our website are always updated to reflect the most competitive rates, and there are never fees or charges for our service. Premiums have generally increased the last 10 years, but there are still many options that will fit within your personal or business budget. The availability of healthcare plans in Pennsylvania includes private individual coverage, Medicare, CHIP, Medicaid, and self-insured and fully-insured commercial coverage.

National healthcare reform is still changing and evolving, and we feel it is important to ensure you are taking advantage of any change that could possibly reduce what you pay for your benefits. Open Enrollment only occurs once per year, and we guide you through the complex process so you can obtain your coverage, and take advantage of all available tax credits. If your family household income is too high to qualify for a subsidy, many “off-Exchange” options are offered.

However, it still may be cheaper to purchase a “non-Exchange” policy. We’ll explain both options.  If you forgot to obtain coverage through the last Open Enrollment period, there are several temporary options that will provide benefits through the rest of the year. You also may qualify for an SEP (Special Enrollment Period), which allows you to purchase federally-subsidized plans at any time.

Comprehensive Benefits

Marketplace (aka Exchange) plans include comprehensive benefits such as office visits, prescriptions, preventive coverages and urgent-care copays. Typically, these contracts will also offer standard major medical benefits such as coverages for inpatient and outpatient hospital expenses, X-ray and lab fees, radiation and chemotherapy, and surgeon, assistant surgeon and facility fees. Beginning four years ago, policies began including coverages found in more expensive corporate packages such as non-preventive benefits, office visit copays, prescription benefits and unlimited lifetime maximum benefits.

Approved preventive coverage is usually included in most non-short-term plans. And this can be a big money-saver if you utilize your free coverage. It is also part of “mandated” coverage (essential benefits) that must be included on all plans due to Affordable Care Act legislation. Waiting periods, exclusions, and surcharges have also been removed from all qualified plans. Many additional services are provided to expectant mothers, newborns, and children. Low-cost business healthcare coverage in Pennsylvania is also offered by many carriers including Geisinger. Larger companies will offer more plan choices, with several carrier options.

Limiting Office Visits Reduces Premiums

Many low cost Pa health insurance plans can keep premiums at an affordable level by reducing the number of covered office visits. Instead of an “unlimited” feature, several “catastrophic” plans will allow three visits per person, per year. Typically, these policies are fairly inexpensive. But unless you are under age 30, you probably will not qualify. A Bronze-tier plan might have to be selected, which may ironically, be less-expensive, because of the lack of available federal subsidies.

For families (and individuals) that do not have many office visits each year, these types of plans may be a good solution to cut medical expenses. However, out-of-pocket major medical expenses are high, so a hospital visit may result in more than $7,000 of costs that you will have to ultimately pay.

Monthly billing is always available and you can terminate coverage at any time. Most policies utilize a large provider network that allows you to pay a lower cost on your medical expenses compared to persons that are uninsured. This difference can be substantial, usually thousands of dollars of savings on a major claim. Many of the insurers have countrywide provider networks (Capital Blue Cross, Highmark, and Independence Blue Cross) that allow you to utilize health care providers throughout most of the US.

Best Budget Pa Healthcare Plans

Some of the most popular budget plans in Pennsylvania are:

Capital BC Bronze 7350/0/60

First Priority Health my Priority Blue Flex HMO 7150B

Geisinger Marketplace HMO 30/60/6100

Geisinger Marketplace Select HMO 30/60/6100

Highmark my Direct Blue HMO 6950B

Highmark my Direct Blue EPO 6950B

Independence Blue Cross Personal Choice PPO Bronze

Independence Blue Cross Personal Choice Bronze Reserve

UPMC Advantage Bronze $6,950/$35

Yes…that is a big list! It is intended to be a guide as opposed to a “one shoe fits all”  type of solution to every customer’s needs. But most of these options will be very cost-effective for most consumers. And qualified preventive expenses are covered at 100% on ALL of these plans. You can call us for additional information or view quotes  by using the “Quote” option at the top of the page.