Compare the best individual health insurance plans in Pittsburgh and Western Pennsylvania, save money, and enroll online in less than 25 minutes. Cheap subsidized Pa Marketplace coverage is available if you qualify for a federal tax credit. Off-Exchange plans are also offered for single persons, families, and business owners that prefer non-Obamacare options. Allegheny County features many attractively-priced plans.
With our free advice and expert analyses, you can quickly review many different options and purchase a policy at the lowest published rates offered to the public. Whether you need benefits for a month or a lifetime, or you have no pre-existing conditions or take multiple medications, we can help. Our customized recommendations will ensure you receive quality medical coverage at rates you can afford.
Affordable Pittsburgh Family Health Insurance Is Available
We study and research hundreds of single, family and business options and make it easier to compare and apply for a policy. With more than three decades of experience, we can customize a policy so that you’re not paying for what you don’t use, and you are utilizing the benefits that you need the most.
Health Insurance Companies In The Pittsburgh Area
There have been many changes in the medical field, including the establishment of the “Pennsylvania Health Insurance Exchange.” Accommodating you is a priority and we know you’ll be happy with our service. You can view all available plans at the lowest possible price on our website.
You can also easily view doctor and provider networks from each carrier. It is customary for Marketplace companies to have multiple networks. For example, UPMC offers plans that utilize three different networks – Select, Partner, and Premium. Physicians and other medical facilities often extend to other nearby counties, such as Westmoreland, Washington, Beaver, and Butler. Of course, Allegheny County is well-represented.
The Pa Exchange (also referred to as a “Marketplace”), offers plans from the following companies:
Highmark Blue Cross Blue Shield
In previous years, Cigna, Celtic, Assurant, and several other companies offered policies. However, they no longer underwrite individual business in Pennsylvania. NOTE: Cigna is merging with Anthem Blue Cross, and Celtic offers plans in many states through Ambetter. Also, In the greater Pittsburgh area, UPMC individual health insurance rates are usually the most competitive when compared to other carriers.
Below, we have illustrated monthly prices for a 45-year old married couple with household income of $30,000. The federal subsidy has already been applied and medical conditions do not impact the rate. NOTE: “Cost sharing” has reduced the deductible and out-of-pocket expenses on Silver-tier options. We have selected several of the most cost-effective options.
$93 – UPMC Advantage Bronze $6,200/$35 – $35 copay for pcp office visits and $6,200 deductible.
$97 – Highmark Connect Blue – $65 and $100 office visit copays with $5,500 deductible.
107 – UnitedHealthcare Bronze Compass HSA $5,500 – HSA-eligible with $5,500 deductible and $6,500 maximum out-of-pocket expenses.
$140 – UPMC Advantage Silver $3,250/$10 – Low $850 deductible with attractive $5 and $25 office visit copays. $4 generic drug copay.
$147 – UPMC Advantage Silver $1,750/$30 – $500 deductible with $15 and $30 office visit copays and $4 generic drug copay.
$148 – UPMC Advantage Silver $0/$50 – No deductible with $2,250 maximum out-of-pocket costs. $20 and $50 office visit copays.
$192 – Highmark Connect Blue 750 – $500 deductible with low $1,500 maximum out-of-pocket expenses. Office visit copays of $10 and $35.
Cheapest Plans (Catastrophic And Bronze Tier)
UPMC Advantage Catastrophic $6,850/$0 – Must be under age 30 to qualify.
UPMC Advantage Bronze $6,200/$35 – $35 copay on pcp office visits.
Highmark Connect Blue 5500 – $5,500 deductible with high pcp and specialist copays ($65 and $100).
UnitedHealthcare Bronze Compass HSA 5500-1 – $5,500 deductible and very inexpensive HSA option.
UnitedHealthcare Bronze Compass 6500-1 – $45 copay on pcp visits and $100 copay for specialists, which could come in handy.
Low-Cost Silver Plans – Eligible For “Cost-Sharing”
UPMC Advantage Silver $3,250/$10 – Low $10 pcp office visit copay with $70 copay for specialists. $3,250 deductible. This policy should always be considered.
UPMC Advantage Silver $1,750/$30 – Compared to previous plan, lower deductible ($1,750) and higher office visit copays ($30 and $80). Slightly more expensive and same maximum out-of-pocket expenses ($6,600.
UPMC Advantage Silver HSA $2,600/20% – Need an HSA? The $2,600 deductible and $3,600 maximum out-of-pocket cost make this plan extremely attractive if you have no major health conditions and would like a tax-break.
UnitedHealthcare Silver Compass HSA 2000 – Another very good HSA option. Low $2,000 deductible but maximum out-of-pocket expenses of $6,500.
Highmark Connect Blue 750 – VERY low $750 deductible $25 and $80 office visit copays. If your physicians are in the Highmark Network, this plan should be considered.
Comprehensive Gold And Platinum Options
UnitedHealthcare Gold Compass 0 – No deductible with $30 and $60 copays on office visits.
UPMC Advantage Gold $750/$10 – Low $650 deductible with maximum out-of-pocket cost of $3,000. Office visit copays of $10 and $45 are also very attractive.
Highmark Connect Blue EPO 250 – Low $250 deductible with $10 and $40 office visit copays. Best Highmark “Cadillac” plan.
Coventry Gold $10 Copay – Aetna (Coventry) offers low office visit copays ($10 and $40) and an equally-low deductible of $1,400.
UPMC Advanatge Platinum $250/$20 – $20 pcp office visit copay with $250 deductible and maximum out-of-pocket expense of $1,500.
Medigap Rates In Pittsburgh Are Very Affordable
Affordable Senior Health Insurance Options In The Pittsburgh Area
Medicare Supplement (Medigap) Plans
Medicare Supplement coverage in Allegheny County (and surrounding counties) can help reduce the potential out-of-pocket costs of expenses not covered by standard federally-provided coverage. If you have reached age 65, you probably are already enrolled in Part A (hospitalization) and Part B (medical services). Part C is “Advantage” coverage while Part D provided prescription benefits.
Listed below are several popular options that feature very competitive rates:
Medico High Deducible Plan F
Humana High Deductible Plan F
Polish Falcons Of America Plan N
Cigna Plan N (Underwritten and Non-Underwritten)
Medico Plan A
Aetna Plan N
Mutual Of Omaha Plan A
Polish Falcons Of America Plan A
Manhattan Life Plan N
Equitable Plan N
UPMC Senior Options
UPMC For Life Medicare Advantage plans (HMO and PPO) are offered to applicants that are eligible for Medicare Parts A and actively enrolled in Part B. By contracting with the federal government, often the policies you view cost much less than standard Medigap plans. Details are listed below:
UPMC For Life HMO – Least expensive Advantage plan that features $0 deductible and $5 and $45 office visit copays. $350 in-hospital per stay charge with $3,400 maximum out-of-pocket expenses.
UPMC For Life HMO Deductible With RX – $750 deductible although Part D drug coverage is included. Office visit copays are $5 and $50 and maximum out-of-pocket expenses are $4,000.
UPMC For Life PPO High Deductible With RX – $1,250 deductible with $6,700 maximum out-of-pocket expenses. Office visit copays of $10 and $50.
Pittsburgh health insurance rates continue to remain low when compared to other large cities in the area (Philadelphia, Cleveland, Wheeling, and Columbus). The presence of Highmark and UPMC help keep prices competitive, and many types of benefit plans are available. You can view free online quotes from our website at no cost and with no obligation.
Pennsylvania is the home to dozens of of the best PPO and HMO health insurance plans available to consumers. Not only do you receive lower rates, but the network of providers allows you to freely choose who handles your medical treatment and where you go to receive those services. And actually, there are very few Pa plans that don’t utilize this type of coverage. Managed care plans are designed to offer lower premiums and we can review the best options with you.
All of the new State Exchange plans utilize a provider network that gives you access to the finest doctors and hospitals in your area. Whether its UPMC or Highmark in Western Pa or Geisinger or Keystone in other parts of the state, the Pennsylvania Marketplace will allow you to choose among several options. If you need help understanding Obamacare in Pa, we wrote a separate article about it that should be helpful.
Our authoritative website explains in detail some of the differences between the two types of benefits. Which one is best for you? That depends on many factors including the type of medical expenses you typically incur in a year along with the availability of plans in your area. For example, most parts of Pennsylvania have several PPO plans to choose from. But the number of available HMO plans is growing, while PPO availability is decreasing.
The ACA Legislation And Its Effect
Obamacare, although passed in 2010, continues each year to cause reductions in the number of available policies, physicians, specialists, and other medical facilities. Not only are several companies no longer offering On-Marketplace plans, but HMOs are replacing PPOs in record numbers. There are approximately 40% less preferred-provider networks offered to Pa residents compared to pre-Obamacare years.
Thus, Keystone State residents often face out-of-network restrictions that can severely limit choices. Since most Exchange plans are subsidized, lower-income households often have fewer choices, especially if they seek out-of-the-area treatment. For example, the total number of PPO plans available countrywide is about 500 less than prior years, while there are more than 100 new HMO options offered.
HMO AND PPO Differences
With an HMO, you select a single doctor to coordinate all of your healthcare needs and treatment. For example, if you suddenly notice that your knee is swollen and hurts when you walk, a visit to your primary care physician (pcp) is required. They will subsequently refer you to a specialist that will treat that specific condition.
Your Primary Care Physician Coordinates Your HMO Treatment
Conversely, with a PPO, assuming that same scenario, you can simply directly contact an orthopedic specialist for a consultation and possible treatment. You do not need a referral and you determine which type of treatment (or no treatment) that you receive. Flexibility of choosing who treats you and when you visit, are key features.
With many companies, your “network” extends countrywide and is much more extensive than an HMO. For example, Aetna offers the opportunity to utilize more doctors and facilities in nearby states (Ohio, New Jersey, New York, Delaware, and Maryland) along with the rest of the US. Conversely, Geisinger plans will be much more restrictive.
Impact Of Pre-Existing Conditions
Your existing medical conditions (if you have any) play a vital role in your decision. If you are treated by multiple specialists, it may be critical to ensure that all of them remain in the local provider network. With Open Enrollments occurring every November, it’s possible that you may have to change carriers or face the possibility that one (or more) of your physicians will no longer be available.
Comparing and reviewing new plans each year is highly encouraged. But equally important is to ensure your existing specialists (and physicians) are not dropping out of your carrier “approved provider” list. If your illness or disease requires multiple visits (especially pain management), changing providers can be challenging, especially if few options are available in your area that accept new patients.
If you live on the Western part of the state, UPC and Highmark have large coverage areas and offer extremely competitive rates. Highmark, Capital Blue Cross and Geisinger are reliable carriers to consider if you live in Central Pa. And towards Philadelphia, Keystone (Independence Blue Cross) offers both HMO and PPO plans that are often priced lower than all competitors. Both high-deductible and comprehensive policies are easily purchased. Aetna also offers attractively-priced plans in most of the state.
UnitedHealthcare and Aetna have statewide coverage for their provider network and should be considered in all areas. Aetna is also a national carrier and is in the process of merging with CIGNA.
We’ll teach you the differences in Pa HMO plans and PPO plans. Both are comprehensive medical policies that are offered through the best insurers. You can view the best rates online from our website, and save money by utilizing our help.
You currently live here in Pennsylvania and need health insurance benefits. Regardless if you are presently covered, or have been without a policy for many years, you are not looking forward to viewing, analyzing, and trying to understand the difference between hundreds of plans. Copays. Deductibles. Coinsurance. Subsidies. Maximum out-of-pocket expenses. On or off the Marketplace? Where do you begin?
It’s easy! OK. We simplify the process for you by explaining in easy-to-understand language and terminology, which plans are the most efficient and practical, based on your budget and medical condition needs. And, of course, we calculate and review the federal tax credit that may possibly reduce your rate. We determine your eligibility, and show you how much savings you will receive.
Online Enrollment Is Easy!
Online Pennsylvania health insurance quotes give you information about how much a policy costs, what benefits are provided, and how to apply to get coverage. We help you decipher the maze of hundreds of policies for single persons or families and make it easy to make the right decision regarding which option is your best choice. Since we are independent, and not captive, we shop multiple insurers, and give you the time and attention needed to secure the lowest personal prices.
If the carrier is licensed and approved to offer plans in the Keystone State, we will research and review all of their plans. NOTE: Not all companies or policies qualify for federal subsidies. We will specifically indicate which policies and/or carriers are ineligible for the Obamacare instant tax-credit.
On-Marketplace And Off-Marketplace Policies Are Available
The Pa Health Insurance Exchange (via our website) is where you compare available plans and enroll for coverage. Applying takes about 15-25 minutes. No physicals are required and you won’t be denied benefits because of adverse medical conditions. If you are eligible for financial assistance, an “on-Marketplace” plan is the correct choice. Otherwise, an “off-Marketplace” plan should be utilized.
Get Guaranteed Pa Healthcare During Open Enrollment
An experienced broker is perhaps more needed now than ever before. Calculating your subsidy (using the Federal Poverty Level ratio) and analyzing your projected medical expenses are two additional tasks that need to be performed before you apply for a policy. That’s one of the free services our website offers to Keystone residents.
There are many resources on the internet that provide online rates. We are a consumer-friendly site that saves you time and money without sacrificing any important benefits. If you need help with dental, vision or other ancillary products, we will show you the top-rated choices for each type of coverage. Many carriers offer riders to add these types of benefits, and often the price is discounted.
Not All Coverage Has To Be With One Company
Often, it may be best to split your total package between more than one carrier. Individual Pa health rates, quite simply, are our specialty. If one member of the family has a chronic illness that requires expensive non-generic prescriptions, a separate policy should be considered, that reduces the out of pocket medication costs. The impact of meeting multiple deductibles, and subsidy-eligibility must always be considered.
For example, if a dependent covered on a family policy is treated with expensive non-generic medications, and requires specialized out-of-area care, in some situations, issuing a separate subsidized plan that includes needed network-providers may save a large amount of out-of-pocket costs. Each situation is unique, so we would thoroughly review all available options.
Only The Best Companies!
We eliminate “bad” options and select only high-quality companies and make the shopping process simple. By helping you learn about different medical coverage, you will save money. After you provide your zip code, you will be asked some basic questions. Moments later, you are finished. And all of the recommendations we provide are yours to keep and refer to at any time.
Your Individual Pa Health Insurance Quote Is Free
As independent Pennsylvania health insurance brokers, we are able to offer direct rates from all of the most reputable carriers, and not just one or two. For example, if you reside in Allegheny or Westmoreland county, we can choose between local options such as Highmark and UPMC along with statewide companies such as UnitedHealthOne and Aetna.
Or, if you live near the New Jersey border, we’ll strongly consider Independence Blue Cross/Keystone individual and group policies. Although UnitedHealthcare or Coventry (Aetna) may also offer competitive pricing, in some situations, they may not be able to match the comprehensive IBX provider network.
More Than Free Emailed Quotes
But we don’t just find quality plans and email them to you. We know and understand the benefits and out-of-pocket costs that are likely to impact your decision. Not all plans will provide the benefits and price you want. But if that policy is offered, we will find it. You can also do all of the quoting, enrolling, and applying yourself. We understand that many consumers prefer that method.
We are experienced Pa brokers for affordable personal and family plans and quotes. You can research, compare and apply for the very best medical plans. We value your privacy and take extreme caution to maintain a secure website. If you own a small business, there may be a low-cost plan that saves you and your employees money. If you employ more than 50 workers, you are required to offer coverage.
If you only need a plan for a few months, then click here. Temporary benefits are affordable, and provide a bridge that effectively covers a gap in coverage. You won’t be able to get “Cadillac” policies, but you can effectively protect your assets in case there is a large claim.
Most Modern Online Quote Engine
A state-of-the-art quoting system is used, allowing consumers to easily and quickly find the most affordable Pa plans, but still receive personalized service from a broker with more than 35 years of experience. During the quoting process, we are happy to help you find the best policies that give you the coverage you want and with plenty of network providers.
Providing affordable options to individuals, families and businesses requires expertise and experience. Sometimes it may be a bit overwhelming trying to decipher terms and compare plans that seemingly look alike. We are always willing to help and are only a phone call or email away. And the best rates are only a click away.