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.
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:
Aetna
Highmark Blue Cross Blue Shield
UPMC
UnitedHealthcare
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.
Rates
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.
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.
Review
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.
