Pennsylvania Health Insurance

Affordable Pennsylvania Health Insurance Quotes

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Cheap Pennsylvania health insurance coverage is available and offered by many of the most recognized companies. We shop and compare low-priced plans from all carriers (both on and off the Pennie Marketplace), so you can obtain high-quality coverage at budget-friendly prices. Students, Seniors, single persons, and families can easily find low-cost options. During Open Enrollment, medical questions are not asked, and plans are quickly approved. Typically, a down-payment is not needed and all family members are eligible for benefits.

Although these policies are not expensive, surprisingly, they contain many benefits that are commonly found in many high-priced plans. They are very economical and provide hundreds of dollars per month in savings. Instantly, you can get fast, free quotes and enroll online. If you have missed the Open Enrollment deadline, and do not qualify for a special exception, alternative medical coverage may still be available, including short-term contracts. Pa temporary plans are extremely inexpensive and can be purchased at any time. However, some benefits are limited, and the maximum amount of coverage offered is generally between $250,000 and $2 million.

Available Companies

Affordable private under-65 coverage is often provided through Highmark, UPMC, IBX, Geisinger, Capital Blue Cross, Ambetter, Oscar, Cigna, Jefferson Health Plans (new for 2024), and Keystone.  We help you compare rates and benefits, so you can apply for the most suitable policy. By viewing multiple options, you’re more likely to pay less for your policy. Additional companies offer Senior Supplement and Medigap plans. Dental, vision, life, final expense, and long-term healthcare is also offered. Many MA (Medicare Advantage) plans combine Medicare benefits with dental, vision, and hearing benefits. Additional perks are available, including fitness club memberships and home-delivered meals.

You may also be eligible for a substantial price reduction by utilizing the Marketplace federal tax subsidy. We can also determine if you are eligible for financial aid or if you must pay the full retail price for coverage. Most Exchange enrollees qualify for financial help, and in many situations, it pays most or all of the premium. However, you are not obligated to enroll in an Exchange plan. “Off” Marketplace policies are offered that may have richer provider networks, and better out-of-state treatment options.

Cheapest Health Insurance Plans In Pa

There are many plans that are considered “cheap,” especially if you qualify for an Obamacare federal subsidy. However, the policies listed below cost the least, with all other factors equal. Several of these plans are not available in all areas of the state. Most companies feature provider networks that offer out-of-state coverage. PPO plans may not require a referral to see a specialist. Prescription drug benefits widely vary.

Catastrophic

Highmark my Direct Blue Major Events EPO Catastrophic 9450 – Because it’s categorized as a “catastrophic” tier plan, you must be under age 30 to enroll, unless you can show financial hardship or are exempt from the federal mandate. Three pcp office visits are provided at no cost. Deductible is $9,450.

Highmark Together Blue Major Events EPO Catastrophic 9450 – Same coverage as prior plan.

Highmark Together Blue Major Events EPO Catastrophic 9450 – Same coverage as prior plans.

Highmark my Blue Access Major Events PPO 9450 – Same coverage as prior plans.

Oscar Secure – Same coverage as prior plans.

Capital Blue Cross Catastrophic PPO 9450/0/0 – Deductible does not apply to first four pcp visits.

UPMC Advantage Catastrophic $9,450/$0 – $9,450 deductible and 0% coinsurance.

Independence Blue Cross Personal Choice EPO Catastrophic – Three pcp office visits are provided with a $50 copay. Deductible is $9,450.

Geisinger Marketplace All-Access Value – POS – $9,450 deductible and 0% coinsurance.

 

Bronze

UPMC Advantage Bronze $6,700 – $6,700 deductible with maximum out-of-pocket expenses of $9,450 and 40% coinsurance. The generic drug copay is $30 ($60 mail order). You can apply for UPMC health insurance easily on our website.

UPMC VirtualCare Bronze $4,400 – $4,400 deductible with maximum out-of-pocket expenses of $9,450 and 40% coinsurance. $80 pcp office visit copay. The generic drug copay is $30 ($60 mail order).

Highmark Together Blue EPO Bronze 8900 – $8,900 deductible with maximum out-of-pocket costs of $8,900 and 0% coinsurance.

Highmark Together Blue EPO Bronze 3800 – $3,800 deductible with $65 copay on pcp visits. Specialist copay is also $65. $100 Urgent Care copay and $65 copay for blood work and $150 copay for x-rays. Maximum out-of-pocket expenses of $9,200.

Highmark Together Blue EPO Bronze 7100 HSA  – $7,100 deductible with 0% coinsurance and $7,100 maximum out-of-pocket expenses. HSA-eligible.

Highmark my Direct Blue EPO Bronze 7100 HSA – Same coverage as prior plan.

Highmark my Blue Access PPO Bronze 7100 HSA – Same coverage as prior plan.

Independence Blue Cross Keystone HMO Bronze– Issued by Independence Blue Cross and popular in Southeastern Pa. $75 and $150 office visit copays. $8,500 deductible and 50% coinsurance. $25 generic drug copay ($50 mail order). $150 x-ray copay and $10 copay for blood work. $9,450 maximum out-of-pocket expenses.

Capital BlueCross Bronze  PPO Choice Select – $50 and $85 office visit copays with $7,100 deductible. $100 Urgent Care copay. $10 and $30 copays for preferred generic and non-preferred generic drugs.

Capital BlueCross Bronze  PPO 7450/0/50 – $50 and $85 office visit copays with $7,450 deductible. $100 Urgent Care copay. $10 and $30 copays for preferred generic and non-preferred generic drugs.

Capital BlueCross Bronze QHDHP  PPO 6400/0/50 – $50 and $85 office visit copays with $6,400 deductible. $100 Urgent Care copay. $25 copay for diagnostic tests at independent labs. HSA-eligible.

Ambetter Choice Bronze HSA –  – $7,250 deductible with 0% coinsurance. HSA-eligible.

Ambetter Everyday Bronze –  – $40 and $90 office visit copays with $8,450 deductible. $50 Urgent Care copay. $50 copay for lab services. $3 and $30 copays for generic and preferred brand drugs.

Ambetter Elite Bronze –  – $45 and $115 office visit copays with $0 deductible. $60 Urgent Care copay. $60 copay for lab services. $3 and $35 copays for generic drugs.

Oscar Bronze Classic –  $80 and $100 office visit copays with $150 Urgent Care copay. $6,500 deductible with 50% coinsurance. $3 and $30 Tier 1 and Tier 2 drug copays. $10 x-ray copay.

Oscar Bronze Simple HSA –  $7,450 deductible with 50% coinsurance. HSA-eligible.

Cigna Connect Bronze 9450 –  $9,450 deductible with 0% coinsurance.

 

Silver

UPMC VirtualCare Silver $4,400/$40 – $4,400 deductible with $40 copay on pcp visits. Specialist copay is $60. $60 Urgent Care copay and $50 copay for diagnostic tests. $10 and $50 copays for generic and preferred brand drugs. Deductible does not apply to generic drugs.

UPMC Advantage Silver $3,9000/$50 – $3,900 deductible with $50 copay on pcp visits. Specialist copay is $75. $75 Urgent Care copay and $60 copay for diagnostic tests. $10 and $50 copays for generic and preferred brand drugs. $100 copay for non-preferred brand drugs.

UPMC Silver $6,800/$25 – $6,800 deductible with $25 and $50 office visit copays. $50 Urgent Care copay and $30 copay for diagnostic tests. $10 and $50 copays for generic and preferred brand drugs. $100 copay for non-preferred brand drugs.

Highmark Together Blue EPO Premier Silver 2900 – 2,9000 deductible with $75 copay on both pcp and specialist office visits. $75 diagnostic testing copay. No charge for Tier 1 drugs. $30 copay ($60 mail order) for Tier 2 drugs. $150 and $300 copays for Tier 3 drugs. $150 Urgent Care copay.

Highmark my Direct Blue EPO Premier Silver 2900 – 2,9000 deductible with $75 copay on both pcp and specialist office visits. $75 diagnostic testing copay. No charge for Tier 1 drugs. $30 copay ($60 mail order) for Tier 2 drugs. $150 and $300 copays for Tier 3 drugs. $150 Urgent Care copay.

Highmark Together Blue EPO Silver 5900 – 5,9000 deductible with $55 copay on both pcp and specialist office visits. $75 diagnostic testing copay. No charge for Tier 1 drugs. $30 copay ($60 mail order) for Tier 2 drugs. $150 and $300 copays for Tier 3 drugs. $110 Urgent Care copay.

Highmark my Direct Blue EPO Silver 5900 – 5,9000 deductible with $55 copay on both pcp and specialist office visits. $75 diagnostic testing copay. No charge for Tier 1 drugs. $30 copay ($60 mail order) for Tier 2 drugs. $150 and $300 copays for Tier 3 drugs. $110 Urgent Care copay.

Keystone HMO Silver Proactive Basic – 2,500 deductible with $60 and $120 office visit copays. $150 diagnostic testing copay with no charge for blood work. $300 imaging (MRIs) copay. $20 copay ($40 mail order) for generic drugs.

Keystone HMO Silver Basic – 4,500 deductible with $40 and $80 office visit copays. Diagnostic testing, blood work, and MRIs subject to coinsurance and deductible. $20 copay ($40 mail order) for generic drugs.

Keystone HMO Silver Proactive Lite – $2,000 deductible (Tier 1) with $50 and $100 office visit copays and $100 Urgent Care copay. $150 diagnostic testing copay with no charge for blood work. $20 copay ($40 mail order) for generic drugs.

Geisinger Marketplace Extra HMO 10/50/4500 – 4,500 deductible with $10 and $50 office visit copays. $50 Urgent Care copay and $20 copay for generic drugs.

Geisinger Marketplace All-Access HMO 30/60/4650 – 4,650 deductible with $30 and $50 office visit copays. $30 Urgent Care copay and $20 copay for generic drugs.

Capital Blue Cross Silver PPO 6000/20/40 – $6,000 deductible with $40 and $85 office visit copays. $100 Urgent Care copay and $10 copay for generic drugs.

Ambetter Balanced Care 29 – $5,450 deductible with $20 pcp office visit copay. $60 Urgent Care copay and $35 and $70 copays for generic and brand drugs.

Ambetter Balanced Care 12 – $6,500 deductible with with $35 and $70 office visit copays. $55 Urgent Care copay and $25 and $60 copays for generic and brand drugs.

 

 

Pa Senior Medicare Supplement Plans

The least expensive available plans are typically F (High Deductible), G (High Deductible) and A. Your out-of-pocket expenses are often higher than other options. Illustrated below, are the monthly rates Lancaster County (65-year-old female). Prices will vary for males and/or applicants in different counties. Pa Medigap plans (Advantage and Part D) also will not be identical in each county.

Plan F (High Deductible)

$28 – United American

$32 – New Era Life

$35 – Allstate

$49 – Medico

$84 – Highmark BS

 

Plan G (High Deductible)

$28 – United American

$32 – Bankers Fidelity

$32 – New Era Life

$35 – Cigna

$38 – United States Fire

$38 – Humana

$38 – Aetna

$38 – Woodmen Of The World Life Insurance Society

$39 – United Of Omaha

$39 – Ace Property And Casualty

$40 – Elips Life

$46 – Medico

 

Plan A

$73 – AARP-UnitedHealthcare

$87 – Allstate

$90 – Cigna

$97 – Humana

$98 – United Of Omaha

$98 – Ace Property And Casualty

$101 – Elips Life

$103 – Woodman Of The World

$103 – American Benefit Life

$106 – American Home Life

$107 – New Era Life

$109 – AARP-UnitedHealthcare

$109 – AFLAC

$111 – Capital Blue Cross

$113 – Aetna

$114 – United American

$118 – Highmark BC

$123 – Manhattan Life

$127 – Medico

$129 – Heartland National Life

$136 – Bankers Fidelity

$158 – GPM Health

$161 – Physicians Life

$169 – Guarantee Trust Life

Each year, new plans are introduced (both under-65 and Senior), and prices adjust on existing plans. Often, continuing the current plan is the best option. However, shopping and comparing all available options only takes 15 minutes.