Pa health insurance choices quotes provided by our website are free and updated online each day. We help you compare and learn about all of the large health companies and bring you affordable quality coverage that you can count on. We also provide free web quotes along with faxed, phone or hard-copy reports detailing specific coverage and options. You can receive a free customized proposal of the best individual, family or self-employed medical plans available in Pennsylvania.
When you view your information, you can immediately shop and apply online for high quality Pa coverage. No “discount” plans are ever used and we carefully check every company to ensure you are getting the most coverage for your premium. If we feel coverage does not warrant the premium that the carrier is charging, we will remove that company from our quoting software.
We will also delete any carrier that has a history of contesting an unusually high number of claims. We work for you...the client, and never charge any fees. Our advice is based on many years of experience in the field, and we want you to get rapid competitive pricing. By selecting a non-Obamacare plan, you will be able to view plans with very low rates. However, for applicants with major pre-existing conditions, an ACA-compliant plan may be the best option.
Is Free Coverage Available?
If you qualify for federal subsidy assistance, we will explain how much it can reduce the price you pay and what is needed to obtain the reduction. And yes, under specific circumstances, your premium will be totally covered by the instant tax credit, or your rate will be shockingly low. Below, we illustrated some specific hypothetical situations that result in very little or no premiums. Monthly rates shown are for the Pittsburgh area:
$2 - UPMC Advantage Bronze for married couple (both age 55) with household income of $40,000
$10 - UPMC Advantage Bronze for married couple (both age 60) with household income of $45,000
$28 - UPMC Advantage Bronze for married couple (both age 45) with household income of $35,000
$55 - UPMC Advantage Bronze for married couple (both age 35) with household income of $35,000
$20 - UPMC Advantage Bronze for married couple (both age 25) with household income of $30,000
Marketplace policies do not require any medical questions to be answered and you will not be denied for any pre-existing condition. Exchange contracts consist of Platinum, Gold, Silver and Bronze options. Pediatric dental, maternity, and 100% covered preventative benefits are included. Available carriers in the Keystone State can change annually, and not all insurers offer coverage in the entire state. For example, Geisinger does not offer plans in the East or West, UPMC does not offer plans in the West, and Independence Blue Cross does not offer plans in the Central or East.
Before The Affordable Care Act...
Prior to Obamacare, many factors affected what you payed for your coverage. Age, height and weight, zip code and health conditions ultimately played a role in determining the premium. One of our jobs was to find the policies that were the "best fit" for your unique situation. For example, if you had high blood pressure that was controlled by medication, we avoided carriers that would substantially increase your rate for that condition.
If you were overweight, we focused on options that did not surcharge you to the point you could not afford a policy. However, as previously mentioned, new federal legislation eliminated medical questions on most non-short-term plans. Temporary coverage is offered by several companies, with deductibles ranging from $500 to $10,000.
Senior Pa Medical Coverage
For senior citizens, or anyone approaching age 65, a Pa Medicare Supplement quote will allow you to compare the best Medigap plans. Once you become eligible for Medicare, there is a six-month Open Enrollment window that allows you to apply for coverage without evidence of insurability.
Several carriers that offer Pa Medigap coverage include AARP, Aetna, Americo, Bankers Fidelity Life, Central States, Cigna, Colonial Penn, Everence, Geisinger, Gerber, Highmark BCBS, Humana, Independence Blue Cross, Manhattan Life, Medico, New Era Life, Oxford Life, Sentinel Security Life, Thrivent, United World Life, and UPMC.
Our service is always free, and we try our best to edit and add content every few days. And since rates are mandated by the state, you will always receive the lowest rate allowed by the Department Of Insurance. We carefully choose the plans that offer the most benefits for the lowest cost to the consumer. We are your true Exchange that can be trusted.
As reform changes continue to impact you and your family, we'll make certain that you know what these changes are and how they can help you. Of course, if Obamacare is altered, we'll keep you up to date on what changes (if any) you should make. National elections can always impact healthcare issues. However, we do not believe that 2020 election results will impact the Affordable Care Act. Although several benefits may be added, the foundation of the Affordable Care Act is expected to remain intact.
Prior changes, such as the delay of businesses required to provide healthcare benefits for their employees, and the elimination of the required mandate to purchase coverage, were welcomed. But, the process of verification of smoking status is still unsettled. Yes...it is the "honor system" when consumers are asked if they smoke.
For a free health insurance quote, please fill in your zip code at the top of this page. Within minutes, you'll be able to view the best available Pennsylvania health plans. If you would like to speak to a live person, please call us. We're never too busy to talk to you! And we'll make sure you get the best possible price.