Affordable low-cost Pennsylvania family health insurance plans cover you, your spouse and dependents under one policy. Coverage is offered by many top-rated carriers such as United Healthcare, Aetna, Independence Blue Cross, Keystone, UPMC, Highmark Blue Cross Blue Shield, Capital Blue Cross, Geisinger, and Oscar. Plans for self-employed or lower-income households are also offered.

Family policies typically feature comprehensive benefits such as copays on covered office visits and prescriptions, maternity and delivery, preventative and wellness coverage, specialist and therapy sessions, and unlimited lifetime limits on catastrophic claims. These policies are specifically designed for households with children that may require numerous well-check visits, and additional unexpected visits to primary-care physicians and specialists. CHIP may be offered to households that meet income requirements. It's actually fairly common when parents are covered through a Marketplace plan, and their children are covered through CHIP.

2019 Plans

Once again, for 2019 is a higher federal subsidy assistance that could substantially reduce prices on all available policies offered through the Pa Health Exchange (Our website quoting system shows you the plans). Households that have income less than 400% of the Federal Poverty Level will qualify for help. This link provides specific FPL numbers and annual guidelines.

Four years ago, Medicaid eligibility expanded in the Keystone State, so that adults with FPL income up to 138% could qualify. "Healthy Pennsylvania" was introduced by Governor Tom Corbett. However, after Corbett lost the election to Tom Wolf, "HealthChoices," a more conventional form of Medicaid became effective. This YouTube video explains the transition.

Note: If you have current individual coverage, your policy may be "grandfathered," so that you don't have to apply for a new contract. Even though certain provisions of your coverage (perhaps lack of maternity benefits) are not included, you may be getting a better rate. During Open Enrollment, you can terminate these plans and select a new plan without answering medical questions. We'll be happy to discuss your best choices.

Federal Subsidies For Families

Shown below are some specific examples of the monthly dollars amounts of federal aid offered to pay premiums. The instant tax credit is immediately applied, which creates low-cost options for households with several dependents. One-dependent families also will notice the savings. NOTE: Philadelphia County and Southeastern Pa were used for each scenario. Other counties may have minor, but not substantial differences.

$665 - Family Of Three (44,38,14) with household income of $70,000.

$683 - Family Of Three (40,40,15) with household income of $67,000.

$853 - Family Of Three (45,45,20) with household income of $67,000. 

$1,277 - Family Of Four (48,45,21,19) with household income of $70,000.

$1,758 - Family Of Five (50,50,22.21,19) with household income of $80,000.


Popular Low-Cost Plans For Families With Children

UPMC Advantage Bronze $6,950/$35 - $35 pcp office visit copay with $30 generic drug copay.

UPMC Advantage Silver $3,500/$25 - $25 and $75 pcp and specialist office visit copays. $25, $50, and $100 copays for generic, preferred brand, and non-preferred brand drugs.

UPMC Advantage Silver $1,750/$50 - $50 and $80 pcp and specialist office visit copays. $25, $50, and $100 copays for generic, preferred brand, and non-preferred brand drugs.

Highmark my Direct Blue HMO Bronze 4000 - $60 pcp office visit copay.

Capital BlueCross Bronze PPO 7350/0/60 -$60 and $85 pcp and specialist office visit copays. 

Capital BlueCross Gold PPO 2000/10/20 -$20 and $45 pcp and specialist office visit copays. $10 generic drug copay.

Geisinger Marketplace 30/60/6600- $30 and $60 pcp and specialist office visit copays. Low $30 Urgent Care copay. 

Independence Blue Cross Personal Choice Bronze - $50 pcp office visit copay.

Keystone HMO Silver - $40 and $80 pcp and specialist office visit copays. $20, and $40 copays for generic drugs (retail and mail-order). 

Keystone HMO Gold Proactive - $15 and $40 pcp and specialist office visit copays. $20 and $40 copays for generic drugs (retail and mail-order).  

Ambetter Balanced Care 11 - $30 and $60 pcp and specialist office visit copays. $20 and $50 copays for generic and preferred brand drugs.

Important Note: "Silver-tier" plans are offered to individuals and families between 100% and 250% of the Federal Poverty Level, and special "cost-sharing" applies. For example, for a family of four, income of up to about $63,000 qualifies for this feature. If only two family members, the cap is about $41,000.

If you qualify, deductibles, copays, and maximum out-of-pocket costs could substantially reduce, resulting in thousands of dollars of savings. In many situations, the Silver-tier policy becomes a better option than a Gold-tier option. Please ask us about details.


Get the best medical coverage for kids and your family. We help you secure great prices from the top-rated companies.


Grandfathered Plans (No Longer Offered But Still Active For Many Households)

UnitedHealthcare's Copay policies from previous years were the most comprehensive family Pennsylvania health plans in their portfolio. There was no limit on the number of covered office visits ($35 copay) and prescription coverage was very good ($15 generic copay and higher copays on non-generic). UnitedHealthcare offered dozens of riders including enhanced accidental death benefits. A "reducing deductible" feature slowly lowered the deductible after the first year if it was not met.

For these plans, rates were more competitive in Eastern Pennsylvania. Preventative coverage was very comprehensive and not subject to any waiting period or deductible. You can still use your policy just about anywhere in the US, and basic vision and dental benefits are included. "Golden Rule" is sometimes the brand name you see on ID cards or advertising campaigns.


The  Highmark Blue Blue Shield DirectBlue plan (available in the 29 Western Pa counties) featured preventive benefits (routine physical, mammogram, gynecological exam, pap test and pediatric immunization) that were also paid completely by the insurer. Most other coverages were paid at 90% after the selected deductible had been met. Some of these items include office visits, hospital facility expenses (including maternity), medical/surgical expenses and diagnostic services.

The Highmark AdvancedBlue policy did not require a deductible to be met for most office visits. Additionally, the RX out of pocket costs were only $8 or $40 (for brand name). This policy was suited for families that expected to have many office visit and specialist expenses.


UPMC Value contracts were often considered in the Pittsburgh area. There are many participating doctors and hospitals and their price on these plans was very competitive. Although both UPMC and Highmark often wage battles in the local media, they are both very trustworthy companies. NOTE: UPMC offers very competitive rates and policy options are very popular in Western Pa counties.

HealthAmerica's Copay and Choice1 PPO plans are no longer offered. Rates were very attractive in most parts of the state and their $1,250 deductible option was a great "buy."

These Aetna, United HealthCare, HealthAmerica and Highmark BC BS policies are just three examples of many Pennsylvania family health insurance plans that are no longer available. If you would like to compare or apply for the highest quality options in Pa, please use the "Quote" area at the top of this page. Your rates are mandated by the state, so the premium will be the lowest allowable by each insurer.

You can also call us and speak to a live person.