Pennsylvania Health Insurance

Affordable Pennsylvania Health Insurance Quotes

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Find free Pennsylvania health insurance quotes so you can compare the most affordable Pa plans from all providers. Whether you are ready to purchase a policy or are shopping for future Exchange or Medicare coverage, we offer a wide selection of options for every individual and family in the Keystone State. Although you are not required to buy healthcare benefits, there are many inexpensive policies that will provide major medical, office visit, ER, Urgent Care, maternity, preventative, and prescription coverage. Short-term plans are also offered with multiple-year durations.

Since there are hundreds of websites that will provide rates, what’s so special about our website? We have more than 40 years of experience helping customers, and we understand that shopping for under age 65 or Senior coverage in or outside of the Pennie Marketplace is very challenging and time-consuming. Our fast no-obligation website helps you easily and quickly review all available plans in your area. Prices will vary, depending on your age, household income, and location, but an instant federal tax credit may help reduce your premium. Medical questions are not asked and physicals are not required. Non-Obamacare options may require medical underwriting.

Regardless if you need personal, group, child, Medigap, or family benefits, our experienced staff can help. It’s important to understand the type of benefits you are viewing, and ensure only trusted companies are compared. If you are spending money for prescription drugs, understanding your carrier’s formulary drug list can potentially save you thousands of dollars. Many plans allow you to choose any doctor, specialist, or hospital. Spouse, domestic partner, and dependent benefits are offered by all carriers.

AARP-UnitedHealthcare offers many Senior Medicare  products. UHC underwrites the policies. Independence Blue Cross, Humana, and Aetna are additional large carriers that issue many types of policies. Part D prescription drug plans provide stand-alone coverage that often is coupled with Medicare Supplement contracts.

If buying an Under-65 policy through Pa Open Enrollment, you can choose from multiple Exchange options that do not require you to answer any health-related questions. You may also be able to qualify for a large federal tax subsidy that can save thousands of dollars per year. We can assist you in determining how large your credit is and the best type of policy you should purchase. If you are Medicaid or Medicare-eligible, you can view the most affordable plans in your area, and utilize 100% covered preventative benefits. Applicants eligible for both Medicare and Medicaid may be available for several available “dual” products.

Dual plans often feature $0 copays and deductibles for health plan and drug plan premiums, diagnostic tests and procedures, lab tests, outpatient x-rays, diagnostic radiology services, urgent care visits, inpatient and outpatient hospital visits, ground ambulance, and mental health services. Popular Dual Medicare and Medicaid plans in Pennsylvania include Aetna Medicare Advantra Cares, AmeriHealth Caritas VIP Care, Cigna TotalCare Plus, Geisinger Gold Secure Rx, Highmark Wholesale Medicare Assured Diamond, Highmark Wholesale Medicare Assured Ruby, Humana Gold Plus, Jefferson Health Plans Special, Keystone First VIP Choice, UHC Dual Complete, UPMC For Life Complete Care, Wellcare Dual Access, and Wellcare Dual Access Open.

No, we can’t send you free cash from your laptop, but we can provide expert and experienced advice that will save you money. We don’t just educate you about Pa healthcare policies. We also do the shopping for you, so you can spend less time trying to compare side by side hundreds of different options. In just a few minutes, you can buy your policy online and view all benefits for yourself and family members. And there are many other reasons to use our free help:

Low rates are very important, but there are other factors to consider. Your coverage must match your particular needs. It is easy to find the Pennsylvania plan with the lowest premium. A bigger challenge is finding the policy that costs you the least. And that’s our specialty. We want you to be able to use the benefits you pay for, but also not pay for coverage you don’t need. For example, if you don’t travel overseas, you don’t need international coverage. If there are no children in your household, well-baby visits are no longer needed.

If you have a 2024 HSA account, an HDHP plan should be selected to allow tax-deductible deposits. Maximum contributions are $4,150 for single plans and $8,300 for family plans. Minimum deductibles are $1,600 and $3,200. Tax-deductible deposits are not permitted into non-HDHP plans. Large network provider discounts on HSA plans can potentially save thousands of dollars of out-of-pocket expenses. Plans are offered by several carriers that also feature large network-negotiated discounts. Senior Medicare options also include a high-deductible (HD) Plan G.

Customized Individual Assistance

We are not an online “call center” that simply quotes a Pennsylvania policy and leaves all future servicing to you. As your personal statewide broker, we offer our expertise at no charge any time you need it. When your policy renews, we’ll review the rate to make sure it is still your best option. Whether you need help with a claim, billing, or making changes to your policy, we’ll be available. You can choose a Marketplace plan that is eligible for a subsidy, or an off-Exchange option that receives no federal assistance.

Non-Obamacare options are also offered at any time throughout the year. Policies are issued though reputable and licensed carriers (including UnitedHealthcare), and flexible high-deductible and comprehensive options can be purchased. Monthly billing without fees and additional dental and vision riders are typically available. Expansion of Medicaid and Marketplace subsidy eligibility has created thousands of additional opportunities for consumers to obtain low-cost coverage. Applicants that miss the Open Enrollment deadline may still qualify for Exchange coverage.

Only “A” rated companies are recommended by our website, and we feel it is important that a health insurer pays claims on a timely basis. We also will not use “discounted limited benefit” policies that often have upfront application charges and high customer dissatisfaction. Quite simply, if a policy isn’t good enough for us, it’s not good enough for you either! The Pa DOI closely monitors ratings and the financial stability of carriers writing policies in the state. They also publish the names of companies that are licensed to conduct business in the Keystone State.

Additional products available include life, critical illness, pet, travel, disability, discount prescription, and accident insurance. These types of policies are designed to supplement existing coverage, or provide temporary limited protection if an Open Enrollment deadline was missed. They are not substitutes for qualified Marketplace or COBRA plans. International plans are also sold by several companies, if coverage is needed outside of the U.S. Expat options are also offered with portable benefits and comprehensive emergency coverage.

Lowest Rates

The quotes you receive from us are the best rates offered by each company. Since prices are state-approved, no lower premium is available. And we never charge a fee for our services. While applying online is the quickest way to buy a policy, there are also other methods. You can purchase a customized plan that is researched and created just for you. If you need quick temporary coverage today, you can find it here. These short-term plans are designed for applicants that are not eligible for Medicare, and desire benefits for less than 12 months.

Policies are quickly approved, and PPO and indemnity plans can be used. If the policy continues to the end of the calendar year, Marketplace (Exchange) plans should be considered if serious medical conditions need to be covered. Regardless of the reason, you may terminate benefits at any time. However, after the policy lapses, guaranteed coverage with pre-existing conditions covered can only be obtained during Open Enrollment periods (under-65 and Senior).

During OE periods (November 1-Januray 15 through Pennie), Marketplace plan options are available. You can choose to utilize a federal subsidy (if you qualify), or simply compare options that do not use any Obamacare federal aid. Because of the complexity of determining which policy provides you with the best combination of premium and lowest out-of-pocket expenses, we customize quotes to match your specific needs. You can change policies every year to match new budget or health concerns. It is also possible that your existing carrier may remove your county from their service area or leave the state entirely. Cigna and Oscar are the most recent carriers to begin offering plans through the Pennie Exchange.

Instant Tax Credit Reduces Your Rate

This federal subsidy can potentially save you thousands of dollars per year, and easily tens of thousands of dollars during your lifetime. “Metal” policies along with “Essential Health Benefits” have replaced many older policies. Older “grandfathered” plans have slowly been eliminated. For example, older plans that excluded maternity and mental illness benefits, are now only used for non-Obamacare coverage. Short-term plans are popular options for non-Exchange coverage. Low premiums provide a cost-effective option for applicants that don’t want to wait for the next Open Enrollment period.

The process of calculating your top offers takes about two minutes (see very top of page for quote request) and quickly, you’ll be able to compare rates from the best companies in the state, such as Cigna, UnitedHealthcare, Keystone, Highmark, Capital Blue Cross, UPMC, Geisinger, Oscar, and many more reputable carriers. Note: Several carriers (UnitedHealthcare, Aetna, and Humana) do not offer Marketplace contracts, but can provide ancillary and Senior products.

Medicare Supplement Plans In Pennsylvania

If you have reached age 65 and are enrolled in Medicare Part B, you are eligible to purchase a Medigap or Advantage plan. Although not required, often these types of policies can effectively lower your out-of-pocket costs for hospital confinements and other submitted claims. If you miss the six-month Open Enrollment Period (OEP), you may be able to apply for coverage, although the application will be medically-underwritten. You can also wait until the next OE period in October.

“Advantage” plan options are typically less expensive than Supplement plans, and often feature “$0” premiums. However, it is crucial to understand the differences in policies, and to properly verify that your providers are included in the company’s network. These types of policies are issued by private carriers (instead of the federal government). They have a contractual agreement with Medicare to provide Parts A and B benefits. Often, dental, vision, hearing, and prescription coverage are included in the policy. Both HMO and PPO options are offered.