Pennsylvania Health Insurance

Finding low-cost healthcare is the goal of most residents in Pennsylvania. Obamacare, also known as the "Affordable Care Act," became law in the Keystone State and the rest of the US nine years ago. The legislation was upheld by the Supreme Court, although it remains unpopular and expensive for many Pa residents. And although 2021 rates remain fairly stable, premiums have not reduced, and continue to increase at a faster pace than before the legislation was passed. However, large federal subsidies (instant tax credits) substantially lower premiums for many eligible applicants. There are several alternatives to Obamacare health insurance plans that are available for consumers. We review these options, so you can determine which plans (if any) make financial sense. If you miss Open Enrollment and do not qualify for an SEP (Special Enrollment Period), choosing one of these alternatives may become a necessity. We also published the Pennsylvania Obamacare Enrollment Guide which helps consumers understand new terms that are being used. Several options include medical services discount cards, cost-sharing programs, and flat fee plans purchased from physician offices that are not offered through the Pennie Exchange. Each year, new rules, guidelines, and updates are released, and we promptly post these changes on our website. New plans are created, and new rates are released. Senior...

Health insurance rates in Pennsylvania have declined for many persons. The combination of fewer submitted claims, the federal subsidy, and increased availability of low-cost plans has created many affordable policies that can be easily purchased. Regardless if you qualify for a Marketplace federal subsidy, or your household income is too high to qualify, you can easily and quickly view quality medical coverage that is budget-friendly with our comparison tools. Many affordable Medicare options for Seniors are also available. Persons that have reached age 65 can review several Medigap plans that can be customized to match their specific medical needs. High deductible Supplement plans (G-HD and F-HD) offer 100% coverage after the $2,370 deductible has been met. Coverage for older adults is available for many additional products, including dental, vision, long term healthcare, and property and casualty. If you did not purchase coverage through Open Enrollment, you still may qualify for a "Special Enrollment Period," that allows you to qualify for a federal subsidy. You can also obtain benefits without using any federal help. NOTE: The SEP is not available for Medigap or Medicare Advantage plans. Senior plans have a separate OE period (October 15th to December 7th). If the 65th birthday occurs before the OE period, applying for coverage may be possible. Government-assisted...

Our official 2021 guide to understanding Obamacare and Pa health insurance will help you shop and compare the best policies, find the best prices, and purchase the plan that's the right fit for you. Although Pennsylvania healthcare reform and federal tax subsidy changes each year make the "Exchange" process a bit more confusing, we're confident you will save money. The new Pennie state-based Marketplace helps single persons and families purchase coverage in the Keystone State. What Changed? A lot of things changed, so we'll summarize them. Perhaps the most significant change is that applicants are no longer declined because of a single or combination of medical conditions. Whether it is heart disease, degenerative back issues, diabetes, mental illness, obesity, or any type of cancer, you can purchase health insurance in Pennsylvania. You can also buy non-Obamacare plans, that are often less expensive, although several benefits are not included. Smoking continues to be considered in the determination of rates. So, if you use nicotine, you will pay more than many other persons. But you will not be denied. Height and weight have been removed from Marketplace underwriting guidelines, although non-compliant "short-term" plans can use your BMI when determining your premium. The medications you take, and surgery history, do not impact the cost of coverage. Prior coverage is not...