Pennsylvania Health Insurance

Find the best Pa car insurance rates offered by most of large auto insurance carriers such as Progressive, Geico, Liberty Mutual, Allstate and Nationwide. View the cheapest prices for all preferred and high-risk drivers. Many additional companies offer low cost policies that could save you a substantial amount of money on your current premiums. By entering your zip code in the box (right-hand side of page), you’ll be able to view affordable options from the top companies in Pennsylvania. Low down payments and same-day coverage is available. You may be paying too much for your current coverage. While there is nothing wrong with keeping the same company for an extended period, your prices may now be significantly higher than other available options. Take a moment of your time to fill in your zip code and see how much money you can save. You will not have to provide any personal financial information. Most carriers offer additional discounts when they cover your home, rental property, motorcycle, RV, or mobile home. By providing your zip code in the "Auto Insurance Quotes" box on the right side of the page, you can quickly view your best options. Tips To Reduce Your Pennsylvania Car Insurance Rates 1. Consider insuring your home with the same company that handles your vehicles. A “multi-policy” discount will be available on BOTH policies. There also may be additional discounts...

Cheap non-Obamacare Pennsylvania health insurance rates are issued by UnitedHealthcare, one of the nation’s biggest and most respected insurance companies with more than 100 million individual, group, and Medicare customers. Temporary medical plans are appropriate if you are a student that is about to graduate, between jobs, on strike, not working, or waiting for paid benefits to begin. We also recommend this type of coverage if you are uninsured and would like to cover large claims while paying an extremely low premium or simply need a plan to be approved ASAP. In addition to UHC, we provide the most competitive prices from other companies that offer these types of policies. Additional carriers include IHC Group and HCC Life. If these options are available in your area, we provide their policies along with UHC's best offers. Companies that no longer offer this type of coverage include Humana, Aetna, Independence Blue Cross, Geisinger, and UPMC. Previously, Companion Lifel offered very competitively-priced plans utilizing an indemnity concept. Unlike an on-Exchange plan, pre-existing conditions are generally not covered, and light medical underwriting is required. Federal subsidies also do not apply to short-term plans. National General, which utilizes an Aetna PPO network, is not permitted to offer coverage in the Keystone State. It is possible that may offer a compliant...

Low cost health insurance coverage is offered by Celtic Insurance Company, known for its financial stability and rated “B++“ by A.M. Best Company. Celtic’s most affordable medical policy in Pennsylvania is the Indemnity Bronze plan, which offers comprehensive benefits at a surprisingly low cost. Coverage is available to individuals, families, the self-employed and the uninsured. If you need benefits for a few months or a few years, it's worth considering. This policy is considered a Bronze tier contract and can be purchased "off-Exchange." Since a federal subsidy does not apply to the plan, if your household income is under 400% of the Federal Poverty Level, a policy with another carrier should be purchased instead. Deductible Individual deductible is $6,000 while family deductible is $12,000. Once met, maximum out-of-pocket expenses are $6,350 per person and $12,700 per family. Physician Office Visits Both primary care (pcp) and specialist visits are subject to the deductible and a 20% coinsurance. There is no limit to the number of visits allowed during the calendar year or your lifetime. Diagnostic and/or lab tests are also covered but subject to the deductible. Any preventive visit is covered without any charge. No copay or deductible will apply either. Examples of "preventive" expenses include annual physicals, wellness exams, OBGYN visits and mammograms. Complications...

Pennsylvania health care reform information is updated regularly on this website. We provide current and unbiased tips and information designed to keep you current and save you money. There have been many changes, with dozens of additional ideas being discussed. We research and review these changes and discuss how they will affect your health insurance coverage. Also, while you are visiting the site, feel free to view, compare or apply for affordable health care coverage. Simply add your zip code to the “Get Free Quotes" box at the top of the page. More than one million persons in the state are uninsured and we're here to help. Both on and off-Exchange policies are offered. The Obamacare subsidy could lower your premiums by up to 50%-100%. In March 2010, the US House of Representatives passed H.R. 3590 – The Patient Protection And Affordable Care Act and H.R. 4872 – The HealthCare and Education Reconciliation Act of 2010. Legislation started to become effective in 2010, although much of the legislation was not enacted until 2014 and later. Changes For 2010 No Exclusion For Children Pennsylvania insurance companies will be prohibited from adding pre-existing exclusion riders to children’s coverage. This will apply to children AND adults in 2014. Young Adults Can Stay On Parent’s Policy Young adults may remain on their parent’s health insurance policy until age 26. Currently,...