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Health Insurance In PA

Finding the right health insurance in PA for you, your family or your business can be a challenge. Choosing the right plan is one of the most important decisions that you will make in order to protect your overall health and wellness. There are many different types of health insurance plans available for the residents of Pennsylvania. With the right amount of understanding and guidance, it is possible to find a plan that will meet or exceed your family’s healthcare needs.

What Should I Know Before Choosing Health Insurance in PA?

In order to find the best health insurance in PA for your family or small business, you will need to learn the basics about health insurance plans you are interested in, what each plan pays for, and how much your premium will be each month. It is important that you factor in your own personal healthcare needs and the needs of your family members when looking for potential plans.

If you have a special need, are over the age of 65, out of work or have a pre-existing medical condition, you may need additional advice when it comes to finding the right insurance plan from a qualified and experienced health insurance agent.

Pennsylvania Health Insurance Through the Affordable Care Act

If you live in the state of Pennsylvania and need to purchase your own health insurance in PA plan, you may qualify for a tax break on your medical insurance. You could receive a tax credit, also known as a subsidy, that you can use to pay for your health insurance premium. If you qualify for a subsidy under the Affordable Health Care Act, the amount could be taken as an annual tax credit or the amount of your monthly premium could be reduced. In order to take advantage of this benefit, you will need to choose a medical insurance plan that has been approved by both the federal government, and the government of Pennsylvania. These plans are known as Exchange Plans and they meet the standards that are necessary to insure that individuals who have pre-existing health conditions will not be denied health care coverage.

Private Health Insurance in PA

If you do not qualify for a tax credit, you could still choose health insurance in PA through the Health Exchange Plan options, or choose to go with one of the many private health insurance plans available to Pennsylvania residents. There are high-quality plans out there that can provide you and your family with the optimal amount of comprehensive coverage. The biggest difference between private health insurance plans in PA, and government approved plans is the cost. Health insurance companies can charge policy holders less for private plans that offer fewer benefits. This means that more affordable options could be available to your family or business.

Private Health Insurance PA Residents Can Choose From

There are several well-known private health insurance plans for the residents of Pennsylvania to choose from. You can compare family health insurance plans in order to find the best option to fit your budget and your family’s health care needs. Some of the top private health insurance providers in PA include:

  • Independence Blue Cross – The largest health insurance provider in southeastern PA, serving more than 2 million residents.
  • Aetna – One of the largest health insurance providers in the US with more than 21 million medical members and 1 million health care providers across the nation.
  • Highmark Blue Shield – nonprofit is the largest insurer in PA and WV. Highmark is an independent licensee of Blue Cross and Blue Shield, which is the oldest health insurance provider in the US.
  • HealthAmerica of Pennslyvania – Owned by Aetna, offers statewide health coverage to Pennsylvania residents and offers HMO exchange plans as well.
  • UPMC Health Plan – Owned by the University of Pittsburgh Medical Center, UPMC is the second largest insurance provider in western PA.
  • Blue Cross of Northeastern Pennsylvania – Currently provides coverage to more than 550,000 residents in northeastern and north central PA.

Where to Buy Family Health Insurance Plans in Pennsylvania

If you want to purchase a health insurance in PA plan under the Affordable Care Act, you will need to visit the official Health Insurance Marketplace and sign up online for coverage. You will need the Social Security numbers for everyone in your household, as well as your employer’s name and address, recent pay stubs or records of wages, and information on any other type of income that you receive.

Health Insurance In PA

Health Insurance In PAEvery family or business has different medical needs, and our helpful agents can guide you through the different plans so that you can choose the one that best suits your circumstances. Rest assured that you will get the right coverage for your fmaily or business at the right price.

Speak to one of our expert agents about your current health insurance policy or. In most cases we can save you money and offer you better policy options than you currently may have. Call us today at (800) 821-2436 x1, or fill out the form on this page for more information and a no-obligation quote.