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Pennsylvania Health InsuranceIndividuals and Families

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Pennsylvania Health Insurance
How to find an affordable plan.

Many Pennsylvania residents are fortunate enough to receive health insurance benefits through their employer. Costs for these plans are often either shared by the employer or covered completely. While these individuals may need to select a plan from a limited set of options, the complexity of their decision is far less than those without health insurance. For the uninsured, understanding the options and selecting an affordable health insurance plan that meets their needs can be a difficult and time consuming process. Our goal is to make that process easier. By providing resources and information about the options available in Pennsylvania, you will be better prepared to find a plan that is right for you. Whether you are unemployed, self-employed, or work for an employer that does not provide health insurance benefits, getting covered is critical. Statistics show that almost ½ of the bankruptcy cases in the U.S. are created by medical bills that are so devastatingly high that families can't even begin to pay for them. Protect your family’s health and financial future by getting the coverage you need. Request a free quote today and begin the process. If you are denied coverage, or are unable to afford it, there may be government programs for which you qualify. More information on these programs can be found on the Pennsylvania Insurance Department web site.

Leading Pennsylvania Health Insurance Companies

Blue Cross of Pennsylvania: Blue Cross of NEPA covers all of the residents of Pennsylvania with the exceptional health insurance plans backed by the formidable Blue Cross Blue Shield health care providers.

Capital Blue Cross of Pennsylvania: For nearly a century now, Capital BlueCross has been providing affordable health insurance coverage to residents in and around Harrisburgh, Pennsylvania.

Highmark Blue Cross Blue Shield of Pennsylvania: Highmark Blue Cross Blue Shield has been providing affordable health insurance coverage to residents in Pittsburgh, Pennsylvania for many years now.

Highmark Blue Shield of Pennsylvania: For quite a number of years, Highmark Blue Shield has been providing affordable health insurance coverage to residents all over Pennsylvania.

Independence Blue Cross of Pennsylvania: Independence Blue Cross is available to the residents of Pennsylvania and provides many options for a full and affordable health insurance policy to meet the needs of each individual.

Common Health Insurance Options

Below are some common health insurance options in Pennsylvania:

  • PPO - With a PPO, members are able to select a provider of their choice, without the referral of a primary care practitioner. Reimbursement amounts vary for providers within the network and out of network since in-network providers have agreed to accept lower fees.
  • HMO - These managed care plans control costs by routing all services through your primary care physician. Referrals to outside specialists are made through your primary care physician. While they offer less flexibility, HMOs typically require lower out of pocket expenses throughout the year.
  • POS - These plans are a hybrid of HMO and POS plans. Greater flexibility allows members to visit physicians outside of the plan, however reimbursements may be limited and out of pocket expenses higher.
  • CDHP - This relatively new product is designed to give consumers more control and choice. A healthcare spending account is established that can be used to cover deductibles and out of pocket expenses.

Government Sponsored Insurance Programs in Pennsylvania

Many residents of Pennsylvania qualify for government sponsored programs. The most common of these programs is Medicaid. Medicaid is jointly funded by the federal government and the state of Pennsylvania. Also referred to as Medical Assistance (MA), this program provides basic medical needs for residents who are unable to afford health insurance. Several qualification criteria must be met. Many families earn too much to qualify for Medical Assistance, but are still unable to afford the high premiums associated with traditional health insurance. Children in these families may qualify for the Children's Health Insurance Program (CHIP). To learn more about CHIP, please contact the toll free hotline at 1-800-986-KIDS.

Resources and Information

Pennsylvania Medicare Plans

Seniors age 65 and older are eligible for a variety of Medicare plans in Ohio.  Medicare plan options include Medigap and Medicare Advantage policies:

Pennsylvania Doctor Directory

Doctors practicing medicine in the State of Pennsylvania are licensed by the state. Doctors accept different forms of health insurance which you can verify before setting an appointment.

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