Compare individual and family health plans from top insurance companies at the lowest available cost.
Pennsylvania health insurance plans
Compare individual and family health plans from top insurance companies at the lowest available cost.
Need health insurance in Pennsylvania? eHealth makes shopping easy.
Navigating Pennsylvania health insurance plans
Finding the right health insurance plan in Pennsylvania can be overwhelming. Whether you’re an individual looking for comprehensive coverage or a family seeking a plan to fit everyone’s needs, it’s important to consider factors such as:
Coverage needs
Evaluate what types of medical services you or your family use most frequently. Do you need regular doctor visits, specialist care, or prescription medications?
Budget
Look at both premiums and out-of-pocket costs. Sometimes a plan with a higher premium may save you money overall if you frequently use healthcare services.
Provider network
Ensure your preferred doctors and hospitals are included in the plan’s network to avoid higher out-of-network costs.
Additional benefits
Some plans offer extra perks, like wellness programs, telemedicine, or mental health services, which could be valuable to you or your family’s overall health.
Find health insurance plans for every stage of life
Health insurance
Health insurance exists to protect you from substantial medical costs. Each plan is an agreement between you and the health insurance company about the services they will cover, how much you will pay, and how much they will pay.
Can cover everything from routine cleanings and fillings to more comprehensive procedures, usually at a low premium. May cover annual eye exams and/or reduce the cost of contact lenses or glasses.
When you buy an insurance policy, you will pay a premium payment monthly or annually. In exchange for that premium, your insurance provider agrees to cover a portion of your healthcare bills as outlined in your plan policy. You are still responsible for some costs, like deductibles and copays. Here are descriptions of those costs and what you should expect.
Frequently asked questions
Pennsylvania residents can expect to pay an average of $501.10 per person for an individual health insurance plan. This is the average monthly premium price of a plan available from eHealth in Pennsylvania, but actual prices available depend on zip code, age, gender, plan metal level, and other factors. Get a personalized quote to see what may be available for you.
Pennsylvania offers several programs that provide free or low-cost health insurance coverage to eligible individuals and families. One such program is Medicaid, which is called Medical Assistance (MA) in Pennsylvania. MA provides comprehensive healthcare services to low-income individuals and families who meet the income and eligibility requirements. Additionally, the Children’s Health Insurance Program (CHIP) offers free or low-cost health insurance for children in Pennsylvania.
If you are a resident of Philadelphia and are a U.S. citizen, legal resident, or have qualified immigration status, you are eligible for health insurance.
Pennsylvania no longer requires its residents to have health insurance in compliance with the Affordable Care Act. That being said, Pennsylvania residents should consider signing up for health insurance to avoid excessive medical costs.
Pennsylvania residents can apply for health insurance coverage through private insurers, the state-run exchange or a licensed health insurance broker like eHealth during open enrollment. If open enrollment has ended but you still need coverage, you can enroll if you have a qualifying life event (which triggers a special enrollment period).
Pennie is the state’s insurance marketplace, where residents can buy Pennsylvania medical insurance and apply for assistance with healthcare costs. Any Pennsylvania resident who is a U.S. citizen, national, or has an eligible immigrant status can get health coverage through Pennie. As another option, you could get Pennsylvania private health insurance through a licensed broker, such as eHealth. All plans sold on Pennie are required to meet minimum essential health benefits under the Affordable Care Act, including preventive services, maternity care, and prescription drugs. Like other states, Pennsylvania health insurance benefits and costs vary by plan, insurance company, and location. However, if you’re looking for affordable health insurance in Pennsylvania, it’s a good idea to shop and compare plan options to see what best fits your needs. You can browse individual and family health insurance through eHealth.
Pennsylvania offers a range of health insurance options to meet the diverse needs of its residents. These options include employer-sponsored plans, individual and family plans, Medicaid (Medical Assistance), CHIP, Medicare, and short-term health insurance plans. Employer-sponsored plans are provided by employers to their employees, while individual and family plans can be purchased directly from insurance companies or through the Health Insurance Marketplace.
You can enroll in coverage or make changes to your coverage during certain times of the year. The best time to find affordable health insurance in Pennsylvania is during Open Enrollment, which runs from November 1 to January 15 every year. You might be eligible to enroll with a special enrollment period if you have a qualifying life event. These are certain situations, like getting married or moving, that make you eligible to make changes to your health coverage outside Open Enrollment. If you’re looking for Pennsylvania private health insurance plans and aren’t sure if you’re eligible to enroll, a licensed insurance agent at eHealth can help you figure out if you’re qualified to make changes.
Health insurance premiums may be tax-deductible in Pennsylvania, but it depends on certain factors. Self-employed individuals and certain small businesses may qualify for deductions on health insurance premiums. It’s important to consult with a tax professional or refer to the Pennsylvania Department of Revenue for specific guidelines and eligibility criteria.
Pennsylvania health insurance plans are required to cover essential health benefits as mandated by the Affordable Care Act (ACA). These essential health benefits include ambulatory patient services, emergency services, hospitalization, maternity and newborn care, mental health and substance use disorder services, prescription drugs, rehabilitative services, laboratory services, preventive and wellness services, and pediatric services.
Pennsylvania residents have access to various resources to help them navigate the health insurance landscape. The Pennsylvania Department of Human Services provides information about Medical Assistance (Medicaid) and CHIP, along with enrollment assistance. Additionally, the Health Insurance Marketplace, operated by the federal government, offers resources and enrollment assistance for individuals and families seeking health insurance coverage.
Applying for affordable health insurance in Pennsylvania doesn’t have to be overwhelming. By understanding the options available, the types of health insurance plans, tax deductibility rules, essential health benefits, and utilizing the resources provided, you can find the right health insurance coverage for you and your family. Remember to consider your healthcare needs, budget, and seek guidance from licensed insurance professionals if needed.
