Getting health insurance in Pennsylvania differs from other states. While most use a federal marketplace, Pennsylvania’s is state-run through Pennie, which is ACA (the Affordable Care Act) affiliated but promises to lower premiums significantly.
How to Buy Health Insurance in 2022
You can buy health insurance in Pennsylvania through the state marketplace, Pennie. You can input your family/financial situation, compare quotes and even figure out if you qualify for financial assistance.
How to Apply for Health Insurance in Pennsylvania
The state-run marketplace, Pennie, has everything you need to make your application. Once you sign up, you’ll be provided an access code that you can use to browse plans and modify any existing coverage.
Health Insurance Carriers In Pennsylvania
There are currently twelve health insurance companies on the Pennsylvania exchange:
- UPMC Health Options
- Geisinger Health Plan
- Capital BlueCross
- Geisinger Quality Options
- Highmark Choice Company
- Highmark Coverage Advantage
- Highmark Benefits Group
- Independence Blue Cross
- Keystone Health Plan East
- Pennsylvania Health & Wellness
- Oscar Health Plan of Pennsylvania
Pennsylvania Health Insurance Costs Overview
There are four main metal tiers for health insurance in Pennsylvania: Bronze, Silver, and Gold.
How Much Does Health Insurance Cost in Pennsylvania?
According to the KFF, the average benchmark premium in Pennsylvania is $410 a month in the year 2022.
What is the Cheapest Health Insurance Plan in Pennsylvania?
The cheapest health insurance plan in Pennsylvania is the one that suits your health needs best. Contact us today or enter your zip code below to get started.
Cheapest Pennsylvania Health Insurance Coverage by Metal Tier
Note that all costs are 2022 pricing from KFF. (source)
The average lowest cost premium of a Gold Plan in Pennsylvania in 2022 was $381.
The average lowest cost premium of a Silver Plan in Pennsylvania in 2022 was $398.
For a Bronze plan, the average lowest premium in 2022 was $285.
Other Types of Pennsylvania Health Insurance Coverage
Catastrophic Health Insurance in Pennsylvania
Catastrophic health insurance plans are available in Pennsylvania but only to those thirty years of age or younger or those who qualify for a hardship or affordability exemption. The premiums are low, but the deductibles are very high.
Short Term Health Insurance in Pennsylvania
Short-term health insurance is available in Pennsylvania for up to 12 months and can be renewed for 36 months. However, be advised that short-term insurance plans are not required to meet the essential service minimums prescribed by the ACA.
Low Income Health Insurance in Pennsylvania
Low-income health insurance is available through Compass, an online tool for Pennsylvanians needing Medicaid coverage. Many plans available through Pennie are also low cost depending on your financial situation.
Marketplace Average Benchmark Premiums, KFF, accessed 08/16/2022, https://www.kff.org/health-reform/state-indicator/marketplace-average-benchmark-premiums/?currentTimeframe=0&sortModel=%7B%22colId%22:%22Location%22,%22sort%22:%22asc%22%7D
Average Marketplace Premiums by Metal Tier, 2018-2022, KFF, accessed 08/16/2022, https://www.kff.org/health-reform/state-indicator/average-marketplace-premiums-by-metal-tier/?currentTimeframe=0&sortModel=%7B%22colId%22:%22Average%20Lowest-Cost%20Bronze%20Premium__2022%22,%22sort%22:%22desc%22%7D