#inexpensive health insurance
Pa Health Insurance Marketplace Prices – Compare And Enroll
The Pa Health Insurance Marketplace offers affordable Exchange medical plans and generous tax subsidies. Many Pennsylvania consumers now pay less for their coverage than before the Affordable Care Act (ACA) was created. But there are still a few surprises along the way. We highlighted six of the major ones so you won’t be caught off guard when you notice them.
The Federally-Facilitated Marketplace (FFM) will allow you to purchase low-cost plans at affordable prices through our website. Our assistance is always free. Open Enrollment began on November 1st for policies that are effective for 2016. After January 31st (2016), a special qualifying life event will be needed to purchase a subsidized plan.
For 2016, the penalty for not securing qualified coverage is $695 per adult ($2.085 maximum) or 2.5% of total household income, whichever is higher. Medicare sign-up is not affected since the Exchange offers plans to persons under the age of 65.
Several new companies will offer policies in Pennsylvania for 2016 effective dates. UnitedHealthcare (UHC), one of the nation’s largest providers, will continue to offer plans in the Philadelphia and Pittsburgh areas. UHC, who only offered policies in four states a few years ago, will be present in more than 20 states for 2016.
I Missed Pa Open Enrollment! Now What?
Unless you qualify for a special lifetime event, you will not be able to utilize federal subsidies or Exchange options until the next Open Enrollment. However, there are many qualifying events, such as having a baby, losing your employer-provided or private-provided coverage, moving to Pennsylvania from another state, and a divorce. Of course, there are numerous other situations that also qualify for an exception.
For persons that simply forgot to apply for coverage or don’t qualify for a special event, there are several low-cost policies that can be purchased, and often quickly approved. However, it is possible they will not contain all of the mandatory benefits that the new ACA legislation requires.
Short-term plans are very cheap and can be approved within 24 hours. These plans can be purchased any time of the year. UnitedHealthcare is one of many reputable companies that offer this type of plan. You can purchase a policy directly through our website at the lowest offered cost. However, they are not designed to cover a condition that you are presently being treated for.
Young Healthy Persons Are Needed
Under the Affordable Care Act legislation (Obamacare ), everybody is eligible for coverage, regardless if you are in impeccable health or have life-threatening medical conditions that cost hundreds of thousands of dollars per year. It doesn’t matter anymore since all plans are guaranteed approval with no underwriting (except for smoking).
However, since millions of additional claim dollars will be paid by Pennsylvania health insurance companies (compared to previous years), in order for the system to work, additional healthy persons, that file very few claims, will have to be added. Young adults, although their premiums are not high, are becoming a big target for carriers.
Your Free Pennsylvania Health Insurance Quote
You would like a free Pennsylvania health insurance quote. But there are hundreds of websites that will give you the rates. What’s so special about our website? We have more than 30 years of experience in the business and we understand that shopping for coverage in or outside of the Marketplace is very challenging and time-consuming. Regardless if you need personal, group, child or family benefits, our professionals can help.
If buying a policy through Pa Open Enrollment, you can choose from multiple Exchange options that do not require you to answer any health-related questions. You may also be able to qualify for a large federal tax subsidy that can save thousands of dollars per year. We can assist you in determining how large your credit is and the best type of policy you should purchase
We don’t just educate you about Pa health care policies, but we do the shopping for you so you can spend less time trying to compare hundreds of different options. In just a few minutes, you can actually buy your policy online. And there are many other reasons to use our free help:
Low rates are very important, but there are other factors to consider. Your coverage must match your particular needs. It’s easy to find the Pennsylvania plan with the lowest premium. The hard part is finding the plan that costs you the least. And that’s our specialty. We want you to be able to use the benefits you pay for, but also not pay for coverage you don’t need. For example, if you don’t travel overseas, you don’t need international coverage. If there are no children in your household, well-baby visits are no longer needed.
We are not an online “call center” that simply quotes a Pennsylvania policy and leaves all future servicing to you. As your personal statewide broker, we offer our expertise at no charge any time you need it. And when your policy renews, we’ll review the rate to make sure it is still your best option. Whether you need help with a claim, billing, or making changes to your policy, we’ll be available.