Health Insurance in Pennsylvania

Find plans and read reviews from the largest and best rated medical providers in Pennsylvania.

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Pennsylvania Overview

Pennsylvania has a wide variety of health insurance plans available, from group plans to private coverage. It is important to be informed about what is offered and how different plans work in order to make the best choice for you and your family. Learning about health insurance can help you understand what type of coverage you need, as well as which providers offer the best benefits at the most affordable rate. Knowing more about health insurance in Pennsylvania will also help you make sure you are getting the protection you need without overpaying.


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Healthcare by the Numbers

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Healthcare Quotes

Total Residents in Pennsylvania in 2023

According to the latest projections from the U.S. Census Bureau, Pennsylvania’s population is expected to reach 13 million by 2023. This marks an increase of nearly 500,000 residents compared to 2020 estimates. As the nation’s sixth most populous state, Pennsylvania will continue to experience growth over the next few years due to factors such as migration, job growth and improving quality of life. With more people living in Pennsylvania, it is important to stay informed on issues related to healthcare, housing and other necessary services.

Total Uninsured Pennsylvania Residents

According to the most recent data from the U.S. Census Bureau, 8.8  of Pennsylvania residents were uninsured in 2020. This rate is slightly higher than the national average of 8.9 , signifying that there are still a large number of individuals without access to healthcare in the Keystone State. To combat this issue, Pennsylvania has increased access to Medicaid and introduced state-funded assistance programs for those who are ineligible for government coverage or have other financial difficulties. It is essential that all Pennsylvanians have access to quality medical services and receive the care they need when illness or injury strikes.

Living in Pennsylvania
(image via Wikimedia Commons)

Average Annual Employee Premium in Pennsylvania Employer-sponsored Plan (After Employer Contribution)

On average, Pennsylvania employees pay $5,678 annually for employer-sponsored health insurance after their employers make contributions. This is slightly lower than the national average of $5,882 per year. However, premiums continue to rise in the state, making it increasingly difficult for many employees to keep up with the expenses of medical coverage. In an effort to help offset these costs, some employers offer additional subsidies and tax credits that can help lower the cost of employee premiums.

Finding Health Coverage In Pennsylvania

When you rely on FirstQuote Health to find affordable health coverage in Pennsylvania the process is easier than you think. We’re here to help you find plans that work for you and your needs. We’ll help you look over all of the details and provide you with the guidance you need to make the right decision for your health.

Coverage available in your area may vary by county, so it’s important you provide us with accurate information about where you live in Pennsylvania.

Whether you’re looking for an HMP, PPO, or you just don’t know: we can help you find the coverage you need and put you in touch with insurance experts in Pennsylvania and they’ll get you signed up with a plan.

Short-Term Health Insurance Pennsylvania

Short-term health insurance plans are available to Pennsylvania residents looking for coverage on a temporary basis. These plans offer limited benefits and typically last for up to six months, allowing individuals and families to bridge the gap between jobs or cover medical expenses that wouldn’t be covered by a traditional health plan. However, it’s important to note that these plans don’t meet the Affordable Care Act requirements and may not cover pre-existing conditions or certain types of care.

Pennsylvania Open Enrollment Period

The open enrollment period for Pennsylvania residents in 2023 is November 1 to December 15. During this time, individuals and families are able to compare plans and purchase coverage through the state’s health insurance marketplace. It is important that Pennsylvanians review all available options carefully before making a decision, since this will be the only opportunity during the year to sign up for or switch plans. Health insurance customers should note that coverage does not begin until January 1 of the following year.

Many people in Pennsylvania look at the marketplace first when shopping for affordable health insurance. When companies off plans through an exchange, they have to abide by the federal rules, which they are not allowed to deny coverage or charge more based on medical history. If you have chronic or pre-existing health conditions, the marketplace is where you should start.

If you are looking to spend the least amount of money, you may be able to qualify for Medicaid, which you can apply for through the marketplace. On top of applying for Medicaid, on Pennsylvania’s health exchange you can qualify for government subsidies to help your wallet out.

Health Insurance Companies in Pennsylvania

If you are happy with the coverage you have or are short on time, you can enroll with Pennsylvania’s most well-known insurance companies. Pennsylvania has extraordinary options when it comes to providers, including companies you should recognize. If you are looking to enroll quickly, below is a list of the top health insurance companies in Pennsylvania:

  • Independence Blue Cross
  • Highmark
  • UMPC Health

If you enroll with one of these health insurance companies directly, it is important to do your research. Just because you recognize the provider, does not mean it is the right fit for you. Everyone has different healthcare needs, so make sure to check out a few options to find the best, most affordable one for you.

In order to find if the provider is the right fit, you can do a quick search online. Current and past customers leave their experiences with their companies on review sites which will give you a more personal feel to see if this is the right option for you. You can also look into health insurance companies, like FirstQuote Health to read reviews about these providers.

Frequently Asked Questions

How To Get Health Insurance in Pennsylvania?

Comparing plans from several companies while shopping for new medical insurance is the greatest way to ensure you get health insurance in Pennsylvania. By comparing guidelines, you can observe which companies give greater attention to your region and age. Then, based on your requirements and specifications, you can select the policy that is most appropriate for you.

Does Pennsylvania Require You To Have Health Insurance?

As of January 1, 2019, health insurance is no longer mandatory at the federal level. However, there are still some states that require residents to enroll in medical coverage as of 2020. If you are a resident of any of the mentioned states, and you forgo health coverage, you will face a tax penalty, unless you qualify for an exemption. Those states include:

  • California
  • Massachusetts
  • New Jersey
  • Pennsylvania
  • Vermont
  • Washington DC

How Much Does Health Insurance Cost in Pennsylvania?

Health insurance plans in Pennsylvania for 2023 come in four tiers - bronze, silver, platinum, and gold. The cheapest bronze plan starts at $250 per month for a single adult, with the silver plan starting at $295 per month. The more comprehensive platinum plan is priced at $382 per month, while the most comprehensive gold plan starts at $456 per month. It’s important to note that these prices may vary depending on factors such as individual age or tobacco use.

How Has Obamacare Helped Pennsylvania Insurance Rate

The Affordable Care Act, also known as Obamacare, has helped to reduce the cost of health insurance in Pennsylvania. The law requires that states offer subsidies to help lower-income residents pay for high premium plans. It also expanded Medicaid coverage and made it easier for seniors to find affordable insurance options. This increased access to healthcare has resulted in more competition among insurers and a decrease in rates for coverage across the state.

Health Insurance in Pennsylvania

Find plans and read reviews from the largest and best rated medical providers in Pennsylvania.

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