Pennsylvania Health Insurance

The Pennsylvania health insurance landscape includes many avenues through which individuals and families may buy health care insurance plans. Residents without access to employer-sponsored coverage can shop for health care plans in the private marketplace and through the federal marketplace exchange. Those who are eligible may apply for public health plans such as Medicaid and CHIP.

HealthCare.org offers free health insurance quotes for Obamacare individual insurance plans, and also provides access to short term health insurance, small employer health plans and Medicaid information.

Pennsylvania and the Affordable Care Act

When the Affordable Care Act took effect and required most Americans to buy health insurance coverage, Pennsylvania elected to use the federal marketplace. When residents enroll in ACA-compliant health plans sold through the health insurance exchange, they can apply for income-based financial assistance that helps lower their monthly health insurance premiums and out-of-pocket expenses for healthcare.

Only marketplace plans are eligible for income-based premium tax credits and cost-sharing subsidies. Individuals and families can find both marketplace, on-exchange plans and private, off-exchange plans at HealthCare.org. For those who qualify for financial assistance, HealthCare.org will connect them to the right exchange to complete their enrollment.

The Small Business Health Options Program (SHOP) provides a way for employers with 50 or fewer full-time employees to offer healthcare benefits that meet federal health insurance standards.

Medicaid expansion in Pennsylvania

Pennsylvania is one of many states to have expanded Medicaid to single, low-income adults since Obamacare took effect. Residents that want to apply for Medicaid must meet certain eligibility criteria set by the state.

Pennsylvania CHIP

Pennsylvania Children’s Health Insurance Program (CHIP) provides low-cost health insurance for eligible children.

Get free quotes on Pennsylvania health insurance plans from leading companies, and apply for health care coverage directly online.

Health Information

The United Health Foundation has ranked Pennsylvania as the 28th healthiest state in the Country. What does this mean for Pennsylvania residents? It means that overall, health indicators as compared to the rest of the country, are slightly worse in 2014 than they were in 2007, when the state was ranked as the 27th healthiest state. Nevertheless, Pennsylvania is still a relatively healthy place to live, and could be an even healthier place, if they manage to work on the health issues that have dragged them down for the past eight years.

The state’s scarce funding is one of the biggest issues currently, as it’s one of the health indicators that have reduced consistently over the past years. The health system’s adequacy has not been sacrificed yet, but it could see a decrease in the future. Preventive health and healthier lifestyles are also a factor that could improve the health’s status, especially when it comes to the percentage of obesity among residents, which has more than doubled over the past 20 years. Pennsylvania is on the verge of either achieving great progress or falling further down in the health rankings of the country. It’s up to their residents and Health system to decide which way they wish to go by the actions they take this year.

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Insurance and Department of Health Information

Pennsylvania Insurance Department
1326 Strawberry Square
Harrisburg, PA 17120
Phone: (877) 881-6388
http://www.insurance.pa.gov

Pennsylvania Department Of Health
Health and Welfare Building
7th & Forster Streets
Harrisburg, PA 17120
1-877-PA-HEALTH
http://www.health.pa.gov