How To Buy Health Insurance In Pa

People who buy an individual health plan through the aca exchanges may be eligible for subsidies that reduce the cost of premiums.

How to buy health insurance in pa. You may obtain health insurance coverage through an employer if they offer it or from the federal health insurance marketplace at www healthcare gov during open enrollment. This includes people who are self employed people who are employed by a small business that doesn t provide health insurance benefits and early retirees who aren t yet eligible for medicare. The marketplace pennie is used by people who purchase their own health insurance. Pennsylvania residents can purchase short term health insurance through providers outside of the health exchange. Pennsylvania s health insurance market can be broken down into medicaid and chip medicare and commercial fully insured and self insured.

You have more insurance options for your health than you think pennsylvania. Monthly premiums when you buy insurance the monthly bill from your insurance company is called a premium. Aetna offers health insurance as well as dental vision and other plans to meet the needs of individuals and families employers health care providers and insurance agents brokers. Insurance companies set a base rate for everyone who. Open enrollment through pennie will run nov.

Sometimes a premium is called the sticker price like when you buy a car because it s the first price you see but it is not the total cost of your healthcare. As noted above you ll have to wait until open enrollment november 1 through december 15 in most states to buy health insurance coverage and the plan won t take effect until january 1. The aca allows tax credits and subsidies for anyone with an exchange plan whose income is below 400 of the federal poverty level. The path to healthy starts here. Depending on the market and type of insurance there are different ways to obtain coverage and there are many factors that you need to consider when deciding which path is best for you.

Approved rates for 2016 were released on october 15 2015 and may be viewed here. If you re self employed or without insurance from your employer in other words you re looking for individual or family health insurance in pennsylvania you might be looking for affordable care act insurance what s often called obamacare. These policies which can be purchased at any time during the year might be a good option if you missed the open enrollment period or lost employer sponsored coverage.