It may become evident that you and your family's best healthcare interests lie in finding low-cost health insurance. Pennsylvania is one of several states that decided to use the Federal Exchange, of the Affordable Care Act, to help residents find insurance as required by the individual mandate of the Affordable Care Act, also known as Obamacare. But where can you find that affordable option? And what do the costs consist of?
One of the thousands of licensed, knowledgeable agents at HealthMarkets Insurance Agency can help you discover all your options for low-cost health insurance. Licensed agents in Pennsylvania are ready to help you right now. We’re available in person or over the phone and always provide personalized assistance to meet your unique insurance needs.
How to Focus on Low-Cost Insurance Options
When it comes to cost, there are a few important things to focus on as you shop for an insurance plan:
- Monthly premium: The monthly premium is the amount you pay for the insurance coverage, whether you use it or not.
- Deductible: The deductible is the amount you must pay before the insurance company will accept claims for some medical services.
- Other out-of-pocket costs: You may incur other out-of-pocket costs besides the deductible, such as copayments and coinsurance.
- Benefits: Not all insurance plans provide coverage for everything you may need, such as specific medical devices or prescriptions. Be sure the plan you choose provides everything you need to stay healthy.
Pennsylvania also offers some specific insurance programs for residents who have limited incomes or certain medical conditions. Some of these programs include CHIP (Children’s Health Insurance Program), PA Fair Care for those with pre-existing conditions, PACE for prescription assistance, and, of course, Medicare. When searching for low-cost health insurance, Pennsylvania residents can count on HealthMarkets’ user-friendly online shopping experience. We’ve created a portfolio of products from 180 national and regional insurance companies.
Take a look at what Daisy from Hanover, NH, had to say: “HealthMarkets found a plan that covered our needs and was hundreds less than our old plan.”