Obamacare, otherwise known as the Affordable Care Act, requires all U.S. residents to have an active health insurance policy as of 2014. This means that if you live in the state of Pennsylvania and you do not have qualifying health coverage or “minimum essential coverage”, you will be fined either a flat fee of $695 or 2.5% of your income - whichever is higher - to be paid when you file your 2016 federal tax return.
Of course, the chocolate capital has the sweetest insurance options, welcome to Pennsylvania!
Don’t Have Qualifying Health Coverage?
The enrollment deadline for 2016 insurance ended January 31, 2016. If you didn’t get health insurance coverage during the enrollment period, you may be able to decrease your fine and begin coverage if you’ve had a qualifying life event.
Qualifying Life Events for a Special Enrollment Period
If you’ve experienced any of these qualifying life events, you may be able to add or change your health insurance coverage during a special enrollment period.
- Loss of health coverage
- Change in household size
- Change in residence
- Exceptional Circumstances
See more details about Qualifying Life Events
Have more questions about qualifying life events? Talk with an advisor (888) 554-3287.
2017 Open Enrollment for Pennsylvania Health Insurance
We are fast approaching the enrollment period for 2017 Pennsylvania health insurance, which is November 1, 2016 to January 31, 2017. The penalty for not having health insurance coverage during 2017 will be a bit different than 2016. The 2.5% of income percentage fee will still remain and the $695 flat fee will be adjusted for inflation. You will pay whichever of the two is higher.
Understand Your Pennsylvania Health Insurance Options
There are many options when it comes to buying affordable Pennsylvania health insurance. Most of your insurance decisions should be made based upon your current finances, financial goals, employment, marital status, children, age, health conditions, and planned or anticipated life events and medical needs.
Because there are many health insurance options, the most common types, plans, and FAQs and terms are outlined in a simple way below. Choose which area of Pennsylvania health insurance that you’d like to learn more about and click for more information.
Private Health Insurance Options
Learn more about Pennsylvania Private Health Insurance Plans
Have an Advisor Talk you Through Your Options and Get a Quote
Public Health Insurance Programs
Learn more about Pennsylvania Obamacare, Medicaid, and Medicare
Pennsylvania Private Health Insurance Plans
Want to learn more about different private health insurance plans in Pennsylvania? This Pennsylvania private health insurance page will talk you through the difference between PPO and HMO plans, along with their pros and cons. Ever heard of an EPO or POS plan? We discuss those too. We also cover FSA, HSA, Flexible Benefits Plans, and Medical Savings Accounts (MSA), the pros and cons of each kind of plan, and why you would want to choose one over the other.
Learn more about Pennsylvania Private Health Insurance Plans
Pennsylvania Private Health Insurance Companies
If you are looking for private health insurance coverage in Pennsylvania then you’ll want to know which providers are offering coverage plans in 2017 and at what rates. Because some health insurance companies are leaving the Pennsylvania exchange in 2017 and most of those that are staying are shifting their plan rates, you’ll want to see the following pages.
See 2016 and 2017 Pennsylvania Private Health Insurance Companies
See how much Pennsylvania plan rates will change from 2016 to 2017
Get a Pennsylvania Health Insurance Quote Now
Pennsylvania Health Insurance Marketplaces and Exchanges
If you’ve ever found health insurance terms to be confusing, you are not alone. Terms like “marketplace” and “exchange” are used by both private and public health insurance companies when presenting their plans, and navigating the many options can sometimes feel like a battle of endurance.
Check out our page on Pennsylvania health insurance marketplaces and exchanges to answer common questions like:
- What are health insurance marketplaces and exchanges?
- What are Private Exchanges?
- What are Public Exchanges?
- What is the difference between private exchanges and public exchanges in Pennsylvania?
Learn More About Pennsylvania Health Insurance Marketplaces and Exchanges
