Professional enrollment support is available for all of the benefit plans listed on this page. Send your question by e-mail or live online chat.   Most Liberal Eligibility Basic Health Insurance Core Health Insurance Pre-existing Condition Insurance Plan Value 24 Hour Accident Value Emergency Room Most Affordable Basic Health Insurance Secure Lite STM Secure Saver STM Value Med Insurance Long Term Major Medical Celticare Celtic Basic Health Insurance UnitedHealthcare Dental Insurance Secure DentalOne Online Life Insurance Great Start Child Life Insurance Guarantee Trust term life Insurance International Term Life Simple whole life insurance

Pennsylvania Affordable Health Insurance Exchange Pennsylvania has more than 100 commercial health insurance companies that offer individual health insurance as well as state-sponsored welfare plan run by Independence Blue Cross that provides guaranteed issue coverage to low income residents. The standard health insurance plans may not be suitable or affordable to all residents. This Web page lists some of the most popular low cost commercial health insurance plans and related benefits. All of these policies offer secure online enrollment and professional OnlineAdviser personal enrollment support. Please note that while many of these choices could be included in more than one of the suggested usage categories, each plan is listed only once for the sake of brevity. Your enrollment adviser is available to discuss suitability of any plan for your specific situation. Pennsylvania insurance & benefit news Pennsylvania had the 22nd highest health insurance costs of all states in 2008 with an average family premium of $12,339 per year. (The average annual premium for a U.S. family covered under an employer-sponsored health plan in 2008 was $12,298 according to The Commonwealth Fund report. The overall quality of health care ranked 15th out of the 51 states (including DC). Pennsylvania regulates the benefits required for both individual major medical and group health insurance plans, known as "mandated benefits". Short Term Insurance American Health Shield Celtic Insurance Secure STM Simple STM Intermediate Term Inbound Immigrant Secure 12x3 STM Supplemental Insurance Smart Accident Insurance Value Access Guarantee Pennsylvania Insurance Law The Pennsylvania Department of Insurance Web site contains an online form to allow consumers to ask an insurance question. The full text of Pennsylvania insurance laws and regulations is available online. The Web site has not yet developed resources to help individuals find commercial low cost health plans like mini-med or core coverage, specific illness policies, supplemental insurance and basic health insurance. The state insurance department can be reached by telephone at (717)-787-2317 or by mail at 1209 Strawberry Square Harrisburg, PA 17120. The state children's health insurance plan (CHIP) Web site is Pennsylvania Children's Health Insurance Plan. Non-insurance Discount Plans Benicard Careington PPO Discount Plans Drug Card America Essential Dental Solutions Rx Pay Card See International Coverage and Travel Insurance Listings

Consumer Insurance Issues

6/28/2010 High Risk Health Insurance: Up to 5,600 Pennsylvania residents with significant ongoing medical expenses ineligible for other coverage will soon be eligible to purchase health insurance under the federal health insurance reform program. Individual open enrollment health insurance is offered regardless of previous medical conditions except that those currently confined to a health care facility due to chronic illness or permanent injury are not eligible. Premium rates are currently $629 per month for basic adult coverage but the cost may be reduced by federal health insurance reform funds available until 2014. The subsidy funds from the federal government are expected to total more than $29,000 per participant in the high risk health plan over the next three years for each expected participant in the plan. Coverage may be limited for pre-existing conditions for the first 12 months if the applicant is currently uninsured or there is a gap in previous recent coverage greater than 63 days. Otherwise, a three month waiting period applies to pre-existing medical conditions. The plan administrator has not been announced so quotes and enrollment forms are not yet available.

5/14/2010 Diabetes Coverage: A new resource to help find health insurance for diabetics in Pennsylvania is now available at Freedom Benefits.

5/10/2010 Diabetes Coverage: Diabetes Coverage: A new resource to help find health insurance for diabetics in Pennsylvania is now available at Freedom Benefits.

3/23/2010 Pennsylvania and ten other states including Alabama, Florida, Michigan, Nebraska, North Dakota, South Carolina, South Dakota, Texas, Utah and Washington will make a joint legal challenge to the federal health reform bill on the basis that it improperly usurps state sovereignty over health insurance and that requiring health insurance is an illegal and improper government action.