Are you in the market for health insurance for you or your family? The Pennsylvania Insurance Department has resources to help you shop for health insurance.
Choosing health insurance is one of the most important
choices you can make to help protect the health and well-being of you and your
There are various types of health insurance and ways to
obtain coverage, and there are many factors you should consider when deciding
which path is best for you. The Pennsylvania Insurance Department is here to
help so you may make the best decision for your individual situation.
The Affordable Care Act established an individual mandate
for all Americans, which requires that you purchase health insurance. If you do
not purchase health insurance, you may have to pay a penalty to the Internal
Revenue Service (IRS), so make sure you understand your options and stay
enrolled in coverage. 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.
The Pennsylvania Insurance Department reviews rates for
individual and small group plans available on the federal marketplace. Approved
rates for 2016 were released on October 15, 2015 and may be viewed here. For
more information on how these rate changes may affect you, view potential
premiums by the area in which you live.
Open enrollment for 2016 health insurance coverage runs from
November 1 through January 31, but you must purchase by December 15 in order to
have coverage that begins on January 1. For more information on how to shop for
health insurance, view our video above or read our shopper’s guide.
If you are looking for coverage through Medicaid, visit the
Pennsylvania Department of Human Services’s PA Health Choices website. If you are
looking for CHIP coverage for your child(ren), visit www.chipcoverspakids.com.
Once you obtain health insurance, it is very important that you learn how to use it. Check out this guide from the federal Department of Health and Human Services on how to turn your coverage into care.
Click the image below to view the Insurance Department's video on How To Use Health Insurance:
The Insurance Department is currently working to provide
more thorough content related to health insurance and options for consumers, so
check back soon. In the meantime, if you have questions about your coverage,
contact the department at 1-877-881-6388 or online here.
If you are a college student or young adult looking for more information on health insurance, read Commissioner Miller's letter to college students