Choosing health insurance is one of the most important decisions you can make to help protect your and your family's health and well-being. It can be hard to find the right plan and understand the details of your coverage but the Pennsylvania Insurance Department is here to provide information and answer any questions you might have along the way.
Why is Health Insurance so Important?
No one plans to get sick or hurt, but most people will need medical care at some point. Health insurance covers essential health benefits, medical care for illness and accidents and protects you from unexpected, high medical costs. Not having insurance can result in large medical bills or avoiding necessary medical care.
How to Get Health Insurance
Pennsylvania offers several options to get you and your family covered. The right option for you will depend on your needs and current circumstances.
Visit the How to Get Health Insurance page to learn more.
Understanding Health Insurance
Health insurance can be difficult to understand. Knowing how to use your insurance, what's covered, and what to do if you have a problem can help ensure you get the medical care you need.
Visit the Health Insurance Literacy page to learn more about health insurance, coverages, and what to do if you have an issue.
Health Insurance Rates
Every year, the Pennsylvania Insurance Department reviews all proposed health insurance rates and changes to existing rates for plans in the individual and small group markets. We have several resources available to help consumers understand this process and obtain information about requested and approved changes to their rates.
Visit the Affordable Care Act Health Insurance Rate Filings page for current rates and more information on the health insurance rate review process.
Information for Employers
If you are an employer looking for information on providing small or large group coverage to your employees visit the Insurance Options for Employers page.
Appeals, Questions, or Complaints
If you have a question or a problem, we can help!