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.