Individual & Family Health Insurance Plans
for PA Residents
The Affordable Care Act, aka Obamacare, is still the law of the land, and is the only avenue to acquire true major medical health insurance!!!!
All individual plans purchased after January 1st, 2014, must follow the rules and regulations set forth by the Affordable Health Care Act (ACA), also known as Obamacare.
The licensed agents of The Health Insurance Store can help you navigate the Marketplace, guide you to the plan that best fits your needs, and ensure your application is done correctly to make sure you avoid mistakes that could negatively affect your tax return.
Your rates are solely determined by your age, household size, and household income. Please refer to the chart below to determine if you may qualify for a premiums subsidy. Federal subsidies can offset the cost off premiums and possibly some out of pocket costs. (Use current chart we have in the What is Obamacare tab)
If you do not have active health insurance on Jan 1st 2018, either through an employer, former employer, COBRA, Medicare, Medicaide, the VA, etc., you will face an IRS penalty. **They are as follows:
Insurance companies can no longer deny coverage or claims based on current health or prior health issues per guidelines of the ACA.
*This service not available at all office locations.
If you want to sign up for an individual or family health insurance plan, feel free to call 724-603-3403 or fill out a quote online for Individual & Family Health Insurance Quote Request.
You must have Medicare Parts A and B and live in the plan’s service area to be eligible to join. People with End-Stage Renal Disease (permanent kidney failure) generally can’t join a Medicare Advantage Plan.
In addition to your Part B premium, you usually pay one monthly premium for the services included in a Medicare Advantage Plan. Each Medicare Advantage Plan has different premiums and costs for services, so it’s important to compare plans in your area and understand plan costs and benefits before you join.
Medicare Advantage Plans must cover all of the services that Original Medicare covers except hospice care. Original Medicare covers hospice care even if you’re in a Medicare Advantage Plan. In all types of Medicare Advantage Plans, you’re always covered for emergency and urgent care. Medicare Advantage Plans must offer emergency coverage outside of the plan’s service area (but not outside the U.S.). Many Medicare Advantage Plans also offer extra benefits such as dental care, eyeglasses, or wellness programs.
Most Medicare Advantage Plans include Medicare prescription drug coverage
(Part D). In addition to your Part B premium, you usually pay one monthly premium for the plan’s medical and prescription drug coverage.
Plan benefits can change from year to year. Make sure you understand how a plan works before you join.
We look forward to providing you with a thorough and competitive Individual & Family insurance quote. Please fill out the form below and one of our agents will contact you soon.
Consultations in our office, over the phone, or in your home are always free of charge.
Our licensed agents are brokers, appointed to sell plans from virtually every company in the market, assuring you get unbiased advice.
Customer service second to none. We have a staff dedicated to helping you with billing questions, prescription issues, denied claims, etc. You will never have to spend time on the phone with insurance companies or billing departments. We take care of that for you with a simple phone call or visit to the office.
We help determine if you qualify for cost saving programs like PACE, PACENET, Extra Help on Prescriptions through Social Security, Part B Assistance, etc., and help you apply.
We review your policy/policies annually, ensuring you always have the best value in coverage year after year.
1105 West 12th Street, Suite – A
Erie, PA 16501
121 North Pittsburgh Street
Connellsville, PA. 15425
21 Yost Blvd., Forest Hills, PA 15221
Mailing Address: 128 Forest Hills Plaza, Pittsburgh, PA 15221
821 Coors Blvd. NW
Albuquerque, NM 87121