What 'private health insurance' means in Pennsylvania
Major-medical plans sold outside Pennie by carriers that lease national PPO networks — in Pennsylvania, Cigna, Aetna and PHCS PPO. They cover doctor visits, hospitalization, surgery, prescriptions and preventive care, with deductibles and an out-of-pocket maximum. Because they're medically underwritten, healthy applicants are priced lower than a guaranteed-issue pool.
Who qualifies
Generally healthy applicants, ages 18–64, with no major pre-existing conditions. There's a short health questionnaire and a prescription-history check; no exam. Serious conditions can be declined or excluded — if that's your situation, the marketplace is the right answer and we'll say so.
What they cost in Pennsylvania
Individuals roughly $290–$600 a month by age and deductible; families roughly $800–$1,300. Enroll any month; apply by the 20th for the 1st. See live prices on our quoting tool.
Pennsylvania runs its own marketplace, Pennie, and hospital systems like UPMC and Jefferson are so central that many buyers choose a plan around their doctors — which is exactly what a PPO network question looks like.