Your Pennsylvania health insurance and Obamacare

Obamacare, also known as the Affordable Care Act, was intended to help Americans access and afford health care. One way it does that is to make Pennsylvania health insurance more affordable and set guidelines that are consumer friendly.

Back in the day it was not unusual for a health plan to refuse to cover someone with a pre-existing condition. The burden of potentially costly health care was left for the patient to pay, entirely. That cannot happen any longer.  Pennsylvania health insurance companies may not deny coverage to anyone with a pre-existing condition.

Similarly, if someone becomes ill, an insurance company may not drop them from the policy. They can’t limit the amount of insurance that patient uses, either. Both of these scenarios were not uncommon before the Act but they are now illegal.

Let’s say you change jobs and need to change Pennsylvania health insurance companies. You’re worried because your child has a chronic illness and in the past, your child was denied coverage. That can no longer happen, either.

One compelling reason for these kinds of changes is that the most frequent cause of bankruptcy is medical expenses. Without coverage, medical bills mount and can devastate a family financially. Now, those who have been denied coverage can get it.

Positive health insurance changes

If you’d like to cover your adult child on your insurance, you can, until he or she is 26. They can be added to your policy (for a fee) and it makes no difference if they are married or even where they live.  If an adult child is in grad school or has some other reason why insurance is hard to get, he or she can be covered until age 26.

No more surprise rate hikes

If you’ve ever been blindsided by a rate hike, you won’t be any more, since the Affordable Care Act says that insurers are required to obtain state approval for any rate changes.  It also mandates that insurance companies spend at least 80 percent of their premiums on the provision of actual medical benefits, rather than on advertising or salaries for management. It’s got teeth, too: if they do not comply, the overage must be paid back to policy-holders.

Health insurance for seniors

Medicare recipients can get wellness and preventive care visits for free under Obamacare.

Today, more consumers than ever before have access to Pennsylvania health insurance at  Over time, that will mean a more healthy population.