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Obamacare in Pennsylvania

Pennsylvania is one of the states that has fully embraced the Affordable Care Act, more commonly referred to as Obamacare. As of writing, there are 472,697 beneficiaries that use Obamacare as their primary health insurance plan. Pennsylvania has 15 different insurance providers in the state, an increase from previous years. Because of the success of Obamacare in Pennsylvania, the state has also received a substantial amount of support from the federal government. Currently, the state has been given approximately 34 million for grants, research, planning, and technology development for the health insurance marketplace. More information about Obamacare in Pennsylvania is covered in the following topics:

  • Did Pennsylvania accept the Obamacare Medicaid expansion?
  • Does the state or federal government run the health insurance exchange in Pennsylvania?
  • Eligibility for Obamacare in Pennsylvania
  • How to apply for Obamacare in Pennsylvania
  • Health plan cost and availability in Pennsylvania

Did Pennsylvania Accept the ACA Medicaid Expansion?

What is the Obamacare Medicaid expansion? The Affordable Care Act Medicaid expansion is part of Obamacare that was made optional to each of the states. The Obamacare Medicaid expansion is used in the state of Pennsylvania. Most of the Obamacare Medicaid expansion details focus on changing the requirements for getting Medicaid.

Many Pennsylvanians would like to know what is the expansion of Medicaid.  The largest change is that applicants who make a salary below 133 percent of the federal poverty level can automatically become eligible for Medicaid coverage. This policy has helped many individuals and families who would previously be denied because of their lower income. Applicants who are trying to obtain expanded Medicaid benefits can check the Obamacare Medicaid application for specific details, including Obamacare Medicaid eligibility in Pennsylvania.

One of the initial concerns by all state legislatures was the ACA Medicaid expansion cost to states, which is why there are some states that have declined to introduce the Medicaid expansion. The federal government provided funding for the first few years of coverage. In following years, the government still provides a substantial amount of funding for expanded Medicaid. In 2017, the federal government will pay 90 percent of the costs. In addition, there are policies like the 80/20 policy, which says that health insurance providers have to spend 80 cents of every dollar of profit on improving healthcare services in some way.

Does the State or Federal Government Run the Health Insurance Exchange in Pennsylvania?

What is the marketplace for health insurance in PA? Pennsylvania uses an online service known as the Obamacare health insurance exchange to help applicants sign up for Obamacare coverage. What is the health insurance exchange? The Obamacare healthcare marketplace uses the exchange as an online database. The health insurance exchange collects information about all of the different insurance providers and each of their plans in the applicant’s county. It also helps applicants discover what kind of discounts or tax credits are available to them.

States are given the option of running their own health insurance exchange, or simply letting the federal government do it for them. Very little changes if a state decides to run the health insurance exchange themselves. Many states, including Pennsylvania let the federal government run the health insurance exchange for them. That way, the state does not have to worry about health insurance exchange regulations and the upkeep of the website.

Eligibility for Obamacare in Pennsylvania

What applicants want to know is who is eligible for Obamacare, and what are the requirements to apply for Obamacare in Pennsylvania? When planning for Obamacare, it was very important to make how to qualify for Obamacare as simple as possible. One of the key features of Obamacare is the low Obamacare coverage eligibility requirements. It was meant to be available to as many people as possible, ensuring that everyone had a chance at some kind of healthcare coverage. Anyone that is a legal United States citizen, a resident of Pennsylvania, and not incarcerated, is eligible for some form of Obamacare coverage.

The application does ask several questions regarding income. Obamacare income requirements only exist to determine what kind of discounts or tax credits the applicant is eligible for. An applicant cannot ever be denied at least some basic form of coverage because of his or her income.

How to Apply for Obamacare in Pennsylvania

Applicants usually have a few questions when it comes to how to apply for Obamacare insurance in Pennsylvania. One of the first questions that comes up is “What do I need to apply for Obamacare insurance?” How to enroll in Obamacare is a fairly easy process. What is needed to sign up for Obamacare in Pennsylvania? Applicants will want to have past financial information when they are trying to register for health insurance. This includes past pay stubs and tax records. Applicants wondering how to get Obamacare should also bring past insurance information, especially if they have an existing medical condition.

A more specific question that applicants usually have is “Can I apply online for Obamacare insurance?” Online applications through the Pennsylvania health exchange is one of the most common ways to apply. Applicants can also print off the forms to send in by mail, or get them from an insurance agency. Applicants that want a little more help with the application have a few other options on where to apply for Obamacare in Pennsylvania. These applicants can apply over the phone, or go down in person to get direct help from a health insurance agent.

Health Plan Cost and Availability in Pennsylvania

What applicants want to know is “How much will Obamacare insurance cost me in Pennsylvania?” To determine how much does Obamacare cost each person individually, the applicant will have to provide information about a few factors. Potential candidates can get Obamacare health insurance price estimates from entering some financial information and looking at the available plans on the health insurance exchange. Some plans will cost more because they provide more coverage. Some Obamacare health insurance plans costs will also be drastically lowered after the applicant has used discounts and tax credits.

Pennsylvania has 15 different insurance providers, each offering many different plans, and is one of the better states as far as selection goes, since there are over 40 different insurance plans. Approximately 80 percent of all beneficiaries qualify for $226 each month in tax credits. In addition, 51 percent of beneficiaries pay $100 or less after applying tax credits.