Plans in PA's exchange: Personal impressions
Written by Katie Carpenter
Dec 9, 2013 4:18 PM
Emily K.- 35-year-old from Carlisle, PA
"The price for the plans offered to me was significantly cheaper than what I currently pay for individual health insurance. This takes into account that I do not qualify for any type of Federal subsidy to purchase coverage. The benefits are much better as well. I don't have prescription drug coverage now, and the plans offered to me on the PA Marketplace did include this benefit. I am very happy with the selections and am currently comparing provider networks and out-of-pocket costs for 4 different plans at the silver and gold levels."
Mel- Sales representative from Upper Darby, PA
"I am not impressed with the prices and selections. I think the more money one makes, then the more I will pay because the government healthcare subsidies do not apply to the higher income brackets."
Erica- 33-year-old market analyst from Birdsboro, PA
"Coming from the individual insurance market, I found the prices in Berks County to be very reasonable. Paying what I pay now for essentially catastrophic coverage, I can get a silver plan for myself and my two kids. Same price, better plan, with preventative care coverage - that's what's important to me. Also, I was surprised to see several different insurance structures available - from the co-insurance route, to HSA-eligible plans - to plans with fixed fees for certain services like Dr. visits. I'm also going to be able to keep my primary care dr, so I'm happy for that. It's important to note, I found pricing information while not logged in to the site. For many who are doing preliminary research, an account is not needed. I think a lot of frustration could be alleviated if people knew that they could go to https://www.healthcare.gov/find-premium-estimates/ to get a ballpark estimate of prices and the plans available. Now, this doesn't give detailed information on the deductibles and benefits, but I've found valuepenguin.com to be helpful in cross-referencing."
Art- Harrisburg, PA
"The selections were excellent. I was able to narrow down to three choices each of which included my doctors in their network. Price was a little higher than I had hoped but still much lower than I could have found a few months ago given my age and preexisting conditions. I did enroll in a plan."
Susan B.- Direct Support Specialist-Mental Health from Hershey, PA
"It took way too long to finally get to see the plans and prices. I am not eligible for a subsidy, but the BIG advantage of the Marketplace for me is to be able to see prices and compare plan features without having to make multiple phone calls and wade thru' sales talks to get quotes from different companies. Many plans have priced themselves at ridiculous amounts for a single person household. But there are enough affordable ones that offer decent coverage."