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Pennsylvania health insurance alternatives: With the soaring costs of health insurance, there is a growing need for alternatives to the employer based health insurance coverage. The state of Pennsylvania offers some solutions to those unable to afford quality health care on their own. To begin with, there is Pennsylvania Access, or Medicaid. This is income based health insurance coverage provided by the state of Pennsylvania when certain income and employment requirements have been met. There is also CHIP, Children's Health Insurance Program, which provides insurance coverage to all uninsured children and teenagers. Additionally there are an increasing number of health clinics opening up statewide. One type is the urgent care clinic, providing emergency care for those in need. There are also primary care clinics where you can go for basic health care needs. These clinics offer services by nurse practioners or physicians assistants, under the supervision of a physician, at a nominal cash fee. If you do not qualify for the low-cost/no-cost health insurance salternative, you might have to consider a high-deductible/health plan. These are not cushy plans. If you have a health emergency, you will have to pay a high deductible before a coverage kicks in. Before you purchase one, you should try to set up a either a flexible spending account, a health savings account or a health reimbursement account so that you reap whatever tax benefits are available to you for footing the bill for your own insurance. The links are below.
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