Health Insurance Tips

WE CAN HELP — Our health care experts are working to provide you with the resources you need to make the most of new health care consumer protections and tools.

Get The Best Deal On Health Insurance

Looking for health coverage? The Health Insurance Marketplace could save you time and money.

1. Check out options at the Health Insurance Marketplace. The plans include coverage for doctor visits, hospitalizations, maternity care, emergency room care, prescriptions and more.
Online
: HealthCare.gov
Toll free: (800)318-2596  TTY: (855) 889-4325

2. Find out about financial help that’s available. At the Health Insurance Marketplace, you can find out if you qualify for financial assistance to lower your costs.

3. Use the Health Insurance Marketplace to compare plans side-by-side. The new marketplace lists your options on one website, and shows what each plan covers.

4. Take advantage of expert help in-person, online, or by phone. Specially trained people are available in communities across the country to help you apply and understand your options. Find them at LocalHelp.healthcare.gov.

5. Don’t take no for an answer. For coverage starting January 2014, insurance companies can no longer deny you due to a pre-existing condition.

6. Keep in touch. Check for updates on our website, and tell us about your experience. We want to hear what you think so we can spot trends and advocate for ongoing improvements. Contact us.

HEALTH CARE CONSUMER PROTECTIONS

If you have coverage, you already have protections under the health care law, such as:

  • Children and young adults can stay on their parents’ plan until age 26
  • Free preventive care, including check-ups and vaccinations
  • Insurance companies can’t set a lifetime cap on what they’ll pay if you get sick
  • Rebates if your insurance company spends less than 80% of premiums on care

Plus, new protections for coverage effective January 1, 2014 include:

  • Insurers can’t deny anyone coverage for having a “pre-existing condition”
  • No more annual caps on what your insurer will pay if you get sick
  • Insurance companies can’t charge women more than men for coverage

See more information about the health care law, the Affordable Care Act

 

Issue updates

Report | PennPIRG | Health Care

The Real Price of Medications

People living in the United States have access to some of the best medical care in the world, from life-saving drugs to cutting-edge surgical techniques. But our system is deeply flawed, with spiraling costs forcing many Americans to spend more on care and often receiving poor quality care for all the extra money spent.

> Keep Reading
News Release | PennPIRG Education Fund | Health Care

Prices of common medications can vary by hundreds of dollars

While many Americans struggle to afford their prescription drugs, PennPIRG Education Fund’s survey of retail prices of commonly-prescribed medications found patients can save hundreds, even thousands of dollars in some cases by shopping around at pharmacies within their communities.

> Keep Reading
News Release | U.S. PIRG | Public Health, Consumer Protection, Health Care

Second recall of King Bio’s homeopathic drugs in the past month

King Bio Inc. issued the second significant voluntary recall since late July of their homeopathic drugs on Wednesday. Safety concerns over homeopathic drugs extend beyond King Bio as over the past several years, the FDA has issued recalls to several companies for a variety of health products from zinc-containing intranasal medicine to asthma drugs with toxic ingredients. 

> Keep Reading
Report | PennPIRG Education Fund and Demos | Health Care

Pennsylvania lives at risk

The United States Congress is currently considering so-called “regulatory reform” legislation that would add new bureaucratic hurdles to stall and, in some cases, stop the creation of new safeguards and standards that hold corporations accountable and protect the public. According to our analysis, the result would be demonstrable harm for the people of Pennsylvania.

> Keep Reading
News Release | Health Care

Nationwide study of new health exchanges shows Pennsylvania how to lower costs for consumers

Philadelphia, PA – Many states are creating health exchanges to deliver better value for consumers, and Pennsylvania should follow their lead, according to Making the Grade, a new report by PennPIRG. Health exchanges are competitive marketplaces that can empower individuals and small businesses with better, more affordable options for coverage.  Under the federal health reform law, each state will have an exchange up and running in 2014.

> Keep Reading

Pages

News Release | PennPIRG Education Fund | Health Care

Prices of common medications can vary by hundreds of dollars

While many Americans struggle to afford their prescription drugs, PennPIRG Education Fund’s survey of retail prices of commonly-prescribed medications found patients can save hundreds, even thousands of dollars in some cases by shopping around at pharmacies within their communities.

> Keep Reading
News Release | U.S. PIRG | Public Health, Consumer Protection, Health Care

Second recall of King Bio’s homeopathic drugs in the past month

King Bio Inc. issued the second significant voluntary recall since late July of their homeopathic drugs on Wednesday. Safety concerns over homeopathic drugs extend beyond King Bio as over the past several years, the FDA has issued recalls to several companies for a variety of health products from zinc-containing intranasal medicine to asthma drugs with toxic ingredients. 

> Keep Reading
News Release | Health Care

Nationwide study of new health exchanges shows Pennsylvania how to lower costs for consumers

Philadelphia, PA – Many states are creating health exchanges to deliver better value for consumers, and Pennsylvania should follow their lead, according to Making the Grade, a new report by PennPIRG. Health exchanges are competitive marketplaces that can empower individuals and small businesses with better, more affordable options for coverage.  Under the federal health reform law, each state will have an exchange up and running in 2014.

> Keep Reading
News Release | Health Care

CBO’s estimates on health insurance premiums

Today’s CBO report is great news. A majority of individuals purchasing individual or family health insurance in the exchange would receive reductions of 56 to 59 percent in premiums below what they would pay under current law.

> Keep Reading
Media Hit | Health Care

Edinboro businesswoman visits Washington to discuss health-care reform

Zimmer is one of about 110 small-business owners traveling to Washington, D.C., to see their respective congressional leaders. Their trip is an effort by the U.S. Public Interest Research Group to show Congress that these business people want health-care reform.

> Keep Reading

Pages

Report | PennPIRG | Health Care

The Real Price of Medications

People living in the United States have access to some of the best medical care in the world, from life-saving drugs to cutting-edge surgical techniques. But our system is deeply flawed, with spiraling costs forcing many Americans to spend more on care and often receiving poor quality care for all the extra money spent.

> Keep Reading
Report | PennPIRG Education Fund and Demos | Health Care

Pennsylvania lives at risk

The United States Congress is currently considering so-called “regulatory reform” legislation that would add new bureaucratic hurdles to stall and, in some cases, stop the creation of new safeguards and standards that hold corporations accountable and protect the public. According to our analysis, the result would be demonstrable harm for the people of Pennsylvania.

> Keep Reading
Report | PennPIRG Education Fund | Health Care

Making the Grade

When it comes to health care, there are few magic-bullet solutions for the many problems consumers face in the marketplace: insurers don’t compete for their business, leading to higher prices and lower quality. Important information about coverage is buried in the fine print, making it hard to know what’s really covered or which plan is right. And costs are continuing their unsustainable rise.

> Keep Reading
Report | PennPIRG Education Fund | Health Care

The Young Person's Guide to Health Insurance

Starting this year, under the new health care law, young people will gain access to new, previously unavailable health insurance options. To make the most of those new choices, you need to learn the facts. This guide is designed to help you do that.

> Keep Reading
Report | PennPIRG Education Fund | Health Care

Delivering on the Promise

The recently passed federal health care reform law will make significant changes in how health insurance and health care work for consumers, businesses, and local and state governments, as well as how insurers and providers operate. But whether Americans experience improved care, lower costs and greater access depends largely on what happens next.

> Keep Reading

Pages

Report | PennPIRG

People living in the United States have access to some of the best medical care in the world, from life-saving drugs to cutting-edge surgical techniques. But our system is deeply flawed, with spiraling costs forcing many Americans to spend more on care and often receiving poor quality care for all the extra money spent.

News Release | PennPIRG Education Fund

While many Americans struggle to afford their prescription drugs, PennPIRG Education Fund’s survey of retail prices of commonly-prescribed medications found patients can save hundreds, even thousands of dollars in some cases by shopping around at pharmacies within their communities.

News Release | U.S. PIRG

King Bio Inc. issued the second significant voluntary recall since late July of their homeopathic drugs on Wednesday. Safety concerns over homeopathic drugs extend beyond King Bio as over the past several years, the FDA has issued recalls to several companies for a variety of health products from zinc-containing intranasal medicine to asthma drugs with toxic ingredients. 

Report | PennPIRG Education Fund and Demos

The United States Congress is currently considering so-called “regulatory reform” legislation that would add new bureaucratic hurdles to stall and, in some cases, stop the creation of new safeguards and standards that hold corporations accountable and protect the public. According to our analysis, the result would be demonstrable harm for the people of Pennsylvania.

News Release

Philadelphia, PA – Many states are creating health exchanges to deliver better value for consumers, and Pennsylvania should follow their lead, according to Making the Grade, a new report by PennPIRG. Health exchanges are competitive marketplaces that can empower individuals and small businesses with better, more affordable options for coverage.  Under the federal health reform law, each state will have an exchange up and running in 2014.

View AllRSS Feed

Support Us

Your tax-deductible donation supports PennPIRG Education Fund's work to educate consumers on the issues that matter, and to stand up to the powerful interests that are blocking progress.

Learn More

You can also support PennPIRG Education Fund’s work through bequests, contributions from life insurance or retirement plans, securities contributions and vehicle donations.