If you do not have access to employer-sponsored group health plan, you may want to buy an individual health policy from a private insurer. However, in Pennsylvania – as in most other states – you have limited guaranteed access to individual health insurance in the private market. There are some alternatives to private individual health insurance – such as COBRA, state continuation coverage, or conversion coverage. This chapter summarizes your protections under different kinds of health plan coverage.
Individual Health Plans
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- Blue Cross and Blue Shield Plans in Pennsylvania
- Individual Health Insurance Sold by Other Private Insurers
- COBRA and State Continuation Coverage
- Conversion Coverage