Health Insurance Allentown: Pennie Plans, Licensed Agents, Free Quotes

Health insurance Allentown families can afford is closer than many people think. Vivna is licensed and independent, and we compare Allentown health insurance plans from 50+ carriers. Even better, our help is free.

Allentown is Pennsylvania's third-largest city and the heart of the Lehigh Valley. Yet about 13 percent of residents under 65 have no coverage at all. Call 888-730-6001 and a licensed agent will check your doctors, budget and savings.

  • County: Lehigh County, where Allentown is the county seat
  • Population: about 126,000 residents in a metro of about 865,000
  • Uninsured under 65: about 13 percent of residents
  • Major hospitals: Lehigh Valley Hospital–Cedar Crest, St. Luke's Sacred Heart
  • Coverage types: Pennie Marketplace, short-term, dental, vision, life, supplemental

Ready to price Allentown health plans? Request your free Allentown quote or call 888-730-6001 for health insurance Allentown answers.

Why Allentown Residents Choose Vivna

Health insurance Allentown residents buy has changed a lot lately. First, the enhanced tax credits expired. Next, new rules limit who can get Pennie savings. Finally, rates rose about 16 percent on average. Because of all that, Lehigh Valley health insurance is worth a second look.

An independent agent can explain each change in plain words. As a BBB A+ rated agency and U.S. Chamber of Commerce member, Vivna has your back. Call 888-730-6001 for free answers.

Your Licensed Pennsylvania Agent Team

Licensed agent: Heather Sprague, Owner and Agent of Record, NPN 19086819

Vivna Inc. agency NPN 19168641

Licensed in Pennsylvania and across 48 states, with 50+ carrier appointments

Office: 810 SE 8th Ave, Suite A, Deerfield Beach, FL 33441

Hours: Monday to Friday, 9 a.m. to 6 p.m. Eastern

Many Carriers, One Call

We compare carriers such as Ambetter, Oscar and Blue Cross Blue Shield plans where they serve your ZIP code. As a result, Allentown health coverage options sit side by side.

Our Help Is Free

You never pay us a fee. Likewise, your premium matches what Pennie or the carrier charges.

Request Your Free Allentown Plan Review

Let us handle the health insurance Allentown legwork. Call 888-730-6001 or start a free online quote.

Allentown Health Insurance Options

Health insurance Allentown residents use generally comes in five flavors. Some suit tight budgets, while others suit short gaps or growing families. Here is a quick tour of Allentown health plans.

Pennie Marketplace Plans

Pennie is Pennsylvania's own exchange, so you do not use HealthCare.gov. Every plan sold there must cover pre-existing conditions and the core essential benefits. Also, according to Pennie, about 4 in 5 enrollees still qualify for some savings.

  • Pennie's enrollment window currently spans November 1 to January 15
  • Apply early for a January 1 start
  • Bronze plans now qualify for an HSA

Learn more on our ACA health plans page and in our income-based coverage guide.

Short-Term Health Insurance

UnitedHealthcare short-term plans can cover a short wait, such as a new job's 90-day benefits delay. In Pennsylvania, short-term plans last up to 3 months; ask an agent about current options. An optional renewal of up to one month may follow. So, these plans work best for brief gaps.

  • Coverage can start quickly
  • Health questions on the application
  • May exclude pre-existing conditions, since they are not ACA plans

For the full picture, visit our short-term coverage page, or call 888-730-6001.

Add-On Protection

Medical plans do not cover everything. These extras fill common gaps in Lehigh County health insurance.

Medical Assistance and CHIP

Pennsylvania expanded Medical Assistance to adults up to 138 percent of the poverty level. In addition, CHIP covers uninsured children under 19 at free or low cost. Work rules and six-month renewals are coming for many adults.

What Allentown Coverage Costs

Age, income, tobacco use and metal tier set your price. Therefore, two neighbors can pay very different amounts for the same plan.

Household sizeMedicaid line (138% FPL)Tax credit cliff (400% FPL)
1 person$22,025$63,840
Family of 4$45,540$132,000

Earn too little for credits but too much for Medicaid? Then read our guide to low-income coverage without Medicaid.

Compare Options With an Agent

Torn between two health insurance Allentown options? Call 888-730-6001, and an agent will weigh them with you. Or request a free quote online.

Allentown Hospitals, Networks and Doctors

Two health networks serve most of the Lehigh Valley. That is why health insurance Allentown patients pick should match the network they already use. We check Allentown health plans against your doctors before you enroll.

Many Pennie plans use HMO or EPO designs. With those, out-of-network care is usually not covered. Ask an agent at 888-730-6001 to confirm your providers first.

Lehigh Valley Health Network

Lehigh Valley Hospital–Cedar Crest is the network's flagship, with 877 licensed beds. It also ranks among the city's largest employers.

St. Luke's University Health Network

St. Luke's runs its Sacred Heart Campus in Allentown. Moreover, St. Luke's has hospitals across the wider Lehigh Valley.

Choosing Between the Two

If your family uses both networks, tell us up front. That way, we find Lehigh Valley health insurance that covers the doctors you see most.

Check Your Doctors in Minutes

Look up providers with our network search tools. Then learn how to read your insurance card. Finally, call 888-730-6001 so we can match health insurance Allentown plans to your doctors.

Health Insurance Allentown Workers Need

Allentown's growth comes from health care, services, transportation and warehousing. Still, many workers need health insurance Allentown employers do not provide. Warehouse staff, drivers and small business owners often buy Allentown health coverage on their own.

Fortunately, there is a fit for every job. Talk yours through with an agent at 888-730-6001.

Warehouse and Logistics Workers

Many distribution jobs start with a benefits waiting period. Meanwhile, a short-term plan or a Pennie plan can fill that gap.

Hospital and Home Care Staff

LVHN and St. Luke's employ thousands, yet aides and per-diem staff may lack full benefits. Our coverage between jobs guide helps when shifts change.

Latino and Immigrant Families

More than half of residents are Hispanic or Latino, and about 24 percent were born abroad. From the coming plan year on, only citizens and certain lawfully present groups can get tax credits. Green card holders still qualify, and Puerto Ricans are U.S. citizens.

Small Business Owners

From Center City shops to West End services, many residents work for themselves. Our guide to what health insurance covers explains what every ACA plan must include.

A Plan That Matches Your Job

Whatever your job, we can build coverage that fits it. Call 888-730-6001 or get free Lehigh County health insurance quotes for health insurance Allentown help.

Health Insurance Allentown FAQs

These replies cover the health insurance Allentown questions people ask us about Allentown health plans. For statewide topics, visit our Pennsylvania coverage questions library. Or call 888-730-6001 during business hours.

I just moved to Allentown from Puerto Rico. Can I enroll now?

Usually, yes. A move to Pennsylvania can open a 60-day Special Enrollment Period. Also, people moving from a U.S. territory do not need prior coverage to use it.

Can I keep my Lehigh Valley Health Network doctors?

In many plans, yes, though not in all. LVHN contracts can shift from year to year, so we verify your doctors one by one.

Which plans include St. Luke's?

It varies by carrier and plan. So, share your doctor list, and we will check St. Luke's for you.

My warehouse job has a 90-day wait for benefits. What should I do?

A Pennsylvania short-term plan can last up to three months, which often covers that wait. Alternatively, a Pennie plan may cost less with tax credits.

How can my kids get CHIP in Allentown?

Children under 19 who are uninsured and not eligible for Medical Assistance can apply. CHIP is free or low-cost and includes dental and vision care.

Does my immigration status affect my Pennie savings?

It can. Green card holders still qualify, but some other lawfully present groups lose tax credits. An agent can review your situation privately.

Can I work with Vivna if I live in Allentown?

Yes. Vivna is licensed in Pennsylvania and helps Lehigh Valley families by phone and online. You get expert help, and you never need to leave home.

Still Have an Allentown Question?

Our licensed agents answer Lehigh Valley health insurance questions for free. Call 888-730-6001 or send us your quote request about health insurance Allentown coverage.

Health Insurance Allentown Tips and Guides

Some reading up front makes health insurance Allentown choices easier. In simple language, each guide below covers one part of Allentown health coverage. Rather talk to a person? Call 888-730-6001.

Pennsylvania City Guides

Plan and Cost Guides

Turn Research Into a Real Quote

Reading is a good first step, but a quote shows what Allentown health plans will really cost. Once you see it, the choice gets easier. Call 888-730-6001 or request your free price check today.

More Pennsylvania City Guides

Live near the city line or work in another town? Compare health insurance Allentown options with these other Pennsylvania city guides. Each one covers local hospitals, county programs and the plans sold there.

Statewide help: the Pennsylvania health insurance guide and our Pennsylvania health insurance questions and answers.

Questions? Talk With a Licensed Allentown Agent

With a licensed agent on the phone, health insurance Allentown decisions go smoother. Also, our help with Allentown health insurance plans and Lehigh County health insurance costs nothing. To start, call or send a quote request. Next, an agent compares plans for your ZIP code. Finally, you choose, with no pressure.

Pennie Open Enrollment opens November 1 for now, though dates could change. Reach us at 888-730-6001 on weekdays from 9 a.m. to 6 p.m. Eastern.

Official Allentown and Pennsylvania Resources

Start Your Free Allentown Quote

Vivna Insurance, 810 SE 8th Ave, Suite A, Deerfield Beach, FL 33441 (Vivna Inc. agency NPN 19168641). Call 888-730-6001 or request your free quote for health insurance Allentown plans now.