Compare Individual & Family Health Insurance Plans with a Licensed Pennsylvania Agent.
Welcome, Scranton. If you want flexible private health insurance that fits your doctors and your budget, buying an off-exchange plan can be a smart path. These private options are available year-round and can be tailored for individuals, families, employees, and the self-employed.
TTY 711 | Mon-Fri 9am – 5:30pm EST
Our experienced agents understand Pennsylvania regulations and local provider networks.
We help you compare individual and family health insurance plans based on your doctors, prescriptions, and budget.
We match you with the right plan level and provider network to fit your healthcare needs in Scranton.
Private plans are available year-round — no need to wait for open enrollment to get the coverage you need.
Scranton residents have access to a strong local care network, including Geisinger providers in Lackawanna County and four area hospitals with roughly 800 beds. Private off-exchange plans can offer broader networks, local and statewide choices, and options that align with the way you use care across ZIP codes like 18503, 18504, and 18509. Whether you need coverage for yourself or your household, explore our Individual And Family page to see how private plans can work for you.
HealthPlusLife can help you compare off-exchange plans side by side, review network maps and provider directories, and confirm whether Geisinger-affiliated doctors and facilities are in network before you enroll. We look at benefits, prescription coverage, referral rules, and total costs so your plan fits the way you get care in Scranton and across the Scranton–Wilkes-Barre metro area.
If you earn too much for income-based premium help, private plans often provide flexible choices without the limits of public programs. Options like HSA-compatible coverage, richer PPO networks, or add-ons for dental, vision, and accident can be useful for higher-income households. Visit our guide to Health Insurance For High Income Earners to learn how benefits design and tax-advantaged strategies might fit your situation.
In Scranton, private plan types typically include HMOs, PPOs, EPOs, and POS plans. In plain terms: HMOs generally require you to use in-network doctors and get referrals for specialists; PPOs usually let you see in-network and some out-of-network providers with no referral required; EPOs are in-network only but often do not need referrals; POS plans blend HMO-style referrals with some out-of-network benefits. Each company builds its own network, so availability of Geisinger providers can vary by plan and product.
If you want the broadest access to specialists in and around Lackawanna County, you may lean toward PPO or certain EPO plans, while HMOs and POS plans can be more structured and budget-friendly. Think about where you get care today, how often you travel around Pennsylvania, and whether your preferred Scranton-area doctors and facilities are listed in the plan’s directory before you choose.
Evaluate private plans by confirming your primary care doctor and specialists are in network, checking prescription tiers, and comparing total cost of care – premium, deductible, copays, and out-of-pocket maximum. Look for virtual care options, urgent care access, and how emergencies are covered across Lackawanna County’s four hospitals and 18 federally qualified health centers. If you prefer Geisinger providers, verify in-network status and any referral or authorization rules before you enroll.
When you are ready, HealthPlusLife can walk you through choices, answer questions, and help you enroll. If you prefer a digital experience, you can compare options and Buy Private Health Insurance Online in minutes, or speak with a licensed advisor for one-on-one guidance tailored to Scranton’s local care landscape.
HealthPlusLife proudly serves residents across Scranton and Lackawanna. We are committed to providing transparent guidance and personalized recommendations. When you call, you’ll speak directly with a licensed agent.
Our licensed agents are here to help Scranton residents find the right health insurance plan. Compare your options and enroll with confidence—at no cost to you.
TTY 711 | Mon-Fri 9am - 5:30pm EST
Off-exchange plans are purchased directly from an insurer or through an agency like HealthPlusLife, outside the public marketplace. They can offer additional plan designs and network choices in Scranton, including options that may include Geisinger providers. The best fit depends on your doctors, prescriptions, and budget preferences.
Many private off-exchange plans accept applications year-round, so you can align your start date with your needs. We will confirm effective date options and any waiting periods when we review your choices.
Network flexibility varies by plan type and carrier. PPOs and some EPOs can provide broader access across Lackawanna County and the Scranton–Wilkes-Barre area, while HMOs and POS plans are more structured. We will check current directories to see if your preferred Geisinger doctors are in network.
If you are not eligible for income-based premium assistance, it helps to compare total costs, not just the monthly premium. Many households consider HSA-compatible plans for potential tax advantages or choose richer networks when consistent specialist access is a priority.
Self-employed residents can buy private individual coverage with year-round availability, selecting HMO, PPO, EPO, or POS plans based on preferred doctors and hospitals. Many also pair medical coverage with dental, vision, or accident plans and may consider an HSA to manage out-of-pocket costs.
Our licensed agents are ready to help you compare plans and enroll in the right coverage for you and your family.