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Your Free Guide to Navigating
Health Insurance in Pennsylvania

Our Consultation Services Cost You Nothing

Medicare Plans

We offer Medicare Advantage, Medigap, and Part D prescription drug plans to help you get the coverage you need. Let us guide you through your options and find the best fit for your healthcare needs.

PENNIE / ACA Plans

PENNIE is Pennsylvania’s official health insurance marketplace, offering individual & family plans with potential financial assistance. We’ll help you navigate your options & get covered.

Individual Plans

Whether you’re self-employed or need coverage outside of an employer plan, we can help you find an affordable, high-quality health insurance plan that fits your needs and budget.

Vision & Dental

Protect your smile and eyesight with standalone dental and vision plans. Get coverage for routine checkups, glasses, contacts, and more—so you can keep seeing and smiling bright!

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Map showing health insurance services provided by Stellar Health Benefits in Jeannette, Westmoreland County, Allegheny County, and licensed states including PA, OH, MD, WV, VA, and NC

Where We Help

We’re proudly based in Jeannette, PA primarily serving neighbors in Westmoreland, Allegheny, Fayette, Indiana, Somerset and many more communities across Pennsylvania.

 

Stellar Health Benefits agents are licensed to help clients in:

  • Pennsylvania

  • Ohio

  • Maryland

  • West Virginia

  • Virginia

  • North Carolina

Why Choose Stellar Health Benefits?

Side-by-Side Plan Comparison

We break down your options so you can easily see which health plan fits your needs.

Unbiased, Expert Guidance - for Free

We work for you, providing free help, no-pressure advice, and additional customer service that goes beyond what insurance carriers offer alone.

Know Your Costs Upfront

No surprises. We help you understand premiums, deductibles, and out-of-pocket expenses before you enroll.

Clear Coverage Insights

Get a full picture of what’s covered, from doctor visits to prescriptions and everything in between.

Beyond Medical - Dental, Vision & More

We help you explore additional coverage options to protect your total health.

Hassle-Free Enrollment

We handle the paperwork and enrollment process for you, so you can focus on what matters most.

Insurance Companies We Work With

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Aetna

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AllWell

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Ambetter

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Ameritas

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Cigna

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Delta

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EyeMed

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Geisinger

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Guardian

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Highmark

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Humana

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New Era

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Peak Health

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UPMC

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United Healthcare

Explore Updates & Resources

Graph showing increase in health insurance premiums in PA through Pennie ACA

May 27, 2025

Brace for Impact: ACA Premium Tax Credits Set to Shrink in 2026 and how this will affect PENNIE Plans.

Pennsylvanians on PENNIE Plans Could See Higher Premiums Without Action

Senior woman in bed receiving compassionate help from a young female caregiver at home, supported through Pennsylvania’s Community HealthChoices program.

April 22, 2025

How Pennsylvania’s Community HealthChoices (CHC) and Medicaid Works with Medicare

Understanding how CHC works alongside Medicare is key to maximizing your benefits and minimizing out-of-pocket costs.

Veteran reviewing Medicare Advantage plan options with a healthcare advisor, navigating benefits coordination with VA, TRICARE For Life, and CHAMPVA

April 3, 2025

Navigating Medicare Advantage with VA, TRICARE For Life, and CHAMPVA Benefits

Good news for TRICARE For Life beneficiaries: enrolling in Medicare Advantage does not affect your TRICARE coverage.

Frequently Asked Questions

Are the agents at Stellar Health Benefits incentivized to push certain plans over others?

Absolutely not! Our agents are out for the client's best interest.  Several Health Plan options will be presented based on client medical and prescription needs. Then, the client will choose what is best for them. We are only here to advocate and help you make the right decision, not push one company.  We also do not charge for our service and our services do not affect your premiums.

Is Stellar Health Benefits licensed?

Yes!  Stellar Health Benefits is a fully licensed independent health insurance brokerage. Brian Johnson, the owner and broker, is licensed in Pennsylvania (PA), Ohio (OH), Maryland (MD), West Virginia (WV), Virginia (VA), and North Carolina (NC). As required by state regulations, he and his team complete ongoing continuing education and annual certifications with insurance carriers to stay up to date with industry standards. This ensures clients receive expert guidance and access to a wide range of plan options at no additional cost.  Read more

Does it cost me more to enroll in an insurance plan with a Stellar Health Benefits agent?

Absolutely not, the cost of your plan would be the same if you went directly to the plan carrier or utilized our agency.  With us,  you get a secondary source of assistance,  unbiased opinion,

lifelong advocacy and customer service.  


Can I enroll in an insurance plan on my own?

Yes, you can enroll directly with an insurance carrier, but working with an independent broker like Stellar Health Benefits offers key advantages. A broker provides side-by-side plan comparisons, access to multiple carriers, personalized recommendations, and ongoing support—all at no extra cost. Enrolling directly with a carrier means limited options, no competitor comparisons, and less personalized service. With a broker, you gain expert guidance and an advocate who understands your local healthcare system and ensures you get the best coverage for your needs.  Read more

How can Stellar Health Benefits help me choose a Medicare Plan?

Stellar Health Benefits provides personalized Medicare guidance by comparing plans from multiple carriers to ensure you get the best coverage for your needs. Our licensed brokers offer unbiased recommendations based on your doctors, prescriptions, and budget—all at no extra cost to you. We help with enrollment, avoiding penalties, and ongoing support throughout the year, including billing issues, plan reviews, and adjustments during the Annual Enrollment Period (AEP). With Medicare plans changing annually, we ensure you always have the right coverage.

What insurance companies do we work with?

Stellar Health Benefits recommends plans from various insurance companies.  During a consultation with us, we will compare plans from across companies to make sure you are getting the best health plan for your needs.


Medicare Plans: Aetna, AllWell, Cigna, Geisinger, Highmark, Humana, New Era, Peak Health, United Health Care, UPMC


ACA/Individual: Ambetter, Geisinger, Highmark, UPMC


Dental/Vision: Ameritas, Delta, Guardian, Eyemed

Smiling senior couple standing together – representing confident, stress-free health insurance support for older adults.
Stellar Health Benefits logo – trusted health insurance guidance in Pennsylvania

About Stellar Health Benefits

Operating with a fiduciary approach, which means we are customer centric, and only care about your needs, not the needs of the insurance company.  We are contracted with a wide range of Medicare and Private Individual Health Plan Carriers, ensuring we always prioritize your best interests.

 

Our mission is simple: to locate the optimal plan with the most robust benefits that suit you perfectly – and all of our consultation services come at absolutely no cost to you.  Our services do not affect your premiums!

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Let's Make Contact!

Your Stellar Health Journey Begins Here.

Contact Preference:
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By submitting this form, I hereby request to be contacted by a licensed health insurance agent affiliated with Stellar Health Benefits LLC for information about Medicare Advantage plans, Medicare Supplement, Prescription Drug Coverage and/or other insurance products, and/or other acknowledge that the inclusion of any private health information (PHI) in this form submission is voluntary and of my own discretion. I understand and accept that while Stellar Health Benefits LLC. endeavors to maintain the highest standards of cybersecurity, no system can be completely immune to breaches. Therefore, I agree not to hold Stellar Health Benefits LLC. liable for any cyber security breach or unauthorized access to information that may occur during the transmission or storage of my data. 

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