Health insurance prices in Pennsylvania (2026)
320 marketplace plans from 8 insurers across 67 counties. Official marketplace: Pennie.
Plan year 2026 prices; 2027 prices will be added as soon as CMS publishes them. Monthly premium for one 40-year-old, before any tax credit (subsidy).
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Individual & family health insurance (marketplace / ACA plans)
Real insurance plans you buy yourself (not through a job), sold by companies like UnitedHealthcare, Blue Cross Blue Shield, Ambetter (Centene), Oscar, Cigna, Molina and Anthem through HealthCare.gov or your state's marketplace.
Looking for Aetna? Aetna CVS Health left the ACA marketplace for 2026 (it sold plans in 17 states in 2025). Source: KFF
All plans here: Bronze $297–$768 (typical $510) · Silver $455–$1,184 (typical $718) · Gold $378–$934 (typical $683) · Platinum $532–$558 (typical $545) · Catastrophic $255–$561 (typical $409)
Insurers, sorted by typical Silver price
Every marketplace insurer must sell Silver and Gold plans; Bronze is optional, so Silver is the fair comparison. Typical = median monthly premium, age 40.
| Insurer | Counties (of 67) | Plans | Cheapest plan | Typical Bronze | Typical Silver | Typical Gold | Cheapest plan name |
|---|---|---|---|---|---|---|---|
| Jefferson Health Plans | 9 | 18 | $297 | $369 | $546 | $475 | Jefferson Health Plans + Value + Bronze + HMO |
| Independence Blue Cross (PA)Independence Health Group (Blue Cross Blue Shield company) | 5 | 21 | $328 | $426 | $582 | $704 | Keystone HMO Bronze Proactive |
| UPMC Health Plan | 41 | 46 | $308 | $423 | $659 | $571 | UPMC Advantage Bronze $6,700/$0 - Partner Network |
| Oscar Health | 13 | 10 | $443 | $484 | $660 | $600 | Bronze Classic |
| Ambetter (Centene) | 39 | 12 | $382 | $523 | $690 | $649 | Everyday Bronze |
| Geisinger | 44 | 62 | $478 | $543 | $830 | $728 | Geisinger Marketplace Premier HMO 40/80/8400 |
| Highmark Blue Cross Blue Shield (PA)Highmark Health (Blue Cross Blue Shield company) | 67 | 128 | $317 | $533 | $861 | $694 | Together Blue EPO Bronze 9200 |
| Capital Blue Cross (PA)Capital Blue Cross (Blue Cross Blue Shield company) | 21 | 23 | $462 | $555 | $889 | $787 | Bronze Convenience PPO 9000/0/75 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $297 | $510 | $768 | 87 | $7,000 | $10,000 | $15,982 |
| Silver | $455 | $718 | $1,184 | 77 | $4,900 | $9,700 | $18,162 |
| Gold | $378 | $683 | $934 | 136 | $1,000 | $7,500 | $16,076 |
| Platinum | $532 | $545 | $558 | 2 | $0 | $5,000 | $11,539 |
| CatastrophicUnder 30 or hardship exemption only | $255 | $409 | $561 | 18 | $10,600 | $10,600 | $15,513 |
* Typical = median: half of plans cost less, half cost more. ** Bad year = 12 months of premium + the plan's in-network out-of-pocket maximum (median across plans). Out-of-network care and non-covered services are extra.
Prices by county in Pennsylvania
| County | Insurers | Plans | Cheapest plan | Typical Bronze | Typical Silver |
|---|---|---|---|---|---|
| Adams County | 3 | 53 | $515 | $620 | $1,022 |
| Allegheny County | 2 | 78 | $308 | $362 | $545 |
| Armstrong County | 2 | 38 | $380 | $442 | $699 |
| Beaver County | 2 | 50 | $326 | $431 | $667 |
| Bedford County | 3 | 49 | $332 | $498 | $778 |
| Berks County | 4 | 60 | $445 | $618 | $987 |
| Blair County | 4 | 75 | $332 | $508 | $700 |
| Bradford County | 4 | 45 | $488 | $535 | $809 |
| Bucks County | 5 | 75 | $297 | $426 | $540 |
| Butler County | 2 | 78 | $308 | $362 | $545 |
| Cambria County | 4 | 63 | $380 | $514 | $746 |
| Cameron County | 3 | 37 | $513 | $551 | $883 |
| Carbon County | 6 | 77 | $315 | $501 | $698 |
| Centre County | 4 | 64 | $503 | $581 | $869 |
| Chester County | 4 | 57 | $328 | $448 | $588 |
| Clarion County | 3 | 50 | $380 | $450 | $667 |
| Clearfield County | 4 | 45 | $488 | $522 | $801 |
| Clinton County | 4 | 58 | $392 | $528 | $715 |
| Columbia County | 4 | 50 | $503 | $567 | $830 |
| Crawford County | 2 | 34 | $380 | $466 | $766 |
| Cumberland County | 4 | 60 | $478 | $598 | $991 |
| Dauphin County | 4 | 60 | $478 | $598 | $991 |
| Delaware County | 5 | 75 | $297 | $426 | $540 |
| Elk County | 4 | 49 | $513 | $567 | $841 |
| Erie County | 2 | 66 | $308 | $398 | $620 |
| Fayette County | 3 | 62 | $326 | $431 | $591 |
| Forest County | 2 | 38 | $380 | $442 | $712 |
| Franklin County | 3 | 53 | $499 | $601 | $998 |
| Fulton County | 3 | 34 | $576 | $641 | $1,018 |
| Greene County | 2 | 50 | $308 | $431 | $667 |
| Huntingdon County | 4 | 49 | $465 | $519 | $778 |
| Indiana County | 2 | 24 | $431 | $515 | $767 |
| Jefferson County | 4 | 49 | $465 | $519 | $778 |
| Juniata County | 4 | 47 | $576 | $664 | $998 |
| Lackawanna County | 5 | 59 | $478 | $523 | $741 |
| Lancaster County | 5 | 69 | $445 | $582 | $904 |
| Lawrence County | 2 | 36 | $308 | $441 | $702 |
| Lebanon County | 4 | 59 | $499 | $598 | $991 |
| Lehigh County | 6 | 94 | $345 | $554 | $812 |
| Luzerne County | 5 | 59 | $478 | $523 | $741 |
| Lycoming County | 4 | 58 | $392 | $528 | $715 |
| McKean County | 2 | 36 | $308 | $441 | $702 |
| Mercer County | 2 | 36 | $308 | $440 | $695 |
| Mifflin County | 4 | 50 | $503 | $567 | $830 |
| Monroe County | 5 | 71 | $315 | $492 | $696 |
| Montgomery County | 5 | 75 | $297 | $426 | $540 |
| Montour County | 4 | 50 | $503 | $567 | $830 |
| Northampton County | 6 | 94 | $345 | $554 | $812 |
| Northumberland County | 4 | 50 | $503 | $567 | $830 |
| Perry County | 4 | 60 | $478 | $598 | $991 |
| Philadelphia County | 5 | 75 | $297 | $426 | $540 |
| Pike County | 2 | 27 | $488 | $519 | $815 |
| Potter County | 3 | 49 | $394 | $541 | $841 |
| Schuylkill County | 5 | 82 | $345 | $549 | $808 |
| Snyder County | 4 | 50 | $503 | $567 | $830 |
| Somerset County | 4 | 75 | $332 | $508 | $700 |
| Sullivan County | 4 | 45 | $488 | $535 | $809 |
| Susquehanna County | 3 | 40 | $488 | $535 | $789 |
| Tioga County | 3 | 45 | $392 | $514 | $809 |
| Union County | 4 | 50 | $503 | $567 | $830 |
| Venango County | 2 | 36 | $308 | $441 | $702 |
| Warren County | 2 | 38 | $380 | $442 | $712 |
| Washington County | 2 | 78 | $308 | $362 | $545 |
| Wayne County | 3 | 43 | $478 | $528 | $765 |
| Westmoreland County | 3 | 78 | $317 | $418 | $562 |
| Wyoming County | 5 | 56 | $479 | $524 | $752 |
| York County | 3 | 53 | $515 | $620 | $1,022 |
To compare insurance plans side by side (or with health sharing), open your county.