Health insurance prices in Lancaster County, PA (2026)
69 marketplace plans from 5 insurers. Cheapest plan $445/mo; typical Silver $904/mo. Official marketplace: Pennie (enter your ZIP for your real price and tax credit).
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). Rating Area 7.
Tick 2 to 4 options anywhere on this page (an insurer's cheapest plan, any plan in the full list, or a health sharing program) and press Compare. You can mix insurance and health sharing, and share the link.
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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 $445–$709 (typical $582) · Silver $593–$1,184 (typical $904) · Gold $552–$934 (typical $820) · Catastrophic $402–$561 (typical $484)
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.
| Comparecheapest plan | Insurer | Plans | Cheapest plan | Typical Bronze | Typical Silver | Typical Gold | Cheapest plan name |
|---|---|---|---|---|---|---|---|
| Ambetter (Centene) | 12 | $445 | $476 | $601 | $567 | Everyday Bronze | |
| Oscar Health | 10 | $469 | $479 | $655 | $594 | Bronze Classic | |
| Capital Blue Cross (PA)Capital Blue Cross (Blue Cross Blue Shield company) | 6 | $582 | $602 | $967 | $858 | Bronze Advance PPO 9000/0/75 | |
| Highmark Blue Cross Blue Shield (PA)Highmark Health (Blue Cross Blue Shield company) | 28 | $532 | $616 | $1,000 | $800 | my Direct Blue EPO Bronze 9200 | |
| Geisinger | 13 | $642 | $676 | $1,051 | $908 | Geisinger Marketplace All-Access HMO Pharmacy First 8500 |
All 69 plans in Lancaster County, cheapest first
| Compare | Insurer | Plan | Metal | Network | Monthly | Deductible | Out-of-pocket max | Bad year |
|---|---|---|---|---|---|---|---|---|
| Highmark Blue Cross Blue Shield (PA) | my Direct Blue Major Events EPO Catastrophic 10600 - 3 Free PCP Visits | Catastrophic | EPO | $402 | $10,600 | $10,600 | $15,426 | |
| Ambetter (Centene) | Everyday Bronze | Expanded Bronze | HMO | $445 | $8,450 | $10,150 | $15,487 | |
| Ambetter (Centene) | Everyday Bronze + Vision + Adult Dental | Expanded Bronze | HMO | $456 | $8,450 | $10,150 | $15,619 | |
| Oscar Health | Bronze Classic | Expanded Bronze | HMO | $469 | $7,000 | $10,150 | $15,784 | |
| Oscar Health | Bronze Classic PCP Saver Plus | Expanded Bronze | HMO | $474 | $9,000 | $9,700 | $15,393 | |
| Oscar Health | Bronze Classic 4700 | Expanded Bronze | HMO | $484 | $4,700 | $9,500 | $15,306 | |
| Highmark Blue Cross Blue Shield (PA) | my Blue Access Major Events PPO Catastrophic 10600 - 3 Free PCP Visits | Catastrophic | PPO | $484 | $10,600 | $10,600 | $16,408 | |
| Ambetter (Centene) | Elite Bronze | Expanded Bronze | HMO | $496 | $0 | $10,500 | $16,456 | |
| Ambetter (Centene) | Elite Bronze + Vision + Adult Dental | Expanded Bronze | HMO | $509 | $0 | $10,500 | $16,603 | |
| Oscar Health | Bronze Elite PCP Saver | Expanded Bronze | HMO | $513 | $150 | $10,150 | $16,308 | |
| Highmark Blue Cross Blue Shield (PA) | my Direct Blue EPO Bronze 9200 | Bronze | EPO | $532 | $9,200 | $9,200 | $15,578 | |
| Ambetter (Centene) | Everyday Gold | Gold | HMO | $552 | $800 | $7,250 | $13,876 | |
| Geisinger | Geisinger Marketplace All-Access Value | Catastrophic | POS | $561 | $10,600 | $10,600 | $17,328 | |
| Ambetter (Centene) | Everyday Gold + Vision + Adult Dental | Gold | HMO | $566 | $800 | $7,250 | $14,040 | |
| Oscar Health | Gold Classic | Gold | HMO | $567 | $3,800 | $7,500 | $14,309 | |
| Ambetter (Centene) | Complete Gold | Gold | HMO | $568 | $1,450 | $7,500 | $14,319 | |
| Highmark Blue Cross Blue Shield (PA) | my Direct Blue EPO Bronze 3800 | Expanded Bronze | EPO | $575 | $3,800 | $9,900 | $16,802 | |
| Capital Blue Cross (PA) | Bronze Advance PPO 9000/0/75 | Bronze | PPO | $582 | $9,000 | $10,600 | $17,582 | |
| Ambetter (Centene) | Complete Gold + Vision + Adult Dental | Gold | HMO | $582 | $1,450 | $7,500 | $14,487 | |
| Highmark Blue Cross Blue Shield (PA) | my Direct Blue EPO Bronze 3800 + Adult Dental and Vision | Expanded Bronze | EPO | $591 | $3,800 | $9,900 | $16,998 | |
| Ambetter (Centene) | Complete Silver | Silver | HMO | $593 | $5,950 | $8,850 | $15,970 | |
| Oscar Health | Gold Elite | Gold | HMO | $594 | $500 | $6,000 | $13,129 | |
| Ambetter (Centene) | Focused Silver | Silver | HMO | $595 | $6,300 | $8,400 | $15,538 | |
| Capital Blue Cross (PA) | Bronze QHDHP Advance PPO 6400/0/50 | Expanded Bronze | PPO | $602 | $6,400 | $8,300 | $15,529 | |
| Ambetter (Centene) | Complete Silver + Vision + Adult Dental | Silver | HMO | $608 | $5,950 | $8,850 | $16,147 | |
| Ambetter (Centene) | Focused Silver + Vision + Adult Dental | Silver | HMO | $610 | $6,300 | $8,400 | $15,715 | |
| Capital Blue Cross (PA) | Bronze Advance PPO 7100/0/50 | Expanded Bronze | PPO | $614 | $7,100 | $10,000 | $17,364 | |
| Oscar Health | Gold Elite Saver Plus | Gold | HMO | $620 | $0 | $8,500 | $15,938 | |
| Highmark Blue Cross Blue Shield (PA) | my Blue Access PPO Bronze 9200 | Bronze | PPO | $640 | $9,200 | $9,200 | $16,875 | |
| Geisinger | Geisinger Marketplace All-Access HMO Pharmacy First 8500 | Expanded Bronze | HMO | $642 | $8,500 | $8,750 | $16,451 | |
| Oscar Health | Silver Simple PCP Saver | Silver | HMO | $647 | $5,750 | $9,800 | $17,569 | |
| Oscar Health | Silver Classic | Silver | HMO | $655 | $5,600 | $8,900 | $16,756 | |
| Oscar Health | Silver Elite Saver Plus | Silver | HMO | $660 | $0 | $9,700 | $17,615 | |
| Geisinger | Geisinger Marketplace All-Access HMO 40/80/8400 | Expanded Bronze | HMO | $669 | $8,400 | $10,000 | $18,029 | |
| Highmark Blue Cross Blue Shield (PA) | my Direct Blue EPO Gold 1700 HSA | Gold | EPO | $682 | $1,700 | $7,500 | $15,678 | |
| Geisinger | Geisinger Marketplace All-Access PPO 40/80/8400 | Expanded Bronze | PPO | $683 | $8,400 | $10,000 | $18,201 | |
| Highmark Blue Cross Blue Shield (PA) | my Direct Blue EPO Gold 1500 | Gold | EPO | $688 | $1,500 | $8,300 | $16,559 | |
| Highmark Blue Cross Blue Shield (PA) | my Blue Access PPO Bronze 3800 | Expanded Bronze | PPO | $692 | $3,800 | $9,900 | $18,205 | |
| Highmark Blue Cross Blue Shield (PA) | my Direct Blue EPO Gold 1500 + Adult Dental and Vision | Gold | EPO | $705 | $1,500 | $8,300 | $16,754 | |
| Highmark Blue Cross Blue Shield (PA) | my Blue Access PPO Bronze 3800 + Adult Dental and Vision | Expanded Bronze | PPO | $708 | $3,800 | $9,900 | $18,401 | |
| Geisinger | Geisinger Marketplace All-Access QHDHP PPO 7100 | Expanded Bronze | PPO | $709 | $7,100 | $7,100 | $15,603 | |
| Highmark Blue Cross Blue Shield (PA) | my Direct Blue EPO Gold 0 | Gold | EPO | $743 | $0 | $7,500 | $16,411 | |
| Highmark Blue Cross Blue Shield (PA) | my Direct Blue EPO Gold 0 + Adult Dental and Vision | Gold | EPO | $759 | $0 | $7,500 | $16,607 | |
| Highmark Blue Cross Blue Shield (PA) | my Direct Blue EPO Premier Gold 0 | Gold | EPO | $763 | $0 | $6,900 | $16,054 | |
| Highmark Blue Cross Blue Shield (PA) | my Direct Blue EPO Premier Gold 0 + Adult Dental and Vision | Gold | EPO | $779 | $0 | $6,900 | $16,250 | |
| Highmark Blue Cross Blue Shield (PA) | my Blue Access PPO Gold 1700 HSA | Gold | PPO | $820 | $1,700 | $7,500 | $17,340 | |
| Geisinger | Geisinger Marketplace All-Access HMO 25/50/4000 | Gold | HMO | $825 | $4,000 | $7,450 | $17,351 | |
| Highmark Blue Cross Blue Shield (PA) | my Blue Access PPO Gold 1500 | Gold | PPO | $828 | $1,500 | $8,300 | $18,238 | |
| Capital Blue Cross (PA) | Gold Advance PPO 3000/0/30 | Gold | PPO | $834 | $3,000 | $6,100 | $16,103 | |
| Highmark Blue Cross Blue Shield (PA) | my Direct Blue EPO Silver 6000 | Silver | EPO | $842 | $6,000 | $8,600 | $18,705 | |
| Highmark Blue Cross Blue Shield (PA) | my Blue Access PPO Gold 1500 + Adult Dental and Vision | Gold | PPO | $845 | $1,500 | $8,300 | $18,434 | |
| Geisinger | Geisinger Marketplace All-Access HMO 25/50/2500 | Gold | HMO | $854 | $2,500 | $6,500 | $16,746 | |
| Capital Blue Cross (PA) | Gold Advance PPO 1800/0/25 | Gold | PPO | $883 | $1,800 | $8,550 | $19,149 | |
| Highmark Blue Cross Blue Shield (PA) | my Blue Access PPO Gold 0 | Gold | PPO | $894 | $0 | $7,500 | $18,223 | |
| Geisinger | Geisinger Marketplace All-Access HMO 25/50/0 Copay Based | Gold | HMO | $906 | $0 | $10,150 | $21,026 | |
| Geisinger | Geisinger Marketplace All-Access HMO 20/50/3250 | Gold | HMO | $910 | $3,250 | $8,700 | $19,615 | |
| Geisinger | Geisinger Marketplace All-Access HMO 25/50/250 | Gold | HMO | $910 | $250 | $8,450 | $19,365 | |
| Highmark Blue Cross Blue Shield (PA) | my Blue Access PPO Gold 0 + Adult Dental and Vision | Gold | PPO | $910 | $0 | $7,500 | $18,419 | |
| Highmark Blue Cross Blue Shield (PA) | my Blue Access PPO Premier Gold 0 | Gold | PPO | $918 | $0 | $6,900 | $17,916 | |
| Geisinger | Geisinger Marketplace All-Access PPO 20/50/3250 | Gold | PPO | $927 | $3,250 | $8,700 | $19,829 | |
| Highmark Blue Cross Blue Shield (PA) | my Blue Access PPO Premier Gold 0 + Adult Dental and Vision | Gold | PPO | $934 | $0 | $6,900 | $18,112 | |
| Capital Blue Cross (PA) | Silver Advance PPO 4500/20/35 | Silver | PPO | $967 | $4,500 | $8,550 | $20,149 | |
| Highmark Blue Cross Blue Shield (PA) | my Direct Blue EPO Premier Silver 0 | Silver | EPO | $970 | $0 | $9,700 | $21,344 | |
| Highmark Blue Cross Blue Shield (PA) | my Direct Blue EPO Premier Silver 0 + Adult Dental and Vision | Silver | EPO | $987 | $0 | $9,700 | $21,540 | |
| Highmark Blue Cross Blue Shield (PA) | my Blue Access PPO Silver 6000 | Silver | PPO | $1,013 | $6,000 | $8,600 | $20,760 | |
| Geisinger | Geisinger Marketplace All-Access HMO 30/60/4900 | Silver | HMO | $1,038 | $4,900 | $9,100 | $21,553 | |
| Geisinger | Geisinger Marketplace All-Access PPO 30/60/4900 | Silver | PPO | $1,065 | $4,900 | $9,100 | $21,877 | |
| Highmark Blue Cross Blue Shield (PA) | my Blue Access PPO Premier Silver 0 | Silver | PPO | $1,168 | $0 | $9,700 | $23,713 | |
| Highmark Blue Cross Blue Shield (PA) | my Blue Access PPO Premier Silver 0 + Adult Dental and Vision | Silver | PPO | $1,184 | $0 | $9,700 | $23,908 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $445 | $582 | $709 | 21 | $7,100 | $9,900 | $16,456 |
| Silver | $593 | $904 | $1,184 | 16 | $5,250 | $9,000 | $19,427 |
| Gold | $552 | $820 | $934 | 29 | $1,450 | $7,500 | $16,746 |
| CatastrophicUnder 30 or hardship exemption only | $402 | $484 | $561 | 3 | $10,600 | $10,600 | $16,408 |
* 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.