Health insurance prices in Luzerne County, PA (2026)
59 marketplace plans from 5 insurers. Cheapest plan $478/mo; typical Silver $741/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 3.
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 $478–$596 (typical $523) · Silver $660–$936 (typical $741) · Gold $579–$789 (typical $680) · Catastrophic $405–$426 (typical $416)
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 |
|---|---|---|---|---|---|---|---|
| Oscar Health | 10 | $479 | $489 | $668 | $606 | Bronze Classic | |
| Ambetter (Centene) | 12 | $522 | $558 | $705 | $665 | Everyday Bronze | |
| Geisinger | 17 | $478 | $508 | $789 | $690 | Geisinger Marketplace Premier HMO 40/80/8400 | |
| UPMC Health Plan | 6 | $548 | $561 | $893 | $776 | UPMC Advantage Bronze $6,700/$0 - Premium Network | |
| Highmark Blue Cross Blue Shield (PA)Highmark Health (Blue Cross Blue Shield company) | 14 | $490 | $535 | $915 | $711 | my Priority Blue Flex PPO Bronze 9200 |
All 59 plans in Luzerne County, cheapest first
| Compare | Insurer | Plan | Metal | Network | Monthly | Deductible | Out-of-pocket max | Bad year |
|---|---|---|---|---|---|---|---|---|
| Highmark Blue Cross Blue Shield (PA) | my Priority Blue Major Events PPO Catastrophic 10600 - 3 Free PCP Visits | Catastrophic | PPO | $405 | $10,600 | $10,600 | $15,463 | |
| Geisinger | Geisinger Marketplace All-Access Value | Catastrophic | POS | $426 | $10,600 | $10,600 | $15,713 | |
| Geisinger | Geisinger Marketplace Premier HMO 40/80/8400 | Expanded Bronze | HMO | $478 | $8,400 | $10,000 | $15,736 | |
| Oscar Health | Bronze Classic | Expanded Bronze | HMO | $479 | $7,000 | $10,150 | $15,897 | |
| Oscar Health | Bronze Classic PCP Saver Plus | Expanded Bronze | HMO | $484 | $9,000 | $9,700 | $15,508 | |
| Geisinger | Geisinger Marketplace All-Access HMO Pharmacy First 8500 | Expanded Bronze | HMO | $488 | $8,500 | $8,750 | $14,603 | |
| Highmark Blue Cross Blue Shield (PA) | my Priority Blue Flex PPO Bronze 9200 | Bronze | PPO | $490 | $9,200 | $9,200 | $15,076 | |
| Oscar Health | Bronze Classic 4700 | Expanded Bronze | HMO | $494 | $4,700 | $9,500 | $15,423 | |
| Geisinger | Geisinger Marketplace All-Access HMO 40/80/8400 | Expanded Bronze | HMO | $508 | $8,400 | $10,000 | $16,102 | |
| Geisinger | Geisinger Marketplace All-Access PPO 40/80/8400 | Expanded Bronze | PPO | $519 | $8,400 | $10,000 | $16,233 | |
| Ambetter (Centene) | Everyday Bronze | Expanded Bronze | HMO | $522 | $8,450 | $10,150 | $16,410 | |
| Oscar Health | Bronze Elite PCP Saver | Expanded Bronze | HMO | $524 | $150 | $10,150 | $16,432 | |
| Ambetter (Centene) | Everyday Bronze + Vision + Adult Dental | Expanded Bronze | HMO | $535 | $8,450 | $10,150 | $16,565 | |
| Highmark Blue Cross Blue Shield (PA) | my Priority Blue Flex PPO Bronze 3800 | Expanded Bronze | PPO | $535 | $3,800 | $9,900 | $16,323 | |
| Geisinger | Geisinger Marketplace All-Access QHDHP PPO 7100 | Expanded Bronze | PPO | $539 | $7,100 | $7,100 | $13,562 | |
| UPMC Health Plan | UPMC Advantage Bronze $6,700/$0 - Premium Network | Bronze | PPO | $548 | $6,700 | $10,600 | $17,177 | |
| Highmark Blue Cross Blue Shield (PA) | my Priority Blue Flex PPO Bronze 3800 + Adult Dental and Vision | Expanded Bronze | PPO | $556 | $3,800 | $9,900 | $16,575 | |
| UPMC Health Plan | UPMC Advantage Bronze $6,700/$0 - Premium Network with Adult Dental and Vision | Bronze | PPO | $574 | $6,700 | $10,600 | $17,484 | |
| Oscar Health | Gold Classic | Gold | HMO | $579 | $3,800 | $7,500 | $14,446 | |
| Ambetter (Centene) | Elite Bronze | Expanded Bronze | HMO | $582 | $0 | $10,500 | $17,485 | |
| Ambetter (Centene) | Elite Bronze + Vision + Adult Dental | Expanded Bronze | HMO | $596 | $0 | $10,500 | $17,658 | |
| Oscar Health | Gold Elite | Gold | HMO | $606 | $500 | $6,000 | $13,272 | |
| Geisinger | Geisinger Marketplace All-Access HMO 25/50/4000 | Gold | HMO | $627 | $4,000 | $7,450 | $14,975 | |
| Oscar Health | Gold Elite Saver Plus | Gold | HMO | $632 | $0 | $8,500 | $16,088 | |
| Ambetter (Centene) | Everyday Gold | Gold | HMO | $648 | $800 | $7,250 | $15,021 | |
| Geisinger | Geisinger Marketplace All-Access HMO 25/50/2500 | Gold | HMO | $649 | $2,500 | $6,500 | $14,287 | |
| Geisinger | Geisinger Marketplace Premier HMO 20/50/3250 | Gold | HMO | $650 | $3,250 | $8,700 | $16,498 | |
| Highmark Blue Cross Blue Shield (PA) | my Priority Blue Flex PPO Gold 1700 HSA | Gold | PPO | $652 | $1,700 | $7,200 | $15,020 | |
| Highmark Blue Cross Blue Shield (PA) | my Priority Blue Flex PPO Gold 1500 | Gold | PPO | $656 | $1,500 | $8,300 | $16,175 | |
| Oscar Health | Silver Simple PCP Saver | Silver | HMO | $660 | $5,750 | $9,800 | $17,725 | |
| Ambetter (Centene) | Everyday Gold + Vision + Adult Dental | Gold | HMO | $664 | $800 | $7,250 | $15,213 | |
| Ambetter (Centene) | Complete Gold | Gold | HMO | $666 | $1,450 | $7,500 | $15,497 | |
| Oscar Health | Silver Classic | Silver | HMO | $668 | $5,600 | $8,900 | $16,914 | |
| Oscar Health | Silver Elite Saver Plus | Silver | HMO | $673 | $0 | $9,700 | $17,774 | |
| Highmark Blue Cross Blue Shield (PA) | my Priority Blue Flex PPO Gold 1500 + Adult Dental and Vision | Gold | PPO | $677 | $1,500 | $8,300 | $16,427 | |
| Ambetter (Centene) | Complete Gold + Vision + Adult Dental | Gold | HMO | $683 | $1,450 | $7,500 | $15,695 | |
| Geisinger | Geisinger Marketplace All-Access HMO 25/50/0 Copay Based | Gold | HMO | $689 | $0 | $10,150 | $18,416 | |
| Geisinger | Geisinger Marketplace All-Access HMO 20/50/3250 | Gold | HMO | $691 | $3,250 | $8,700 | $16,995 | |
| Geisinger | Geisinger Marketplace All-Access Extra HMO 10/50/500 | Gold | HMO | $691 | $500 | $8,700 | $16,995 | |
| Geisinger | Geisinger Marketplace All-Access HMO 25/50/250 | Gold | HMO | $691 | $250 | $8,450 | $16,745 | |
| Ambetter (Centene) | Complete Silver | Silver | HMO | $696 | $5,950 | $8,850 | $17,201 | |
| Ambetter (Centene) | Focused Silver | Silver | HMO | $698 | $6,300 | $8,400 | $16,772 | |
| Geisinger | Geisinger Marketplace All-Access PPO 20/50/3250 | Gold | PPO | $705 | $3,250 | $8,700 | $17,158 | |
| Highmark Blue Cross Blue Shield (PA) | my Priority Blue Flex PPO Gold 0 | Gold | PPO | $711 | $0 | $7,500 | $16,030 | |
| Ambetter (Centene) | Complete Silver + Vision + Adult Dental | Silver | HMO | $713 | $5,950 | $8,850 | $17,408 | |
| Ambetter (Centene) | Focused Silver + Vision + Adult Dental | Silver | HMO | $715 | $6,300 | $8,400 | $16,979 | |
| Highmark Blue Cross Blue Shield (PA) | my Priority Blue Flex PPO Premier Gold 0 | Gold | PPO | $726 | $0 | $6,900 | $15,612 | |
| Highmark Blue Cross Blue Shield (PA) | my Priority Blue Flex PPO Gold 0 + Adult Dental and Vision | Gold | PPO | $732 | $0 | $7,500 | $16,281 | |
| Geisinger | Geisinger Marketplace Premier HMO 30/60/4900 | Silver | HMO | $741 | $4,900 | $9,100 | $17,996 | |
| Highmark Blue Cross Blue Shield (PA) | my Priority Blue Flex PPO Premier Gold 0 + Adult Dental and Vision | Gold | PPO | $747 | $0 | $6,900 | $15,864 | |
| UPMC Health Plan | UPMC Advantage Gold $1,000/$20 - Premium Network | Gold | PPO | $763 | $1,000 | $7,500 | $16,657 | |
| Geisinger | Geisinger Marketplace All-Access HMO 30/60/4900 | Silver | HMO | $789 | $4,900 | $9,100 | $18,564 | |
| UPMC Health Plan | UPMC Advantage Gold $1,000/$20 - Premium Network with Adult Dental and Vision | Gold | PPO | $789 | $1,000 | $7,500 | $16,964 | |
| Geisinger | Geisinger Marketplace All-Access PPO 30/60/4900 | Silver | PPO | $809 | $4,900 | $9,100 | $18,811 | |
| Highmark Blue Cross Blue Shield (PA) | my Priority Blue Flex PPO Silver 6000 | Silver | PPO | $815 | $6,000 | $8,400 | $18,175 | |
| UPMC Health Plan | UPMC Advantage Silver $7,000/$45 - Premium Network | Silver | PPO | $880 | $7,000 | $10,600 | $21,164 | |
| UPMC Health Plan | UPMC Advantage Silver $7,000/$45 - Premium Network with Adult Dental and Vision | Silver | PPO | $906 | $7,000 | $10,600 | $21,471 | |
| Highmark Blue Cross Blue Shield (PA) | my Priority Blue Flex PPO Premier Silver 0 | Silver | PPO | $915 | $0 | $9,700 | $20,685 | |
| Highmark Blue Cross Blue Shield (PA) | my Priority Blue Flex PPO Premier Silver 0 + Adult Dental and Vision | Silver | PPO | $936 | $0 | $9,700 | $20,936 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $478 | $523 | $596 | 18 | $7,050 | $10,000 | $16,278 |
| Silver | $660 | $741 | $936 | 15 | $5,750 | $9,100 | $17,996 |
| Gold | $579 | $680 | $789 | 24 | $1,000 | $7,500 | $16,059 |
| CatastrophicUnder 30 or hardship exemption only | $405 | $416 | $426 | 2 | $10,600 | $10,600 | $15,588 |
* 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.