Health insurance prices in Somerset County, PA (2026)
75 marketplace plans from 4 insurers. Cheapest plan $332/mo; typical Silver $700/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 5.
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.
Compare options
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 $332–$585 (typical $508) · Silver $527–$898 (typical $700) · Gold $408–$781 (typical $650) · Catastrophic $302–$444 (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.
| Comparecheapest plan | Insurer | Plans | Cheapest plan | Typical Bronze | Typical Silver | Typical Gold | Cheapest plan name |
|---|---|---|---|---|---|---|---|
| UPMC Health Plan | 22 | $332 | $362 | $561 | $528 | UPMC Advantage Bronze $6,700/$0 - Partner Network | |
| Ambetter (Centene) | 12 | $512 | $548 | $692 | $652 | Everyday Bronze | |
| Highmark Blue Cross Blue Shield (PA)Highmark Health (Blue Cross Blue Shield company) | 28 | $380 | $474 | $734 | $627 | my Direct Blue EPO Bronze 9200 | |
| Geisinger | 13 | $488 | $514 | $799 | $690 | Geisinger Marketplace All-Access HMO Pharmacy First 8500 |
All 75 plans in Somerset 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 | $302 | $10,600 | $10,600 | $14,225 | |
| UPMC Health Plan | UPMC Advantage Catastrophic $10,600/$0 - Partner Network | Catastrophic | EPO | $317 | $10,600 | $10,600 | $14,404 | |
| UPMC Health Plan | UPMC Advantage Bronze $6,700/$0 - Partner Network | Bronze | EPO | $332 | $6,700 | $10,600 | $14,586 | |
| UPMC Health Plan | UPMC Advantage Bronze $6,700/$0 - Partner Network with Adult Dental and Vision | Bronze | EPO | $354 | $6,700 | $10,600 | $14,847 | |
| UPMC Health Plan | UPMC VirtualCare Bronze $4,400/$80 - Partner Network | Expanded Bronze | EPO | $362 | $4,400 | $9,200 | $13,539 | |
| Highmark Blue Cross Blue Shield (PA) | my Direct Blue EPO Bronze 9200 | Bronze | EPO | $380 | $9,200 | $9,200 | $13,762 | |
| UPMC Health Plan | UPMC Advantage Gold HSA $2,900/10% - Partner Network | Gold | EPO | $408 | $2,900 | $6,000 | $10,893 | |
| Highmark Blue Cross Blue Shield (PA) | my Blue Access Major Events PPO Catastrophic 10600 - 3 Free PCP Visits | Catastrophic | PPO | $409 | $10,600 | $10,600 | $15,513 | |
| Highmark Blue Cross Blue Shield (PA) | my Direct Blue EPO Bronze 3800 | Expanded Bronze | EPO | $416 | $3,800 | $9,900 | $14,891 | |
| Geisinger | Geisinger Marketplace All-Access Value | Catastrophic | POS | $426 | $10,600 | $10,600 | $15,713 | |
| Highmark Blue Cross Blue Shield (PA) | my Direct Blue EPO Bronze 3800 + Adult Dental and Vision | Expanded Bronze | EPO | $434 | $3,800 | $9,900 | $15,104 | |
| UPMC Health Plan | UPMC Advantage Catastrophic $10,600/$0 - Premium Network | Catastrophic | PPO | $444 | $10,600 | $10,600 | $15,923 | |
| UPMC Health Plan | UPMC Advantage Gold $1,000/$20 - Partner Network | Gold | EPO | $460 | $1,000 | $7,500 | $13,024 | |
| UPMC Health Plan | UPMC Advantage Bronze $6,700/$0 - Premium Network | Bronze | PPO | $465 | $6,700 | $10,600 | $16,176 | |
| UPMC Health Plan | UPMC Advantage Gold $1,000/$20 - Partner Network with Adult Dental and Vision | Gold | EPO | $482 | $1,000 | $7,500 | $13,285 | |
| UPMC Health Plan | UPMC First Care Gold $0/$20 - Partner Network | Gold | EPO | $485 | $0 | $8,500 | $14,320 | |
| UPMC Health Plan | UPMC Advantage Bronze $6,700/$0 - Premium Network with Adult Dental and Vision | Bronze | PPO | $486 | $6,700 | $10,600 | $16,437 | |
| 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 Direct Blue EPO Gold 1700 HSA | Gold | EPO | $497 | $1,700 | $7,500 | $13,458 | |
| Highmark Blue Cross Blue Shield (PA) | my Direct Blue EPO Gold 1500 | Gold | EPO | $505 | $1,500 | $8,300 | $14,359 | |
| Geisinger | Geisinger Marketplace All-Access HMO 40/80/8400 | Expanded Bronze | HMO | $508 | $8,400 | $10,000 | $16,102 | |
| Ambetter (Centene) | Everyday Bronze | Expanded Bronze | HMO | $512 | $8,450 | $10,150 | $16,291 | |
| Highmark Blue Cross Blue Shield (PA) | my Blue Access PPO Bronze 9200 | Bronze | PPO | $515 | $9,200 | $9,200 | $15,383 | |
| Geisinger | Geisinger Marketplace All-Access PPO 40/80/8400 | Expanded Bronze | PPO | $519 | $8,400 | $10,000 | $16,233 | |
| Highmark Blue Cross Blue Shield (PA) | my Direct Blue EPO Gold 1500 + Adult Dental and Vision | Gold | EPO | $523 | $1,500 | $8,300 | $14,572 | |
| Ambetter (Centene) | Everyday Bronze + Vision + Adult Dental | Expanded Bronze | HMO | $524 | $8,450 | $10,150 | $16,443 | |
| UPMC Health Plan | UPMC VirtualCare Silver $4,400/$35 - Partner Network | Silver | EPO | $527 | $4,400 | $10,600 | $16,919 | |
| UPMC Health Plan | UPMC Advantage Silver $7,000/$45 - Partner Network | Silver | EPO | $532 | $7,000 | $10,600 | $16,979 | |
| Geisinger | Geisinger Marketplace All-Access QHDHP PPO 7100 | Expanded Bronze | PPO | $539 | $7,100 | $7,100 | $13,562 | |
| Highmark Blue Cross Blue Shield (PA) | my Direct Blue EPO Gold 0 | Gold | EPO | $545 | $0 | $7,500 | $14,041 | |
| UPMC Health Plan | UPMC Advantage Silver $7,000/$45 - Partner Network with Adult Dental and Vision | Silver | EPO | $553 | $7,000 | $10,600 | $17,240 | |
| UPMC Health Plan | UPMC Advantage Silver $2,600/$50 - Partner Network | Silver | EPO | $561 | $2,600 | $10,600 | $17,328 | |
| Highmark Blue Cross Blue Shield (PA) | my Direct Blue EPO Gold 0 + Adult Dental and Vision | Gold | EPO | $563 | $0 | $7,500 | $14,253 | |
| Highmark Blue Cross Blue Shield (PA) | my Direct Blue EPO Premier Gold 0 | Gold | EPO | $563 | $0 | $6,900 | $13,658 | |
| Highmark Blue Cross Blue Shield (PA) | my Blue Access PPO Bronze 3800 | Expanded Bronze | PPO | $564 | $3,800 | $9,900 | $16,665 | |
| UPMC Health Plan | UPMC Advantage Gold HSA $2,900/10% - Premium Network | Gold | PPO | $571 | $2,900 | $6,000 | $12,848 | |
| Ambetter (Centene) | Elite Bronze | Expanded Bronze | HMO | $571 | $0 | $10,500 | $17,352 | |
| Highmark Blue Cross Blue Shield (PA) | my Direct Blue EPO Premier Gold 0 + Adult Dental and Vision | Gold | EPO | $581 | $0 | $6,900 | $13,871 | |
| Highmark Blue Cross Blue Shield (PA) | my Blue Access PPO Bronze 3800 + Adult Dental and Vision | Expanded Bronze | PPO | $581 | $3,800 | $9,900 | $16,877 | |
| Ambetter (Centene) | Elite Bronze + Vision + Adult Dental | Expanded Bronze | HMO | $585 | $0 | $10,500 | $17,522 | |
| Highmark Blue Cross Blue Shield (PA) | my Direct Blue EPO Silver 6000 | Silver | EPO | $591 | $6,000 | $8,600 | $15,691 | |
| Geisinger | Geisinger Marketplace All-Access HMO 25/50/4000 | Gold | HMO | $627 | $4,000 | $7,450 | $14,975 | |
| Ambetter (Centene) | Everyday Gold | Gold | HMO | $635 | $800 | $7,250 | $14,873 | |
| UPMC Health Plan | UPMC Advantage Gold $1,000/$20 - Premium Network | Gold | PPO | $647 | $1,000 | $7,500 | $15,264 | |
| Geisinger | Geisinger Marketplace All-Access HMO 25/50/2500 | Gold | HMO | $649 | $2,500 | $6,500 | $14,287 | |
| Highmark Blue Cross Blue Shield (PA) | my Direct Blue EPO Premier Silver 0 | Silver | EPO | $650 | $0 | $9,700 | $17,497 | |
| Ambetter (Centene) | Everyday Gold + Vision + Adult Dental | Gold | HMO | $651 | $800 | $7,250 | $15,062 | |
| Ambetter (Centene) | Complete Gold | Gold | HMO | $654 | $1,450 | $7,500 | $15,345 | |
| Highmark Blue Cross Blue Shield (PA) | my Direct Blue EPO Premier Silver 0 + Adult Dental and Vision | Silver | EPO | $667 | $0 | $9,700 | $17,710 | |
| UPMC Health Plan | UPMC Advantage Gold $1,000/$20 - Premium Network with Adult Dental and Vision | Gold | PPO | $669 | $1,000 | $7,500 | $15,525 | |
| Ambetter (Centene) | Complete Gold + Vision + Adult Dental | Gold | HMO | $670 | $1,450 | $7,500 | $15,540 | |
| Highmark Blue Cross Blue Shield (PA) | my Blue Access PPO Gold 1700 HSA | Gold | PPO | $673 | $1,700 | $7,500 | $15,573 | |
| Ambetter (Centene) | Complete Silver | Silver | HMO | $683 | $5,950 | $8,850 | $17,043 | |
| Highmark Blue Cross Blue Shield (PA) | my Blue Access PPO Gold 1500 | Gold | PPO | $684 | $1,500 | $8,300 | $16,513 | |
| Ambetter (Centene) | Focused Silver | Silver | HMO | $684 | $6,300 | $8,400 | $16,613 | |
| UPMC Health Plan | UPMC First Care Gold $0/$20 - Premium Network | Gold | PPO | $686 | $0 | $8,500 | $16,727 | |
| 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 HMO 25/50/250 | Gold | HMO | $691 | $250 | $8,450 | $16,745 | |
| Ambetter (Centene) | Complete Silver + Vision + Adult Dental | Silver | HMO | $700 | $5,950 | $8,850 | $17,245 | |
| Ambetter (Centene) | Focused Silver + Vision + Adult Dental | Silver | HMO | $701 | $6,300 | $8,400 | $16,816 | |
| Highmark Blue Cross Blue Shield (PA) | my Blue Access PPO Gold 1500 + Adult Dental and Vision | Gold | PPO | $702 | $1,500 | $8,300 | $16,726 | |
| 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 Blue Access PPO Gold 0 | Gold | PPO | $739 | $0 | $7,500 | $16,365 | |
| UPMC Health Plan | UPMC Advantage Silver $7,000/$45 - Premium Network | Silver | PPO | $746 | $7,000 | $10,600 | $19,557 | |
| Highmark Blue Cross Blue Shield (PA) | my Blue Access PPO Gold 0 + Adult Dental and Vision | Gold | PPO | $756 | $0 | $7,500 | $16,578 | |
| Highmark Blue Cross Blue Shield (PA) | my Blue Access PPO Premier Gold 0 | Gold | PPO | $763 | $0 | $6,900 | $16,060 | |
| UPMC Health Plan | UPMC Advantage Silver $7,000/$45 - Premium Network with Adult Dental and Vision | Silver | PPO | $768 | $7,000 | $10,600 | $19,818 | |
| Highmark Blue Cross Blue Shield (PA) | my Blue Access PPO Premier Gold 0 + Adult Dental and Vision | Gold | PPO | $781 | $0 | $6,900 | $16,272 | |
| Geisinger | Geisinger Marketplace All-Access HMO 30/60/4900 | Silver | HMO | $789 | $4,900 | $9,100 | $18,564 | |
| UPMC Health Plan | UPMC Advantage Silver $2,600/$50 - Premium Network | Silver | PPO | $790 | $2,600 | $10,600 | $20,080 | |
| Highmark Blue Cross Blue Shield (PA) | my Blue Access PPO Silver 6000 | Silver | PPO | $801 | $6,000 | $8,600 | $18,211 | |
| 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 Blue Access PPO Premier Silver 0 | Silver | PPO | $881 | $0 | $9,700 | $20,268 | |
| Highmark Blue Cross Blue Shield (PA) | my Blue Access PPO Premier Silver 0 + Adult Dental and Vision | Silver | PPO | $898 | $0 | $9,700 | $20,481 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $332 | $508 | $585 | 19 | $6,700 | $10,000 | $16,102 |
| Silver | $527 | $700 | $898 | 19 | $5,950 | $9,700 | $17,497 |
| Gold | $408 | $650 | $781 | 32 | $1,000 | $7,500 | $15,163 |
| CatastrophicUnder 30 or hardship exemption only | $302 | $409 | $444 | 5 | $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.