Health insurance prices in Westmoreland County, PA (2026)
78 marketplace plans from 3 insurers. Cheapest plan $317/mo; typical Silver $562/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 4.
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 $317–$510 (typical $418) · Silver $466–$786 (typical $562) · Gold $398–$684 (typical $525) · Platinum $532–$558 (typical $545) · Catastrophic $255–$411 (typical $311)
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 | $326 | $354 | $549 | $502 | UPMC Advantage Bronze $6,700/$0 - Select Network | |
| Ambetter (Centene) | 12 | $411 | $440 | $556 | $524 | Everyday Bronze | |
| Highmark Blue Cross Blue Shield (PA)Highmark Health (Blue Cross Blue Shield company) | 44 | $317 | $416 | $650 | $545 | Together Blue EPO Bronze 9200 |
All 78 plans in Westmoreland County, cheapest first
| Compare | Insurer | Plan | Metal | Network | Monthly | Deductible | Out-of-pocket max | Bad year |
|---|---|---|---|---|---|---|---|---|
| Highmark Blue Cross Blue Shield (PA) | Together Blue Major Events EPO Catastrophic 10600 - 3 Free PCP Visits | Catastrophic | EPO | $255 | $10,600 | $10,600 | $13,660 | |
| 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 - Select Network | Catastrophic | EPO | $311 | $10,600 | $10,600 | $14,328 | |
| Highmark Blue Cross Blue Shield (PA) | Together Blue EPO Bronze 9200 | Bronze | EPO | $317 | $9,200 | $9,200 | $13,001 | |
| UPMC Health Plan | UPMC Advantage Bronze $6,700/$0 - Select Network | Bronze | EPO | $326 | $6,700 | $10,600 | $14,506 | |
| Highmark Blue Cross Blue Shield (PA) | Together Blue EPO Bronze 3800 | Expanded Bronze | EPO | $336 | $3,800 | $9,900 | $13,933 | |
| UPMC Health Plan | UPMC Advantage Bronze $6,700/$0 - Select Network with Adult Dental and Vision | Bronze | EPO | $346 | $6,700 | $10,600 | $14,748 | |
| UPMC Health Plan | UPMC VirtualCare Bronze $4,400/$80 - Select Network | Expanded Bronze | EPO | $354 | $4,400 | $9,200 | $13,453 | |
| Highmark Blue Cross Blue Shield (PA) | my Blue Access Major Events PPO Catastrophic 10600 - 3 Free PCP Visits | Catastrophic | PPO | $357 | $10,600 | $10,600 | $14,886 | |
| Highmark Blue Cross Blue Shield (PA) | Together Blue EPO Bronze 3800 + Adult Dental and Vision | Expanded Bronze | EPO | $362 | $3,800 | $9,900 | $14,248 | |
| Highmark Blue Cross Blue Shield (PA) | my Direct Blue EPO Bronze 9200 | Bronze | EPO | $380 | $9,200 | $9,200 | $13,762 | |
| Highmark Blue Cross Blue Shield (PA) | Together Blue EPO Gold 1700 HSA | Gold | EPO | $398 | $1,700 | $7,500 | $12,271 | |
| UPMC Health Plan | UPMC Advantage Gold HSA $2,900/10% - Select Network | Gold | EPO | $400 | $2,900 | $6,000 | $10,796 | |
| Ambetter (Centene) | Everyday Bronze | Expanded Bronze | HMO | $411 | $8,450 | $10,150 | $15,081 | |
| UPMC Health Plan | UPMC Advantage Catastrophic $10,600/$0 - Premium Network | Catastrophic | PPO | $411 | $10,600 | $10,600 | $15,536 | |
| Highmark Blue Cross Blue Shield (PA) | my Direct Blue EPO Bronze 3800 | Expanded Bronze | EPO | $416 | $3,800 | $9,900 | $14,891 | |
| Ambetter (Centene) | Everyday Bronze + Vision + Adult Dental | Expanded Bronze | HMO | $421 | $8,450 | $10,150 | $15,203 | |
| Highmark Blue Cross Blue Shield (PA) | Together Blue Virtual Choice EPO Gold 1500 | Gold | EPO | $431 | $1,500 | $8,300 | $13,466 | |
| UPMC Health Plan | UPMC Advantage Bronze $6,700/$0 - Premium Network | Bronze | PPO | $431 | $6,700 | $10,600 | $15,771 | |
| 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 | |
| Highmark Blue Cross Blue Shield (PA) | Together Blue EPO Gold 0 | Gold | EPO | $446 | $0 | $7,500 | $12,852 | |
| Highmark Blue Cross Blue Shield (PA) | my Blue Access PPO Bronze 9200 | Bronze | PPO | $450 | $9,200 | $9,200 | $14,595 | |
| UPMC Health Plan | UPMC Advantage Bronze $6,700/$0 - Premium Network with Adult Dental and Vision | Bronze | PPO | $451 | $6,700 | $10,600 | $16,012 | |
| UPMC Health Plan | UPMC Advantage Gold $1,000/$20 - Select Network | Gold | EPO | $451 | $1,000 | $7,500 | $12,914 | |
| Highmark Blue Cross Blue Shield (PA) | Together Blue Virtual Choice Gold 1500 + Adult Dental and Vision | Gold | EPO | $457 | $1,500 | $8,300 | $13,781 | |
| Ambetter (Centene) | Elite Bronze | Expanded Bronze | HMO | $458 | $0 | $10,500 | $16,002 | |
| Highmark Blue Cross Blue Shield (PA) | Together Blue EPO Premier Gold 0 | Gold | EPO | $460 | $0 | $6,900 | $12,420 | |
| Highmark Blue Cross Blue Shield (PA) | Together Blue EPO Silver 6000 | Silver | EPO | $466 | $6,000 | $8,600 | $14,189 | |
| Ambetter (Centene) | Elite Bronze + Vision + Adult Dental | Expanded Bronze | HMO | $470 | $0 | $10,500 | $16,138 | |
| UPMC Health Plan | UPMC Advantage Gold $1,000/$20 - Select Network with Adult Dental and Vision | Gold | EPO | $471 | $1,000 | $7,500 | $13,156 | |
| Highmark Blue Cross Blue Shield (PA) | Together Blue EPO Gold 0 + Adult Dental and Vision | Gold | EPO | $472 | $0 | $7,500 | $13,167 | |
| UPMC Health Plan | UPMC First Care Gold $0/$20 - Select Network | Gold | EPO | $475 | $0 | $8,500 | $14,205 | |
| Highmark Blue Cross Blue Shield (PA) | Together Blue EPO Premier Gold 0 + Adult Dental and Vision | Gold | EPO | $486 | $0 | $6,900 | $12,735 | |
| Highmark Blue Cross Blue Shield (PA) | my Blue Access PPO Bronze 3800 | Expanded Bronze | PPO | $492 | $3,800 | $9,900 | $15,802 | |
| 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 | |
| Highmark Blue Cross Blue Shield (PA) | Together Blue EPO Premier Silver 0 | Silver | EPO | $508 | $0 | $9,700 | $15,802 | |
| Highmark Blue Cross Blue Shield (PA) | my Blue Access PPO Bronze 3800 + Adult Dental and Vision | Expanded Bronze | PPO | $510 | $3,800 | $9,900 | $16,015 | |
| Ambetter (Centene) | Everyday Gold | Gold | HMO | $510 | $800 | $7,250 | $13,371 | |
| UPMC Health Plan | UPMC VirtualCare Silver $4,400/$35 - Select Network | Silver | EPO | $516 | $4,400 | $10,600 | $16,794 | |
| UPMC Health Plan | UPMC Advantage Silver $7,000/$45 - Select Network | Silver | EPO | $521 | $7,000 | $10,600 | $16,852 | |
| 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 Gold + Vision + Adult Dental | Gold | HMO | $523 | $800 | $7,250 | $13,522 | |
| Ambetter (Centene) | Complete Gold | Gold | HMO | $525 | $1,450 | $7,500 | $13,799 | |
| UPMC Health Plan | UPMC Advantage Gold HSA $2,900/10% - Premium Network | Gold | PPO | $529 | $2,900 | $6,000 | $12,350 | |
| Highmark Blue Cross Blue Shield (PA) | Together Blue EPO Premier Platinum 0 | Platinum | EPO | $532 | $0 | $5,000 | $11,382 | |
| Highmark Blue Cross Blue Shield (PA) | Together Blue EPO Premier Silver 0 + Adult Dental and Vision | Silver | EPO | $535 | $0 | $9,700 | $16,116 | |
| Ambetter (Centene) | Complete Gold + Vision + Adult Dental | Gold | HMO | $538 | $1,450 | $7,500 | $13,955 | |
| UPMC Health Plan | UPMC Advantage Silver $7,000/$45 - Select Network with Adult Dental and Vision | Silver | EPO | $541 | $7,000 | $10,600 | $17,094 | |
| Highmark Blue Cross Blue Shield (PA) | my Direct Blue EPO Gold 0 | Gold | EPO | $545 | $0 | $7,500 | $14,041 | |
| Ambetter (Centene) | Complete Silver | Silver | HMO | $548 | $5,950 | $8,850 | $15,428 | |
| UPMC Health Plan | UPMC Advantage Silver $2,600/$50 - Select Network | Silver | EPO | $549 | $2,600 | $10,600 | $17,194 | |
| Ambetter (Centene) | Focused Silver | Silver | HMO | $550 | $6,300 | $8,400 | $14,994 | |
| Highmark Blue Cross Blue Shield (PA) | Together Blue EPO Premier Platinum 0 + Adult Dental and Vision | Platinum | EPO | $558 | $0 | $5,000 | $11,696 | |
| Ambetter (Centene) | Complete Silver + Vision + Adult Dental | Silver | HMO | $562 | $5,950 | $8,850 | $15,591 | |
| Highmark Blue Cross Blue Shield (PA) | my Direct Blue EPO Gold 0 + Adult Dental and Vision | Gold | EPO | $563 | $0 | $7,500 | $14,253 | |
| Ambetter (Centene) | Focused Silver + Vision + Adult Dental | Silver | HMO | $563 | $6,300 | $8,400 | $15,158 | |
| 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 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 Gold 1700 HSA | Gold | PPO | $587 | $1,700 | $7,500 | $14,545 | |
| Highmark Blue Cross Blue Shield (PA) | my Direct Blue EPO Silver 6000 | Silver | EPO | $591 | $6,000 | $8,600 | $15,691 | |
| Highmark Blue Cross Blue Shield (PA) | my Blue Access PPO Gold 1500 | Gold | PPO | $597 | $1,500 | $8,300 | $15,465 | |
| UPMC Health Plan | UPMC Advantage Gold $1,000/$20 - Premium Network | Gold | PPO | $600 | $1,000 | $7,500 | $14,699 | |
| Highmark Blue Cross Blue Shield (PA) | my Blue Access PPO Gold 1500 + Adult Dental and Vision | Gold | PPO | $615 | $1,500 | $8,300 | $15,678 | |
| UPMC Health Plan | UPMC Advantage Gold $1,000/$20 - Premium Network with Adult Dental and Vision | Gold | PPO | $620 | $1,000 | $7,500 | $14,941 | |
| UPMC Health Plan | UPMC First Care Gold $0/$20 - Premium Network | Gold | PPO | $636 | $0 | $8,500 | $16,128 | |
| Highmark Blue Cross Blue Shield (PA) | my Blue Access PPO Gold 0 | Gold | PPO | $645 | $0 | $7,500 | $15,234 | |
| Highmark Blue Cross Blue Shield (PA) | my Direct Blue EPO Premier Silver 0 | Silver | EPO | $650 | $0 | $9,700 | $17,497 | |
| Highmark Blue Cross Blue Shield (PA) | my Blue Access PPO Gold 0 + Adult Dental and Vision | Gold | PPO | $662 | $0 | $7,500 | $15,447 | |
| Highmark Blue Cross Blue Shield (PA) | my Blue Access PPO Premier Gold 0 | Gold | PPO | $666 | $0 | $6,900 | $14,891 | |
| 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 | |
| Highmark Blue Cross Blue Shield (PA) | my Blue Access PPO Premier Gold 0 + Adult Dental and Vision | Gold | PPO | $684 | $0 | $6,900 | $15,104 | |
| UPMC Health Plan | UPMC Advantage Silver $7,000/$45 - Premium Network | Silver | PPO | $692 | $7,000 | $10,600 | $18,905 | |
| Highmark Blue Cross Blue Shield (PA) | my Blue Access PPO Silver 6000 | Silver | PPO | $699 | $6,000 | $8,600 | $16,985 | |
| UPMC Health Plan | UPMC Advantage Silver $7,000/$45 - Premium Network with Adult Dental and Vision | Silver | PPO | $712 | $7,000 | $10,600 | $19,147 | |
| UPMC Health Plan | UPMC Advantage Silver $2,600/$50 - Premium Network | Silver | PPO | $732 | $2,600 | $10,600 | $19,390 | |
| Highmark Blue Cross Blue Shield (PA) | my Blue Access PPO Premier Silver 0 | Silver | PPO | $768 | $0 | $9,700 | $18,920 | |
| Highmark Blue Cross Blue Shield (PA) | my Blue Access PPO Premier Silver 0 + Adult Dental and Vision | Silver | PPO | $786 | $0 | $9,700 | $19,133 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $317 | $418 | $510 | 18 | $5,550 | $9,900 | $14,986 |
| Silver | $466 | $562 | $786 | 20 | $5,950 | $9,700 | $16,919 |
| Gold | $398 | $525 | $684 | 33 | $1,000 | $7,500 | $13,871 |
| Platinum | $532 | $545 | $558 | 2 | $0 | $5,000 | $11,539 |
| CatastrophicUnder 30 or hardship exemption only | $255 | $311 | $411 | 5 | $10,600 | $10,600 | $14,328 |
* 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.