Pennsylvania ACA health insurance plans for 2026.
Pennsylvania runs its own state-based Marketplace, Pennie, separate from HealthCare.gov. SilverEdge can quote and enroll you on Pennie directly. We compare every on-exchange carrier in your county — Independence Blue Cross, Highmark, Capital BlueCross, Geisinger, UPMC Health Plan, Aetna, and Cigna — and check your doctor's network before you enroll.
Pennsylvania's ACA Marketplace
Pennsylvania runs its own state-based Marketplace, Pennie, separate from HealthCare.gov. SilverEdge can quote and enroll you on Pennie directly.
Most Pennsylvanians qualify for federal premium tax credits, and Pennie has consistently kept some of the lowest average ACA premiums in the country. Nearly 90% of Pennie enrollees receive premium assistance.
2026 Pennsylvania Marketplace carriers
Availability varies by county and metal tier (Bronze, Silver, Gold).
2026 Pennsylvania on-exchange carriers include: Independence Blue Cross, Highmark, Capital BlueCross, Geisinger, UPMC Health Plan, Aetna, and Cigna.
Networks vary widely. Some plans use narrow networks built around a single health system; others use broader statewide PPOs. We verify your doctor and preferred hospital before recommending any plan.
Medicaid expansion in Pennsylvania
Pennsylvania expanded Medicaid under the ACA in 2015. Adults under 138% of the Federal Poverty Level generally qualify for Medical Assistance (PA's Medicaid program) — there is no Pennsylvania coverage gap.
Pennsylvania ACA enrollment dates
- Open Enrollment: November 1, 2025 – January 15, 2026 for 2026 coverage.
- Plan effective dates: Plans selected by December 15 start January 1; plans selected December 16 – January 15 start February 1.
- Special Enrollment Period (SEP): Triggered by qualifying life events — losing coverage, marriage, birth, moving, income change. Runs 60 days from the event date.
Pennsylvania counties we cover
All 67 Pennsylvania counties.
Ready to enroll in Pennsylvania ACA coverage?
Free, no pressure. Licensed in Pennsylvania and all 50 states. We'll check your subsidy, compare every Marketplace plan in your county, and verify your doctor's network — all before you enroll.