Health Insurance Cost in Pennsylvania

Health insurance premiums in Pennsylvania vary by household size and plan type. Single coverage averages $470, while family plans average $1,280 monthly.

Premium Ranges by Household Size

Single Person

Monthly premium

Low End:$310

Average:$470

High End:$710

Couple

Monthly premium

Low End:$620

Average:$940

High End:$1,420

Family of 4

Monthly premium

Low End:$930

Average:$1,280

High End:$1,900

Health Insurance in Pennsylvania: Key Facts

Where to Buy

For ACA-compliant plans and subsidies, residents use Pennie.

Major Carriers

Common insurers in the state include:

UPMC Health PlanHighmarkIndependence Blue CrossGeisinger

Detailed Cost Breakdowns

Single Person Coverage

Monthly premiums range from $310 to $710

View details →

Couple Coverage

Monthly premiums range from $620 to $1,420

View details →

Family of 4 Coverage

Monthly premiums range from $930 to $1,900

View details →

Related Resources

ACA subsidy examples for Pennsylvania
See how subsidies can reduce your monthly premium
Income limits for ACA subsidies
Check if you qualify for financial assistance
Medical procedure costs in Pennsylvania
Understand out-of-pocket costs for common procedures

Information Sources

Sources & Disclaimer

Sources:

HealthCare.gov — Official ACA marketplace information and plan data
CMS Public Use Files — Federal marketplace enrollment and premium data
KFF Health Reform Analysis — Independent analysis of marketplace premium trends

Last Updated: January 2026

Disclaimer: The information provided is for educational purposes only. Actual costs vary based on individual circumstances, location, age, plan selection, and other factors. Always verify current information with official sources or licensed professionals. This site does not sell insurance or provide medical advice and is not affiliated with any insurance company or healthcare provider.