Health Insurance

Best Cheap Health Insurance in Pennsylvania (2024)

The cheapest Silver health insurance plan in Pennsylvania is the Jefferson Health Plans Total Silver.

Find Cheap Health Insurance Quotes in Pennsylvania

Currently insured?
icon
No spam. No hassle. No hidden costs.

Jefferson Health Plans Total Silver is the cheapest Silver health insurance plan in Pennsylvania. It costs as little as $362 per month for a 40-year-old, and it's available to the more than 3 million people who live in Philadelphia, Montgomery and Bucks counties.

A Silver health plan in Pennsylvania costs $576 per month on average for a 40-year-old.

If you don't live in the Philadelphia metro area, you should consider Ambetter's Clear Silver, which is the cheapest health insurance for about a third of Pennsylvania's population. If you live in or near Pittsburgh, your best option is the Highmark Blue Cross Blue Shield Together Blue EPO Silver.

Highmark Blue Cross Blue Shield (BCBS) is the best health insurance company in Pennsylvania. It has a low average rate of $403 per month for a 40-year-old with a Silver plan. In addition, Highmark gets only 10% of the complaints of an average health insurance company its size.

How much does health insurance cost in Pennsylvania?

Health insurance in Pennsylvania costs $576 per month for a 40-year-old with a Silver health plan. You'll likely pay a cheaper rate if you choose a Bronze plan. In most states, you'll pay a higher rate for a Gold plan. However, in Pennsylvania Gold plans actually cost less than Silver plans on average.

You should buy a Gold plan if it's cheaper than a Silver plan unless you qualify for cost-sharing reductions.

It's important to remember that although Bronze plans cost less per month, you'll pay more when you visit the doctor or get a prescription filled. By contrast, you'll pay less when you get medical care with a Gold plan.

Cheapest health insurance in Pennsylvania

Compare Health Insurance Quotes in Pennsylvania

Currently insured?
icon
No spam. No hassle. No hidden costs.

Aside from the plan tier you choose, your age is the other largest factor that influences your health insurance quotes. On average, you'll pay more for health insurance as you get older. In Pennsylvania, a 40-year-old will pay 28% more for the same level of coverage compared to a 21-year-old. A 60-year-old in Pennsylvania will pay more than twice as much for the same plan as a 40-year-old.

Fortunately, you won't have to face high health insurance costs once you retire because of Medicare, a low-cost health insurance program for seniors. Most people pay just $174.70 per month for Original Medicare.

Cheapest health insurance in Pennsylvania

The cheapest Silver health insurance plan in Pennsylvania is the Jefferson Health Plans Total Silver, which costs as little as $362 per month. However, the cheapest plan for you will depend on your location and the plan tier you choose.

Tier
Cheapest plan
Monthly cost
Bronze Highmark BCBS Together Blue EPO Bronze $244
Silver Jefferson Health Plans Total Silver $362
Gold UPMC Advantage Gold $307

Monthly costs are for a 40-year-old.

Finding your best health insurance coverage in Pennsylvania

The best health insurance plan for you will depend on your health and financial well-being. In Pennsylvania, most people will be better off with a Gold plan since they cost less than Silver plans on average, and you'll pay less when you visit the doctor.

Silver plans typically offer a middle ground between Bronze and Gold. However, you should only buy a Silver plan in Pennsylvania if you qualify for cost-sharing reductions or if you live in an area where Silver plans are cheaper than Gold plans. Bronze plans may be a good option if you're healthy and you can afford a high, unexpected medical bill.

Plan tiers have nothing to do with which medical services a plan covers.

When shopping for a health insurance plan, it's important to remember that plan tiers only relate to how you pay for your insurance and medical services. A Gold plan won't necessarily pay for more medical services than a Bronze plan.

Gold plans: Best for most people

Gold plans typically have the most expensive monthly rates. However, these plans also have the lowest out-of-pocket costs, such as your deductible, copays and coinsurance.

In Pennsylvania, Gold plans are cheaper than Silver plans on average. You should buy a Gold plan if it's cheaper than the cheapest Silver plan. However, keep in mind that this is a statewide average, meaning Gold plans may not be the most affordable option where you live.

You will benefit from a Gold plan if you have a chronic illness that causes you to visit the hospital often. For healthy people, Gold plans sometimes don't make sense financially because of their high rates.

Currently, no companies sell Platinum health insurance in Pennsylvania.

Silver plans: Best for people who qualify for cost-sharing reductions

If you earn a low income, you can qualify for subsidies that help you pay for the portion of your medical bill that you're responsible for, also called cost-sharing reductions (CSRs), with a Silver plan.

No other plan tiers are eligible for cost-sharing reductions.

Bronze plans: Best for healthy people with emergency savings

Bronze plans typically have the lowest monthly rates. You may save money with a Bronze plan if you rarely visit the hospital. However, even a single accident or unexpected illness can wipe out these savings overnight.

You should only consider a Bronze plan if you have enough money saved up to meet your policy's high deductible.

Medicaid: Best if you have a low income

In Pennsylvania, you can qualify for Medicaid, a type of free government health insurance, if you earn about $20,000 or less per year (roughly $41,000 for a family of four).

Seniors who earn a low income may be eligible for even more coverage if they dual qualify for Medicare and Medicaid.

For 2024, no company sells Catastrophic or Platinum health insurance in Pennsylvania.

You may qualify for premium tax credits if you can't afford regular health insurance but don't qualify for Medicaid. Premium tax credits, also known as marketplace subsidies, significantly lower the cost you pay for health insurance each month.

Are health insurance rates going up in Pennsylvania?

Average health insurance costs in Pennsylvania rose by 8% across all plan levels from 2023 to 2024.

Tier
2022
2023
2024
Change (2023 to 2024)
Bronze$348$380$4098%
Silver$498$532$5768%
Gold$476$508$5498%

Monthly costs are for a 40-year-old.

Compare Health Insurance Quotes in Pennsylvania

Currently insured?
icon
No spam. No hassle. No hidden costs.

Best cheap health insurance companies in Pennsylvania

Highmark Blue Cross Blue Shield (BCBS) is the best cheap health insurance company in Pennsylvania. Its two Pennsylvania subsidiaries have four or five stars from HealthCare.gov. These scores reflect factors like plan quality and customer satisfaction.

Best health insurance companies in PA

Company
Cost
Cigna logo
Cigna
$521
Oscar logo
Oscar
$517
Ambetter logo
Ambetter from PA Health and Wellness
$443
Jefferson Health Plans logo
Jefferson Health PlansNot yet rated$373
Highmark logo
Highmark Blue Cross Blue ShieldNot yet rated$403
Show All Rows

Average monthly cost for a 40-year-old buying a Silver plan in PA. Ratings are based on editor reviews of the company.

The best cheap health insurance for you will depend on where you live. For example, Jefferson Health Plans has the cheapest Silver health insurance in the Philadelphia metro region. But the Capital Blue Cross Choice Select Silver PPO is the cheapest Silver plan if you live in Harrisburg.

Cheapest health insurance plan by Pennsylvania county

The cheapest Silver health insurance plan for you will depend on which one of Pennsylvania's 67 counties you live in.

County
Cheapest Silver plan
Monthly rate
AdamsHighmark My Direct Blue EPO Silver$615
AlleghenyHighmark BCBS Together Blue EPO Silver$377
ArmstrongHighmark My Direct Blue EPO Silver$475
BeaverUPMC VirtualCare Select Network Silver EPO$400
BedfordUPMC VirtualCare Partner Network Silver EPO$389
Show All Rows

Cheapest Silver plan with rates for a 40-year-old

Short-term health insurance in Pennsylvania

You can buy short-term health insurance in Pennsylvania for up to 364 days at a time, and you can renew your policy for up to three years.

Only two companies, UnitedHealthcare and North River, offer short-term health insurance in Pennsylvania.

In most cases, you should not buy short-term health insurance because it doesn't have to offer the same level of coverage as a normal health plan. For example, short-term health plans can deny you coverage based on a preexisting condition. They also don't have to offer as much coverage as normal health insurance.

Short-term policies also don't qualify for government subsidies, such as premium tax credits and cost-sharing reductions. That means if you earn a low income, you'll probably pay less for a regular, marketplace health insurance plan.

Frequently asked questions

How much is health insurance in PA per month?

Health insurance in Pennsylvania costs $576 per month for a 40-year-old with a Silver plan. Your costs will depend on your age and the plan tier you choose.

Is health insurance free in Pennsylvania?

You can qualify for Medicaid, a type of free government health insurance, if you earn about $20,000 per year or less (roughly $41,000 for a family of four).

What's the best health insurance in Pennsylvania?

The best health insurance company in Pennsylvania is Highmark BCBS because of its cheap rates and high customer satisfaction scores. Depending on where you live in Pennsylvania, another insurance company like Ambetter or Jefferson Health Plans may be a better choice.

Methodology

ValuePenguin used public use files (PUFs) from the Centers for Medicare & Medicaid Services (CMS) to find average values by age, county and plan tier for the state of Pennsylvania. Medicaid income requirement information came from KFF and HealthCare.gov.

HealthCare.gov also supplied customer satisfaction data, and complaint rates were sourced from the National Association of Insurance Commissioners (NAIC). Short-term health insurance information came from healthinsurance.org.

Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.