Best Cheap Health Insurance in Pennsylvania 2020
Cheap health insurance plans in Pennsylvania are available through the state exchange, though some shoppers can qualify for Medicaid depending on their household income. For 2020, the average cost of health insurance in the state is $471, down less than 1% from the 2018 average.
Find Cheap Health Insurance Quotes in Pennsylvania
To help you find your best health insurance coverage, we evaluated all Pennsylvania plans and found that in most of the state, either the my Priority Blue Flex EPO Silver 3950 HSA or UPMC Advantage Silver $2,000/$80 was the cheapest Silver plan available. These insurers aren't available on the marketplace in every Pennsylvania county, but they consistently offered some of the best health insurance rates across different tiers of coverage in regions where they're listed.
Cheapest health insurance by metal tier
We compared Pennsylvania plans by metal tier in order to help you find a cheap health insurance policy for your preferred level of coverage.
The set of insurers and plans available is determined by the county you live in, so not all of the policies listed below are offered everywhere in the state.
But we recommend using these as a starting point to assess the benefits you can expect for a given tier of coverage as compared to premiums and out-of-pocket costs.
| Metal tier | Cheapest plan | Deductible | Maximum out-of-pocket | Monthly cost for a 40-year-old |
|---|---|---|---|---|
| Catastrophic | Together Blue Major Events EPO 8150 - 3 Free PCP Visits | $8,150 | $8,150 | $200 |
| Bronze | Together Blue EPO Bronze 7900 | $7,900 | $7,900 | $239 |
| Expanded Bronze | Together Blue EPO Bronze 3900 | $3,900 | $7,900 | $250 |
| Silver | Together Blue EPO Silver 3950 HSA | $3,950 | $6,750 | $329 |
| Gold | Together Blue EPO Gold 0-2 Free PCP Visits | $0 | $7,500 | $343 |
| Platinum | Keystone HMO Platinum | $0 | $5,000 | $861 |
In addition to metal tier, the actual cost of a health insurance plan in Pennsylvania will depend on the policy you choose, as well as your age and the number of people insured.
So, for instance, a younger couple with no children will pay cheaper rates than an older couple with multiple children covered. As you can see below, age alone has a significant impact on health insurance premiums across every tier.
Finding your best health insurance coverage in Pennsylvania
Where you live in Pennsylvania and your income will determine your best cheap health insurance plan available. Pennsylvania expanded Medicaid under the Affordable Care Act, so if your household income is up to 138% of the federal poverty level, you'll qualify for this coverage in the state.
For those that don't qualify for Medicaid, your best health insurance options will typically be through the state marketplace, particularly if you have a low household income.
Many households can qualify for tax subsidies to help lower the cost of health insurance coverage for an exchange plan.
Health insurance plans on the Pennsylvania exchange are divided into metal tiers, which indicate a plan's level of benefits, out-of-pocket expenses and monthly costs.
Gold and Platinum plans: Best for high expected medical costs
The higher metal tier health plans, such as Gold and Platinum tiers, come with higher premiums, but significantly lower out-of-pocket expenses, such as deductibles, copays and coinsurance.
For instance, people with consistent prescription needs may want to consider Gold and Platinum plans that have cheap out-of-pocket expenses for prescription drugs.
Silver plans: Best for average medical costs or people with low income
If you're looking for a middle ground — health insurance with both affordable premiums and out-of-pocket expenses — we typically recommend looking at Silver plans. Silver health insurance plans have lower out-of-pocket costs than Bronze plans, but cheaper monthly premiums than the Gold or Platinum policies.
In addition, if you have a lower income household, Silver plans are eligible for cost-sharing reduction (CSR) subsidies, meaning you may qualify for an even more affordable rate.
Bronze and Catastrophic plans: Best for young, healthy people with savings
Lower-tier plans, such as Bronze and Catastrophic plans, have lower monthly premiums, but your total expenses will be much higher if you need medical care due to the high cost-sharing features.
Therefore, these plans may be the best cheap option for young and healthy shoppers who have low expected medical needs and enough savings to cover the high deductibles, copays and coinsurance if necessary.
But, keep in mind that Catastrophic plans aren't available for everyone — you'll only qualify for these policies if you're under the age of 30 or meet certain exemptions.
Health insurance rate changes in Pennsylvania
Health insurance rates are determined by each health provider and then submitted for approval to the federal exchange. For 2020, Platinum policies have seen the largest increase of 22.5% since the 2018 plan year. Additionally, Silver plans have only seen a slight uptick, increasing $14 per month over the time period.
| Metal tier | 2018 Premium | 2020 Premium | % Change |
|---|---|---|---|
| Catastrophic | $303 | $324 | 6.84% |
| Bronze | $378 | $355 | -5.97% |
| Expanded Bronze | $390 | $418 | 7.06% |
| Silver | $504 | $518 | 2.76% |
| Gold | $522 | $544 | 4.15% |
| Platinum | $742 | $909 | 22.47% |
Short-term health insurance in Pennsylvania
Pennsylvania residents can purchase short-term health insurance through providers outside of the health exchange. These policies, which can be purchased at any time during the year, are a good option if you missed the open enrollment period or lost employer-sponsored coverage.
Pennsylvania follows federal guidelines when it comes to short-term health insurance. Initial coverage is limited to one year, and policies can be renewed up to 36 months.
Find Cheap Health Insurance Quotes in Your Area
Best cheap health insurance companies in Pennsylvania
There are currently twelve health insurance companies on the Pennsylvania state exchange:
- UPMC Health Options, Inc.
- Geisinger Health Plan
- Highmark Inc.
- Capital Advantage Assurance Company
- Geisinger Quality Options
- Highmark Choice Company
- Highmark Coverage Advantage Inc.
- Highmark Benefits Group Inc.
- Independence Blue Cross (QCC Ins. Co.)
- Keystone Health Plan East, Inc
- Pennsylvania Health & Wellness, Inc.
- Oscar Health Plan of Pennsylvania, Inc.
None of the insurers are available in every county in Pennsylvania, however UPMC is available in most regions of the state.
These insurers offered the cheapest Silver health plans in the 67 counties where they are listed on the exchange, so we recommend starting with them when searching for the best health insurance policy for yourself. If you live in a county in Pennsylvania UPMC isn't offered, you can typically find the most affordable health plan rates from the Highmark Health Insurance Co.
Cheapest health Insurance plan by county
The insurers and health insurance plans available on the Pennsylvania Health Insurance Marketplace will vary depending on the county you live in. To help you get started finding your best cheap health insurance policy, we identified the cheapest Silver plan in each county in the state.
Below, you can see sample monthly premiums for each of the plans based on your family size.
| County | Cheapest Plan | Age 40 | Couple, Age 40 | Couple, Age 40 + Child |
|---|---|---|---|---|
| Adams | UPMC Advantage Silver $3,500/$25 - Premium Network | $602 | $1,204 | $1,565 |
| Allegheny | Together Blue EPO Silver 3950 HSA | $329 | $657 | $854 |
| Armstrong | UPMC Advantage Silver $2,000/$80 - Premium Network | $440 | $880 | $1,144 |
| Beaver | UPMC Advantage Silver $2,000/$80 - Select Network | $353 | $706 | $918 |
| Bedford | UPMC Advantage Silver $2,000/$80 - Partner Network | $334 | $669 | $869 |
| Berks | my Direct Blue EPO Silver 3950 HSA | $507 | $1,015 | $1,319 |
| Blair | UPMC Advantage Silver $2,000/$80 - Partner Network | $334 | $669 | $869 |
| Bradford | my Priority Blue Flex EPO Silver 3950 HSA | $434 | $867 | $1,127 |
| Bucks | Oscar Classic Silver Next | $461 | $921 | $1,197 |
| Butler | UPMC Advantage Silver $2,000/$80 - Select Network | $353 | $706 | $918 |
| Cambria | UPMC Advantage Silver $2,000/$80 - Premium Network | $440 | $880 | $1,144 |
| Cameron | UPMC Advantage Silver $2,000/$80 - Premium Network | $483 | $965 | $1,254 |
| Carbon | my Priority Blue Flex EPO Silver 3950 HSA | $434 | $867 | $1,127 |
| Centre | Silver PPO 6000/20/40 | $577 | $1,154 | $1,500 |
| Chester | Oscar Classic Silver Next | $461 | $921 | $1,197 |
| Clarion | UPMC Advantage Silver $2,000/$80 - Premium Network | $440 | $880 | $1,144 |
| Clearfield | UPMC Advantage Silver $2,000/$80 - Premium Network | $440 | $880 | $1,144 |
| Clinton | UPMC Advantage Silver $2,000/$80 - Partner Network | $422 | $844 | $1,096 |
| Columbia | Silver PPO 6000/20/40 | $577 | $1,154 | $1,500 |
| Crawford | UPMC Advantage Silver $2,000/$80 - Premium Network | $440 | $880 | $1,144 |
| Cumberland | my Direct Blue EPO Silver 3950 HSA | $498 | $995 | $1,293 |
| Dauphin | my Direct Blue EPO Silver 3950 HSA | $498 | $995 | $1,293 |
| Delaware | Oscar Classic Silver Next | $461 | $921 | $1,197 |
| Elk | UPMC Advantage Silver $2,000/$80 - Premium Network | $483 | $965 | $1,254 |
| Erie | Together Blue EPO Silver 3950 HSA | $329 | $657 | $854 |
| Fayette | UPMC Advantage Silver $2,000/$80 - Select Network | $353 | $706 | $918 |
| Forest | UPMC Advantage Silver $2,000/$80 - Premium Network | $440 | $880 | $1,144 |
| Franklin | my Direct Blue EPO Silver 3950 HSA | $498 | $995 | $1,293 |
| Fulton | Silver PPO 6000/20/40 | $583 | $1,166 | $1,515 |
| Greene | UPMC Advantage Silver $2,000/$80 - Premium Network | $440 | $880 | $1,144 |
| Huntingdon | UPMC Advantage Silver $2,000/$80 - Premium Network | $440 | $880 | $1,144 |
| Indiana | UPMC Advantage Silver $2,000/$80 - Premium Network | $440 | $880 | $1,144 |
| Jefferson | UPMC Advantage Silver $2,000/$80 - Premium Network | $440 | $880 | $1,144 |
| Juniata | Silver PPO 6000/20/40 | $583 | $1,166 | $1,515 |
| Lackawanna | my Priority Blue Flex EPO Silver 3950 HSA | $434 | $867 | $1,127 |
| Lancaster | my Direct Blue EPO Silver 3950 HSA | $507 | $1,015 | $1,319 |
| Lawrence | UPMC Advantage Silver $2,000/$80 - Partner Network | $334 | $669 | $869 |
| Lebanon | my Direct Blue EPO Silver 3950 HSA | $498 | $995 | $1,293 |
| Lehigh | my Direct Blue Lehigh Valley EPO Silver 3950 HSA | $515 | $1,031 | $1,340 |
| Luzerne | my Priority Blue Flex EPO Silver 3950 HSA | $434 | $867 | $1,127 |
| Lycoming | UPMC Advantage Silver $2,000/$80 - Partner Network | $422 | $844 | $1,096 |
| McKean | UPMC Advantage Silver $2,000/$80 - Premium Network | $440 | $880 | $1,144 |
| Mercer | UPMC Advantage Silver $2,000/$80 - Partner Network | $334 | $669 | $869 |
| Mifflin | Silver PPO 6000/20/40 | $577 | $1,154 | $1,500 |
| Monroe | my Priority Blue Flex EPO Silver 3950 HSA | $434 | $867 | $1,127 |
| Montgomery | Oscar Classic Silver Next | $461 | $921 | $1,197 |
| Montour | Silver PPO 6000/20/40 | $577 | $1,154 | $1,500 |
| Northampton | my Direct Blue Lehigh Valley EPO Silver 3950 HSA | $515 | $1,031 | $1,340 |
| Northumberland | Silver PPO 6000/20/40 | $577 | $1,154 | $1,500 |
| Perry | my Direct Blue EPO Silver 3950 HSA | $498 | $995 | $1,293 |
| Philadelphia | Oscar Classic Silver Next | $461 | $921 | $1,197 |
| Pike | my Priority Blue Flex EPO Silver 3950 HSA | $434 | $867 | $1,127 |
| Potter | UPMC Advantage Silver $2,000/$80 - Premium Network | $483 | $965 | $1,254 |
| Schuylkill | my Direct Blue Lehigh Valley EPO Silver 3950 HSA | $515 | $1,031 | $1,340 |
| Snyder | Silver PPO 6000/20/40 | $577 | $1,154 | $1,500 |
| Somerset | UPMC Advantage Silver $2,000/$80 - Premium Network | $440 | $880 | $1,144 |
| Sullivan | my Priority Blue Flex EPO Silver 3950 HSA | $434 | $867 | $1,127 |
| Susquehanna | my Priority Blue Flex EPO Silver 3950 HSA | $434 | $867 | $1,127 |
| Tioga | UPMC Advantage Silver $2,000/$80 - Partner Network | $422 | $844 | $1,096 |
| Union | Silver PPO 6000/20/40 | $577 | $1,154 | $1,500 |
| Venango | UPMC Advantage Silver $2,000/$80 - Partner Network | $334 | $669 | $869 |
| Warren | UPMC Advantage Silver $2,000/$80 - Premium Network | $440 | $880 | $1,144 |
| Washington | Together Blue EPO Silver 3950 HSA | $329 | $657 | $854 |
| Wayne | my Priority Blue Flex EPO Silver 3950 HSA | $434 | $867 | $1,127 |
| Westmoreland | UPMC Advantage Silver $2,000/$80 - Select Network | $353 | $706 | $918 |
| Wyoming | my Priority Blue Flex EPO Silver 3950 HSA | $434 | $867 | $1,127 |
| York | UPMC Advantage Silver $3,500/$25 - Premium Network | $602 | $1,204 | $1,565 |
Average cost of health insurance by family size in Pennsylvania
When you purchase a health insurance plan in Pennsylvania, you can also add your spouse and children to the policy, which will increase your premiums with each person covered. The cost of coverage for spouses and children over the age of 14 is determined by the age of the person being insured. Children ages 14 and younger can be added to your health insurance plan for a cheaper, flat rate.
Though the actual cost will vary according to the plan you choose, as you can see below, the average cost of adding a 40-year-old spouse to a Silver plan is $518. Adding a child to a Silver health insurance plan costs $310 on average.
| Family Size | Average monthly cost of health plan |
|---|---|
| Individual + Child | $828 |
| Couple Age 40 | $1,036 |
| Family of three (Adult couple and a child) | $1,346 |
| Family of four (Adult couple and two children) | $1,656 |
| Family of five (Adult couple and three children) | $1,966 |
Methodology
Health insurance rates and plans in Pennsylvania were compiled from the Centers for Medicaid & Medicare Services (CMS) government website. ValuePenguin used the Public Use Files (PUF) to average premiums by metal tier, county and family size to provide an overall view of health insurance cost for the state of Pennsylvania.
Sterling Price is a research analyst at ValuePenguin specializing in health and life insurance. He graduated from Syracuse University with a bachelors degree in Finance and Accounting and has previous experience as a licensed life insurance representative.
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.