Health insurance for Pennsylvanians who buy their own.
We help Pennsylvanians who buy their own health coverage, including people leaving a job, running their own business or retiring before 65, compare Marketplace plans and plans outside it.
Pennsylvania plans we compare
What’s different about health insurance in Pennsylvania.
Every state runs its individual market a little differently. These are the rules that matter most if you buy your own coverage here.
Read the Pennsylvania FAQ- Pennsylvania runs its own marketplace, Pennie, so you enroll at pennie.com rather than HealthCare.gov.
- Open enrollment for 2027 coverage runs November 1, 2026 to January 15, 2027; sign up by December 15 for a January 1 start.
- Enhanced federal tax credits ended after 2025, and Pennie estimated current enrollees' costs rose 102% on average for 2026.
- Pennsylvania's mini-COBRA lets workers at employers with 2 to 19 employees keep group coverage for up to 9 months.
- Medicaid is expanded to adults up to 138% of the poverty level, but work requirements and six-month renewals start in January 2027.
- The state still enforces a four-month total limit on short-term plans even though federal enforcement stopped.
However you got here, there’s a better plan than the first one you were offered.
Leaving a job, or staring at a COBRA bill
Compare COBRA and Pennsylvania's own continuation rules with Marketplace plans and everything else you qualify for.
Compare your options
Retired before 65
Bridge the years to Medicare without draining savings.
Learn more
Self-employed or 1099
Solid coverage, manageable premiums, and the tax deduction most people miss.
Learn moreLooking beyond the Marketplace
Health sharing and other non-ACA options, with the trade-offs explained.
Learn moreNeed coverage for a short gap
What short-term coverage looks like in Pennsylvania, and what to use instead.
Learn moreWho sells plans in Pennsylvania
Every insurer offering individual and family plans for 2026.
Learn moreFrom first conversation to coverage in three steps.
- 1
Tell us your situation
Share your ZIP, age, budget and the doctors you want to keep. Online or by phone, with no commitment.
About 5 minutes - 2
We compare every option
A licensed agent checks the plans sold in your county for premiums, deductibles, networks and prescriptions.
Usually within 1 business day - 3
Enroll with confidence
See your best matches side by side. Pick one and we handle the enrollment, then stay with you for renewals.
We handle the paperwork
Straight answers before you call.
More in our Pennsylvania FAQ, or ask an agent at (888) 214-4898.
Pennie's open enrollment for 2027 runs from November 1, 2026 to January 15, 2027. To have coverage start January 1, pick a plan by December 15, 2026. Dates have shifted during federal court cases, so confirm them at pennie.com.
No. Pennsylvania runs its own marketplace called Pennie, at pennie.com. It is the only place to get federal tax credits on an individual plan in the state.
The enhanced federal tax credits ended after 2025 and insurers also raised base rates by about 21.5% on average. Pennie estimated that enrollees keeping the same plan saw what they paid rise 102% on average.
Yes. Starting in 2027, many lawfully present immigrants other than green card holders lose eligibility for tax credits, and the monthly low-income special enrollment period with financial help is gone. Log in, update your income and compare plans rather than letting your plan renew on its own.
See what you'd actually pay.
A licensed agent will compare plans from every insurer in your Pennsylvania county, check your subsidy, and walk you through the options. No cost, no obligation.