Pennsylvania Health Insurance Carriers for 2026
These are the insurers selling individual and family health plans in Pennsylvania for 2026, and where to buy them.
The Pennsylvania individual market in 2026
For 2026, fifteen insurance companies from eight insurer groups filed individual plans in Pennsylvania, including Highmark, Independence Blue Cross, Capital Blue Cross, UPMC, Geisinger, Ambetter, Oscar and Jefferson Health Plans. Approved 2026 rates rose 21.5% on average before tax credits, and the state has approved an average 15.97% increase for 2027. Which companies you can choose from depends on your county.
Insurers selling individual plans in Pennsylvania
| Insurer | Sells Marketplace plans | Notes |
|---|---|---|
| Highmark | Yes | Blue Cross Blue Shield insurer for western, central and northeastern Pennsylvania, filing 2026 individual plans under Highmark Inc., Highmark Benefits Group and Highmark Coverage Advantage. |
| Independence Blue Cross | Yes | Southeastern Pennsylvania Blue plan around Philadelphia, filing 2026 individual plans through Keystone Health Plan East and QCC Insurance Company. |
| Capital Blue Cross | Yes | Central Pennsylvania and Lehigh Valley Blue plan, filing 2026 individual plans through Capital Advantage Assurance Company and Keystone Health Plan Central. |
| UPMC Health Plan | Yes | Pittsburgh-based insurer tied to the UPMC health system, filing 2026 individual plans through UPMC Health Plan and UPMC Health Options. |
| Geisinger Health Plan | Yes | Insurer linked to the Geisinger system in central and northeastern Pennsylvania, filing through Geisinger Health Plan and Geisinger Quality Options; it had the smallest 2026 increase among the major filers (11.6%). |
| Ambetter Health of Pennsylvania | Yes | Centene's marketplace brand in Pennsylvania; it received the largest approved 2026 increase in the state (37.8%). |
| Oscar Health Plan of PA | Yes | Oscar sells 2026 individual Marketplace plans, with an approved 23.1% average increase for 2026. |
| Jefferson Health Plans | Yes | Philadelphia-area insurer (legal name Partners Insurance Company) that entered Pennie in 2024 in Bucks, Montgomery and Philadelphia counties; it was the only insurer with a 2026 rate decrease (10.1%). |
Not every insurer sells in every county. Your ZIP code determines which plans you can buy.
Pennsylvania questions
Don’t see your question? Ask a licensed agent or call (888) 214-4898.
Eight insurer groups: Ambetter, Capital Blue Cross, Geisinger, Highmark, Independence Blue Cross, Jefferson Health Plans, Oscar and UPMC. Not all of them sell in every county.
The Pennsylvania Insurance Department approved an average 15.97% increase for individual plans in 2027, down from 17.14% requested. Approved changes range from 1.4% for Oscar to 35.1% for Ambetter, before tax credits.
Aetna was not among the companies with approved 2026 individual-market rates in Pennsylvania. The 2026 list included Highmark, Independence, Capital Blue Cross, UPMC, Geisinger, Ambetter, Oscar and Jefferson Health Plans.
Sources
Reviewed October 2026. Rules and prices change every year; a licensed agent will confirm what applies to you.
- Pennsylvania Insurance Department: ACA 2026 Health Insurance Rates
- Pennsylvania Insurance Department: ACA 2027 Health Insurance Rates
- Penn State PORH: Pennsylvania Insurance Department Announces Proposed 2026 Health Insurance Rates
- Becker's Payer Issues: Jefferson Health Plans entering Pennsylvania ACA market
