Best health Insurance plans in
Pennsylvania
in 2025

Explore the essential plans information for your state and see how Venteur can help you save money and empower your employees with better benefits through ICHRA.

Get a quote
Market overview
9

Health insurance carriers on the marketplace

240

Plans available on the marketplace

21%

Est. savings for Venteur customers*

% savings compared to group plans are estimates and may vary significantly

Pennsylvania
Plans

Discover the best health plans in Pennsylvania

Great Value
Ambetter
Expanded Bronze
HMO
Great Value
Great Value
Great Value
$
$
320.37
/mo
/mo

Choice Bronze + HSA + Vision + Adult Dental

Deductible:
In-Network: $7,250 / Out-of-Network: Not Covered
Primary Care Visits:
In-Network: $0 after deductible / Out-of-Network: Not Covered
Generic Drugs:
In-Network: $0 after deductible / Out-of-Network: Not Covered
Balanced Pick
Oscar
Silver
HMO
Balanced Pick
Balanced Pick
Balanced Pick
$
$
458.56
/mo
/mo

Silver Simple PCP Saver

Deductible:
In-Network: $5,750 / Out-of-Network: Not Covered
Primary Care Visits:
In-Network: $20 / Out-of-Network: Not Covered
Generic Drugs:
In-Network: $3 / In-Network-Tier-2: $25 / Out-of-Network: Not Covered
Great Coverage
Highmark BlueCross BlueShield
Silver
PPO
Great Coverage
Great Coverage
Great Coverage
$
$
463.74
/mo
/mo

my Blue Access PPO Silver 3500 + Adult Dental and Vision

Deductible:
In-Network: $3,500 / Out-of-Network: $7,000
Primary Care Visits:
In-Network: $45 / Out-of-Network: 50% after deductible
Generic Drugs:
In-Network: $0 / Out-of-Network: Not Covered

Quotes are based on pricing for a 30-year-old male. Specific plans may not be available in all counties within the state. Plan details are for illustration purposes only.

Insurance providers available in Pennsylvania

How it works

Get these plans for my team

1

Sign up for Venteur ICHRA

Venteur’s ICHRA for companies empower employees to protect their health and be their best with flexible, individualized plans that are easy to understand and highly protective.

2

Set a budget

Take control of your benefits strategy with Venteur's user-friendly interface, allowing you to dial in your plan with precision and flexibility, ensuring it aligns perfectly with your company's unique needs and goals.

3

Employees pick their own plan from the marketplace

Launch your benefits to your employees through Venteur's platform, providing them with immediate access to comprehensive coverage and resources tailored to their well-being.

Compare Plans

Taking down group plans one premium at a time

*
Venteur
ICHRA magic
-
Group Plan
Ho-hum
Responsibility taken by the individual market plan
Personalized plan choices
Easy and flexible plan design
Control over premium increases
No minimums for participation

FAQs

You got questions. We got answers!

How much does health insurance cost per month in Pennsylvania?

The cost of health insurance in Pennsylvania varies depending on factors like age, income, family size, and the type of plan chosen. On average, individual marketplace plans for 2025 have seen a 6% increase in premiums compared to 2024. However, many Pennsylvanians qualify for financial assistance through Pennie, the state’s official health insurance marketplace, which can significantly reduce monthly costs.

Does Pennsylvania offer free health insurance?

Yes, Pennsylvania offers free or low-cost health insurance options for eligible residents:

  • Medicaid (Medical Assistance): Available to low-income individuals and families.
  • CHIP (Children’s Health Insurance Program): Provides free or low-cost coverage for children under 19.
  • Some individuals may also qualify for $0 premium plans through Pennie, depending on their income and eligibility.
Who qualifies for PA state health insurance?

Eligibility depends on the program:

  • Medicaid: Based on income limits and household size. For example, a single adult earning up to $1,800 per month may qualify.
  • CHIP: Available to children under 19 whose families do not qualify for Medicaid but meet income requirements.
  • Pennie Marketplace Plans: Open to all residents who are U.S. citizens or have qualified immigration status. Financial assistance is available for most applicants based on income.

No, Pennsylvania does not mandate health insurance coverage at the state level. However, under federal law, some individuals may face penalties if they do not have coverage unless they qualify for an exemption. Having health insurance is strongly encouraged to avoid high medical costs and ensure access to essential healthcare services.

What types of health insurance are available in Pennsylvania?

Pennsylvania offers several types of health insurance plans:

  • Employer-Sponsored Insurance: Provided by employers.
  • Marketplace Plans (via Pennie): Includes Bronze, Silver, Gold, and Platinum plans with varying levels of coverage and cost.
  • Medicaid and CHIP: For low-income individuals and children.
  • Medicare: For residents aged 65+ or those with certain disabilities.
  • Venteur also offers tailored plans through its ICHRA platform, allowing employees to select individualized coverage from the marketplace.

‍

Are health insurance premiums tax-deductible in Pennsylvania?

Yes, self-employed individuals can deduct premiums paid for medical, dental, and qualifying long-term care insurance for themselves and their dependents. However, this deduction cannot exceed earned income from self-employment. For other taxpayers, premiums may be deductible if itemized as medical expenses exceeding a certain percentage of adjusted gross income.

What are some of the essential health benefits that must be covered by Pennsylvania health insurance plans?

All ACA-compliant health insurance plans in Pennsylvania must cover these ten essential benefits:

  1. Preventive care and wellness services.
  2. Emergency services.
  3. Hospitalization.
  4. Maternity and newborn care.
  5. Mental health and substance abuse treatment.
  6. Prescription drugs.
  7. Pediatric services (including dental and vision).
  8. Laboratory services.
  9. Ambulatory services.
  10. Rehabilitation and habilitation services.
Are there health insurance resources for Pennsylvania residents?

Yes, residents can access several resources:

  • Pennie Marketplace: Offers personalized assistance with enrollment and financial aid options.
  • Venteur's ICHRA Platform: Provides businesses with flexible benefits solutions while allowing employees to choose their preferred plans.
  • Pennsylvania Insurance Department (PID): Offers consumer support for understanding policies and resolving issues.
Speak with an expert

What is Venteur

Explore the best human-first Health Insurance platform

Icon: Workflows

Simple, personalized health benefits

Sign up in minutes, define your contribution, and let your employees choose the health plan that works right for them

Icon: Broker

Integrations to make everything run smoothly

We'll connect with your payroll and finance systems to make deductions and premium payments seamless

Icon: Marketplace

Easy onboarding and off-boarding

In just a few clicks, add your roster and make updates on the fly. We'll handle it from there.

Icon: communications

Venteur Certified Brokers to help your employees pick the right plan

Our trusted brokers ensure the best outcomes for employees and employers by unlocking health savings and providing unrivaled plan options.

Icon: AI

AI-powered plan recommendations to give you confidence while you shop

Backed by 30 years of healthcare data, Venteur’s AI helps employees compare and choose the best plan for their unique situation.

Icon: Rocket

Compliance and reporting because no-duh!

Venteur manages plan administration, reporting, and compliance so you can focus on growing your business.

Get started
See the platform

Discover the best health plans in Pennsylvania

Great Value
Ambetter
Expanded Bronze
HMO
Great Value
Great Value
Great Value
$
$
320.37
/mo
/mo

Choice Bronze + HSA + Vision + Adult Dental

Deductible:
In-Network: $7,250 / Out-of-Network: Not Covered
Primary Care Visits:
In-Network: $0 after deductible / Out-of-Network: Not Covered
Generic Drugs:
In-Network: $0 after deductible / Out-of-Network: Not Covered
Balanced Pick
Oscar
Silver
HMO
Balanced Pick
Balanced Pick
Balanced Pick
$
$
458.56
/mo
/mo

Silver Simple PCP Saver

Deductible:
In-Network: $5,750 / Out-of-Network: Not Covered
Primary Care Visits:
In-Network: $20 / Out-of-Network: Not Covered
Generic Drugs:
In-Network: $3 / In-Network-Tier-2: $25 / Out-of-Network: Not Covered
Great Coverage
Highmark BlueCross BlueShield
Silver
PPO
Great Coverage
Great Coverage
Great Coverage
$
$
463.74
/mo
/mo

my Blue Access PPO Silver 3500 + Adult Dental and Vision

Deductible:
In-Network: $3,500 / Out-of-Network: $7,000
Primary Care Visits:
In-Network: $45 / Out-of-Network: 50% after deductible
Generic Drugs:
In-Network: $0 / Out-of-Network: Not Covered

Quotes are based on pricing for a 30-year-old male. Specific plans may not be available in all counties within the state. Plan details are for illustration purposes only.

Plans
9

Health insurance carriers on the marketplace

240

Plans available on the marketplace

21%

Est. savings for Venteur customers*

% savings compared to group plans are estimates and may vary significantly

Insurance providers available in Pennsylvania