ACA Marketplace plans in Pennsylvania

Looking for ACA marketplace health insurance in Pennsylvania? Here is how this coverage lane works specifically for Pennsylvania residents, what it costs, and how to get it.

Pennsylvania residents buy ACA Marketplace plans through Pennie. These are comprehensive plans that cover the ten essential health benefits, cannot deny you for a pre-existing condition, and are the only plans eligible for income-based premium tax credits.

Because Pennsylvania runs a state-based marketplace, you enroll at Pennie. Plans and prices are set at the county level across Pennsylvania's 67 counties, so two neighbors in different counties can see different options.

Pennsylvania expanded Medicaid, so if your income is low you may qualify for Medicaid instead of a subsidized plan — the Marketplace will tell you when you apply.

Pennie is Pennsylvania's state-based marketplace. Residents enroll there rather than on HealthCare.gov.

Pennsylvania expanded Medicaid, so Pennie applications also check Medical Assistance eligibility before offering subsidized private plans.

Issuer competition and premiums vary across Philadelphia, Pittsburgh, and many rural counties among the state's 67 counties.

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Frequently asked questions

When is Open Enrollment in Pennsylvania?
Pennsylvania follows Marketplace Open Enrollment in late fall for coverage starting January 1; Pennie may set slightly different dates. A qualifying life event opens a Special Enrollment Period any time of year.
Are Pennsylvania Marketplace plans subsidized?
Yes — premium tax credits are available based on your income and household size, and many enrollees pay under $100/month.
Do I use HealthCare.gov or a state site in Pennsylvania?
Pennsylvania uses Pennie, its state-based marketplace — not HealthCare.gov — for enrollment and most subsidy screening.

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