Oscar offers the cheapest health insurance in Pennsylvania, with an average monthly premium of $417. Capital Blue Cross, PMC Health Plan, Jefferson Health Plans and Geisinger Health Plan also offer affordable options, though availability varies by location.
Cheapest Health Insurance in Pennsylvania: Affordable Plans for 2025
Updated: October 21, 2025
Advertising & Editorial Disclosure
Key Takeaways
Oscar provides Pennsylvania's most affordable health insurance, saving policyholders an average of $312 monthly compared to the state average.
Highmark Blue Cross Blue Shield offers top-rated full coverage Platinum plans, with affordable pricing starting at $468 monthly.
Find the cheapest health insurance by selecting coverage within your budget, checking subsidy eligibility and comparing plans from multiple companies.
Most Affordable Health Insurance Companies in Pennsylvania
| Oscar | $417 | $312 |
| Capital Blue Cross | $501 | $228 |
| PMC Health Plan | $527 | $202 |
| Jefferson Health Plans | $549 | $180 |
| Geisinger Health Plan | $550 | $179 |
*These plans reflect rates for 40-year-olds who aren't considered low-income.
Cheapest Pennsylvania Health Insurance Plans by Profile
Your cheapest plan depends on your coverage tier and age. Below are the most affordable options by category:
- Cheapest For Young Adults: Jefferson Health Plans ($380 monthly)
- Cheapest For Seniors: Jefferson Health Plans ($807 monthly)
- Cheapest Bronze Plan: Jefferson Health Plans ($250 monthly)
- Cheapest Silver Plan: Jefferson Health Plans ($380 monthly)
- Cheapest Gold Plan: UPMC Health Plan ($335 monthly)
- Cheapest Full Coverage (Platinum Plan): Highmark Blue Cross Blue Shield ($468 monthly)
These rates reflect 40-year-olds (26 for young adults, 60 for seniors). Your rates will vary. Use the filterable table below to find your lowest rate by plan tier and age.
Data filtered by:
Silver
40
| Jefferson Health Plans | Jefferson Health Plans + Total + Silver + HMO + On Exchange | $380 | $225 | $9,200 |
Cheapest Health Insurance Plans by County in Pennsylvania
Oscar offers the cheapest rates overall, while Geisinger Health Plan leads for Silver plans in most counties with competitive rates and wide availability. Jefferson Health Plans offers the lowest urban rates in major cities. Compare rates by county below to find your best option.
| Adams | Geisinger Health Plan | $623 | Geisinger Marketplace All-Access HMO 30/60/5500 |
| Bedford | Geisinger Health Plan | $623 | Geisinger Marketplace All-Access HMO 30/60/5500 |
| Berks | Geisinger Health Plan | $623 | Geisinger Marketplace All-Access HMO 30/60/5500 |
| Blair | Geisinger Health Plan | $623 | Geisinger Marketplace All-Access HMO 30/60/5500 |
| Bradford | Ambetter from PA Health and Wellness | $365 | Clear Silver |
| Bucks | Jefferson Health Plans | $362 | Jefferson Health Plans + Total + Silver + HMO + On Exchange |
| Cambria | Geisinger Health Plan | $623 | Geisinger Marketplace All-Access HMO 30/60/5500 |
| Cameron | Geisinger Health Plan | $623 | Geisinger Marketplace All-Access HMO 30/60/5500 |
| Carbon | Ambetter from PA Health and Wellness | $365 | Clear Silver |
| Centre | Geisinger Health Plan | $616 | Geisinger Marketplace Premier HMO 30/60/5500 |
| Chester | Jefferson Health Plans | $362 | Jefferson Health Plans + Total + Silver + HMO + On Exchange |
| Clearfield | Geisinger Health Plan | $623 | Geisinger Marketplace All-Access HMO 30/60/5500 |
| Clinton | Ambetter from PA Health and Wellness | $365 | Clear Silver |
| Columbia | Geisinger Health Plan | $616 | Geisinger Marketplace Premier HMO 30/60/5500 |
| Cumberland | Geisinger Health Plan | $623 | Geisinger Marketplace All-Access HMO 30/60/5500 |
| Dauphin | Geisinger Health Plan | $623 | Geisinger Marketplace All-Access HMO 30/60/5500 |
| Delaware | Jefferson Health Plans | $362 | Jefferson Health Plans + Total + Silver + HMO + On Exchange |
| Elk | Geisinger Health Plan | $623 | Geisinger Marketplace All-Access HMO 30/60/5500 |
| Franklin | Geisinger Health Plan | $623 | Geisinger Marketplace All-Access HMO 30/60/5500 |
| Fulton | Geisinger Health Plan | $623 | Geisinger Marketplace All-Access HMO 30/60/5500 |
| Huntingdon | Geisinger Health Plan | $623 | Geisinger Marketplace All-Access HMO 30/60/5500 |
| Jefferson | Geisinger Health Plan | $623 | Geisinger Marketplace All-Access HMO 30/60/5500 |
| Juniata | Geisinger Health Plan | $623 | Geisinger Marketplace All-Access HMO 30/60/5500 |
| Lackawanna | Ambetter from PA Health and Wellness | $365 | Clear Silver |
| Lancaster | Geisinger Health Plan | $623 | Geisinger Marketplace All-Access HMO 30/60/5500 |
| Lebanon | Geisinger Health Plan | $623 | Geisinger Marketplace All-Access HMO 30/60/5500 |
| Lehigh | Geisinger Health Plan | $616 | Geisinger Marketplace Premier HMO 30/60/5500 |
| Luzerne | Ambetter from PA Health and Wellness | $365 | Clear Silver |
| Lycoming | Ambetter from PA Health and Wellness | $365 | Clear Silver |
| Mifflin | Geisinger Health Plan | $616 | Geisinger Marketplace Premier HMO 30/60/5500 |
| Monroe | Ambetter from PA Health and Wellness | $365 | Clear Silver |
| Montgomery | Jefferson Health Plans | $362 | Jefferson Health Plans + Total + Silver + HMO + On Exchange |
| Montour | Geisinger Health Plan | $616 | Geisinger Marketplace Premier HMO 30/60/5500 |
| Northampton | Geisinger Health Plan | $616 | Geisinger Marketplace Premier HMO 30/60/5500 |
| Northumberland | Geisinger Health Plan | $616 | Geisinger Marketplace Premier HMO 30/60/5500 |
| Perry | Geisinger Health Plan | $623 | Geisinger Marketplace All-Access HMO 30/60/5500 |
| Philadelphia | Jefferson Health Plans | $362 | Jefferson Health Plans + Total + Silver + HMO + On Exchange |
| Pike | Ambetter from PA Health and Wellness | $365 | Clear Silver |
| Potter | Geisinger Health Plan | $623 | Geisinger Marketplace All-Access HMO 30/60/5500 |
| Schuylkill | Geisinger Health Plan | $616 | Geisinger Marketplace Premier HMO 30/60/5500 |
| Snyder | Geisinger Health Plan | $616 | Geisinger Marketplace Premier HMO 30/60/5500 |
| Somerset | Geisinger Health Plan | $623 | Geisinger Marketplace All-Access HMO 30/60/5500 |
| Sullivan | Ambetter from PA Health and Wellness | $365 | Clear Silver |
| Susquehanna | Ambetter from PA Health and Wellness | $365 | Clear Silver |
| Tioga | Ambetter from PA Health and Wellness | $365 | Clear Silver |
| Union | Geisinger Health Plan | $616 | Geisinger Marketplace Premier HMO 30/60/5500 |
| Wayne | Ambetter from PA Health and Wellness | $365 | Clear Silver |
| Wyoming | Ambetter from PA Health and Wellness | $365 | Clear Silver |
| York | Geisinger Health Plan | $623 | Geisinger Marketplace All-Access HMO 30/60/5500 |
How to Find the Cheapest Health Insurance in Pennsylvania
Check out these steps to find affordable health insurance coverages in Pennsylvania:
- 1Figure out what coverage you need and can afford
Your coverage plan type and tier depend on your health situation and budget. Calculate how much you can spend on monthly premiums, factoring in your current health and risk factors like location, age and lifestyle habits.
- 2Check if you qualify for subsidies
If you earn between $14,580 and $54,000, you may qualify for premium tax credits that cut costs by 40% to 100%. People earning less than 250% of the Federal Poverty Level ($36,450) also get cost-sharing reductions that lower out-of-pocket expenses by up to 73%.
- 3Consider federal programs if old enough
If you're 65 or older, explore Medicare Advantage plans and Medicare Supplement plans. These programs often cost less than traditional health insurance and offer more flexible coverage.
- 4Look at prescription drug coverage
Check if your regular medications are covered and what tier they're on. Some insurers put common drugs on lower-cost tiers with cheaper copays than their competitors, which could save you hundreds each year.
- 5Compare plans during Open Enrollment
Open Enrollment runs from November 1 to January 15. You can also enroll during Special Enrollment if you have qualifying life changes.
Compare coverage types, customer reviews, costs and in-network doctors. This comparison helps you find an affordable plan with good coverage.
MONEYGEEK TIP: MAKE SURE TO APPLY PROMPTLY
Apply at least five days before the deadline to avoid website crashes and technical issues. Have your income verification, Social Security numbers and immigration documents ready to make the application process smoother.
Most Affordable Health Insurance in Pennsylvania: Bottom Line
Pennsylvania's most affordable health insurance companies are Oscar, Capital Blue Cross, PMC Health Plan, Jefferson Health Plans and Geisinger Health Plan. Compare plan types and tier quotes from multiple companies to find your best rate.
Cheap Pennsylvania Health Insurance: FAQ
Here are frequently asked questions about finding affordable health insurance in Pennsylvania:
What is the cheapest health insurance in State Pennsylvania?
Oscar offers the cheapest health insurance in Pennsylvania, with Silver plans starting at $417 for 40-year-olds. Depending on your income and preferences, Capital Blue Cross, PMC Health Plan, Jefferson Health Plans and Geisinger Health Plan may better suit your needs.
What are the downsides of a cheap health insurance plan?
Cheap health insurance has higher out-of-pocket costs than expensive plans, including deductibles and copays. More expensive plans reduce these expenses and offer more extensive health care coverage.
How We Decided the Cheapest Health Insurance Companies in Pennsylvania
MoneyGeek obtained data directly from the Centers for Medicare and Medicaid Services (CMS) on available health insurance plans in Pennsylvania for consumers aged 18, 26, 40, 50 and 60.
We identified the cheapest overall plans as those with the lowest monthly premiums for 40-year-olds, as most Pennsylvania residents are near this age. Cheaper plans have higher out-of-pocket maximums and deductibles, meaning you may pay more when receiving care.
Related Articles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.