Cheapest Health Insurance in Pennsylvania (2026)

Pennsylvania residents can secure the most affordable health insurance through Jefferson Health Plans at $488 monthly, delivering $196 in monthly savings compared to the state average. Partners Insurance Company, Inc. follows as the second most affordable option at $549 monthly

UPMC Health Plan ranks third at $619 monthly. Jefferson Health Plans achieves these lower rates with higher deductibles and maximum out-of-pocket costs. For comprehensive comparisons, explore our guide to the cheapest health insurance options nationwide.

* We determine average monthly costs by rounding the mean of all monthly plan rates for each provider in Pennsylvania. We calculate average monthly savings by comparing each provider's average rate against the statewide average.

The best health insurance provider isn't determined solely by comparing overall average premiums. Your personal rate varies based on factors such as age, plan type and metal tier selection. Informed buyers also weigh how monthly costs balance against deductibles and out-of-pocket limits.

Jefferson Health Plans provides the most affordable rates across most demographics in Pennsylvania. This comes with higher deductibles and maximum out-of-pocket costs.

* These are average rates for all plan types and metal levels, with teens at 18 years old, young adults at 26 years old, adults at 40 years old and seniors at 60 years old. For plan type costs, we used average rates for 40-year-olds.

For 40-year-olds in Pennsylvania, Jefferson Health Plans provides the most affordable Bronze and Silver coverage at $311 and $483 monthly, respectively. UPMC Health Plan leads Gold plans at $395 per month with a $2,900 deductible.

Your health insurance costs depend on several key factors such as age, plan type, metal level and coverage needs. Using comprehensive Pennsylvania data, we've identified options so you can find plans matching your specific situation and budget.

When shopping for cheap health insurance, multiple factors affect your rate, including age, plan type, metal level and coverage needs. We've collected statewide data for Pennsylvania to help you filter options based on your unique situation and budget.

Use these strategies to find quality coverage that you can afford.

For Pennsylvania residents, Jefferson Health Plans provides the most affordable rates across multiple coverage tiers. Both Partners Insurance Company, Inc. and UPMC Health Plan round out the top three with competitive pricing. 

Your optimal rate comes from comparing different plan types and metal levels from several companies.

Find answers to the most common health insurance questions for Pennsylvania residents:

We gathered plan information from Pennie for consumers aged 18 to 60, specifically examining costs for 18, 26, 40, 50 and 60-year-olds. Our cheapest overall rankings focus on 40-year-olds' monthly premiums as this age group is the most common demographically and provides a clear comparison. 

Age-specific rankings reflect their respective premium costs. Lower premiums often come with higher deductibles and out-of-pocket maximums, which could increase your costs when receiving care.