Oscar offers the cheapest health insurance in Pennsylvania, with an average monthly premium of $417. While availability might differ, you should also consider Capital Blue Cross, PMC Health Plan, Jefferson Health Plans and Geisinger Health Plan for affordable options.
Most Affordable Health Insurance in Pennsylvania
Updated: June 9, 2025
Advertising & Editorial Disclosure
Key Takeaways
Oscar provides Pennsylvania's most affordable health insurance, saving policyholders an average of $312 per month compared to the state average.
Highmark Blue Cross Blue Shield offers top-rated full coverage Platinum plans, with affordable pricing starting at $468 monthly.
Finding the cheapest health insurance starts with selecting coverage within your budget, checking subsidy eligibility and comparing plans from several 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
While we've summarized the cheapest companies for most in Pennsylvania, the most affordable plan for you will differ widely depending on your desired coverage tier and age. Below are the cheapest companies by category for most in the area:
- 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)
While these are a good measure of the most affordable plans, they only represent the cheapest for 40-year-olds (26-year-olds for young adults and 60 for seniors), and your cheapest company and plan may differ for your profile. So below, we've created a filterable table that you can modify by plan tier and age to find your lowest rate match.
Data filtered by:Results filtered by:
Select
Plan Level:Silver
Select
Age:40
| Jefferson Health Plans | Jefferson Health Plans + Total + Silver + HMO + On Exchange | $380 | $225 | $9,200 |
Cheapest Health Insurance Plans by County in Pennsylvania
While Oscar is the cheapest provider overall, Geisinger Health Plan excels in affordability and availability for Silver plans in most counties. Jefferson Health Plans, on the other hand, offers the lowest rates in key urban areas. Below, you can review which company and plan are most affordable in your area.
| 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
Follow these steps to find affordable health insurance in Pennsylvania:
- 1
Determine what coverage plan you need and can afford
Your coverage plan type and tier will differ widely depending on your personal health circumstances and income. Calculate how much income you can set aside for monthly premiums, considering your current health and risk for injury or disease based on location, age and lifestyle.
- 2
Find out your subsidy eligibility
People earning between $14,580 and $54,000 may qualify for premium tax credits, reducing costs by 40% to 100%. Those with incomes below 250% of the Federal Poverty Level ($36,450) can access cost-sharing reductions, decreasing out-of-pocket expenses up to 73%.
- 3
Consider federal programs if old enough
If you are eligible, explore Medicare Advantage plans and Medicare Supplement plans. These programs are often more affordable than traditional health insurance and offer more flexible coverage options.
- 4
Review prescription formularies
Review prescription coverages for medications you regularly take. Some insurers place common medications on lower tiers with reduced copays compared to competitors, potentially saving you hundreds annually.
- 5
Compare plans during Open Enrollment
Open Enrollment is from November 1 to January 15, though Special Enrollment is available with qualifying life events. Assess types of coverage, customer reviews, costs and provider availability. Thorough comparison ensures that you select a plan that balances affordability with comprehensive health care coverage.
MONEYGEEK TIP: MAKE SURE TO APPLY PROMPTLY
To avoid technical issues, apply for coverage at least five days before the enrollment deadline. Prepare your income verification, Social Security numbers and immigration documents to ensure a smooth application process.
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. While we recommend these options, you should compare as many plan types and tier quotes as possible from multiple companies to get the best deal.
Cheap Pennsylvania Health Insurance: FAQ
Below 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. However, Capital Blue Cross, PMC Health Plan, Jefferson Health Plans and Geisinger Health Plan could suit your needs based on income and preferences.
What are the downsides of a cheap health insurance plan?
Compared to higher-priced plans, cheap health insurance has higher out-of-pocket costs, including deductibles and copays. More expensive plans reduce out-of-pocket 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 based on consumers aged 18, 26, 40, 50 and 60.
We considered the cheapest overall to be those with the lowest monthly premium costs for 40-year-olds, as most in the state are near this age demographic, and for simplicity. However, cheaper plans tend to have higher out-of-pocket maximums and deductibles, meaning you may pay more if you receive care.
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.