Pennsylvania Health Insurance 2026
Your complete guide to health insurance options in Pennsylvania — Medicaid eligibility, ACA Marketplace plans, enrollment deadlines, and key resources.
Pennsylvania at a Glance
What You Need to Know
- →Pennsylvania uses its own state-run Marketplace called Pennie — not healthcare.gov
- →Pennsylvania expanded Medicaid in 2015
- →No state individual mandate penalty
- →Pennie offers year-round enrollment for Medicaid; Marketplace has standard open enrollment
How to Enroll
Frequently Asked Questions
What is Pennie?
Pennie is Pennsylvania's state-based health insurance marketplace, launched in 2020. Pennsylvania residents must use Pennie (pennie.com) — not healthcare.gov — to shop for ACA Marketplace plans and apply for subsidies. Pennie also screens applicants for Medicaid eligibility.
Does Pennsylvania have Medicaid expansion?
Yes. Pennsylvania expanded Medicaid under the ACA in 2015. Adults earning up to 138% of the Federal Poverty Level (approximately $20,783/year for a single person in 2026) qualify for Pennsylvania Medicaid (called Medical Assistance).
Is there a health insurance penalty in Pennsylvania?
No. Pennsylvania does not have a state individual health insurance mandate. There is no state penalty for being uninsured in Pennsylvania.