Pennsylvania Insurance Department Releases Affordable Care Act 2026 Health Insurance Rates | Insurance Department | Commonwealth of Pennsylvania

Despite rising premiums, Pennie will continue to offer a range of coverage options, along with financial assistance for those who qualify. No two circumstances are alike. One Pennsylvanian may see premiums decrease, while another may see an increase - even if both purchase coverage through Pennie. Factors such as age, location, household income, family size, and market competition all affect what someone pays and what level of subsidy they may receive.

At Pennie, we've heard from Pennsylvanians in every county about how essential high quality, affordable health coverage is both for life-saving care and protection from medical bankruptcy. We know that the end of the enhanced premium tax credits will put many across Pennsylvania in extremely difficult positions," said Devon Trolley, Executive Director of Pennie. "Throughout these changes, Pennie will be here to provide up-to-date information and support about plan costs and options for 2026. All current Pennie enrollees should update their information and review their 2026 plan options during Pennie's Open Enrollment Period, starting this November.

Most Pennsylvanians will continue to find the lowest prices and financial savings through Pennie, the state's official health insurance marketplace. Only Pennie offers financial assistance to help lower monthly premiums and out-of-pocket costs.

All plans on Pennie include important consumer protections:

• Coverage for pre-existing conditions;
• Essential health benefits like preventive care, prescriptions, and hospital visits;
• Limits on what you pay each year and protection against emergency care cost; and,
• Multiple plan levels (bronze, silver, gold, platinum) and network types (HMO, EPO, PPO) with different coverage options.

Pennie's upcoming Open Enrollment period is the only time of year to enroll in individual and family health coverage for 2026. Open Enrollment typically runs from November 1 to December 15 for coverage that starts on January 1, 2026. Outside of Open Enrollment, only individuals with life changes - such as losing coverage from Medicaid and family events - can enroll.

Pennie offers free help by phone and in-person across the state. Visitpennie.com or call 1-844-844-8040 for assistance.

Consumers with questions or complaints about their health insurance can visitpa.gov/consumer or call 1-866-PA-COMPLAINT (1-866-722-6675).

Visit PID's website for more details about theACA rate filings.