Compare affordable health insurance in Pennsylvania through Pennie, plus private plans. 2026 pricing, top carriers, and a Pennsylvania-licensed agent — free.
We are not a Pennsylvania state agency, not HealthCare.gov, and not affiliated with any government marketplace. Health Enrollment Center is operated by Sprinter Insurance Agency LLC.
Pennsylvania runs its own marketplace, Pennie, which took over from HealthCare.gov and has used state-level measures like reinsurance to help keep premiums in check. Roughly half a million Pennsylvanians enroll through Pennie, and about 90% receive financial help toward their premium.
Pennsylvania also expanded Medicaid in 2015, so lower-income residents often qualify for no-cost coverage, while those above the line pick up Pennie plans with federal subsidies. The carrier landscape is strongly regional — Independence Blue Cross around Philadelphia, UPMC and Highmark around Pittsburgh — so your part of the state heavily shapes your options.
We're licensed in Pennsylvania and quote its major carriers every day. Pennsylvanians enroll in marketplace plans through Pennie, the state's own exchange — we are an independent agency and are not Pennie. Below is how coverage works in the state, the metros we cover, and the plan types and situations we help Pennsylvanians with most.
Pennsylvania runs its own state-based marketplace, Pennie, which replaced HealthCare.gov for Pennsylvanians and often lowers premiums through state cost-saving measures.
Pennsylvania expanded Medicaid in 2015, so lower-income adults may qualify for no-cost coverage. Above that threshold, Pennie enrollees receive federal premium tax credits — and Pennsylvania has used state reinsurance to help hold premiums down.
These companies offer individual and family health plans in Pennsylvania. We're an independent agency, not an insurance company, and we don't offer every plan available here. Tell us which doctors and hospitals matter to you and we'll show you what we can quote.
Bronze, Silver, Gold and Platinum plans that cover all ten essential health benefits — with premium tax credits for about 4 in 5 enrollees.
Explore →Bridge coverage that can start as soon as tomorrow — for the gap between jobs, plans, or enrollment periods.
Explore →Just got a COBRA letter? Losing job-based coverage opens a 60-day Special Enrollment Period — and because COBRA carries no employer contribution and no premium tax credit, the alternative is often much cheaper.
Explore →Freelancers, contractors, gig workers and small-business owners — coverage that isn't tied to an employer, and may be tax-deductible.
Explore →Plans that scale with your household — pediatric dental and vision included, with networks that keep your kids' doctors in-network.
Explore →Retired before 65? Bridge the gap to 65 without paying retiree-plan or COBRA prices.
Explore →Don't see yours? Call a licensed agent — most answers take under two minutes.
Pennie is Pennsylvania's state-based health insurance marketplace, which replaced HealthCare.gov for Pennsylvanians. You enroll in the same kind of ACA plans with federal premium tax credits, and Pennsylvania has used state measures to help lower premiums. A licensed agent can enroll you through Pennie at no extra cost.
For lower-income residents it's often no-cost Medicaid. Above that, a subsidized Pennie Silver plan is usually the cheapest real coverage, and cost-sharing reductions can lower your deductible too. We compare both for your exact ZIP and income.
No. We're a licensed insurance agency paid by the carriers, not by you. The premium of any plan is identical whether you enroll through us or directly with the insurer — you just also get an agent who handles renewals and claims questions.
No. Health Enrollment Center is a brand operated by Sprinter Insurance Agency LLC, a private licensed insurance agency. We are not HealthCare.gov, not a state exchange, and not affiliated with any government agency. We help you enroll in marketplace plans when they're the best fit, and we also show private plans the marketplace doesn't carry.
Start with your ZIP. Two quick questions, then a licensed agent brings you the plans you actually qualify for — no cost, no obligation.