🩺 Health insurance cost in Pennsylvania (2026)
The estimated average is $504 per month — below the national average (-10% vs. the U.S. average of $560).
Pennsylvania is home to about 13.0 million people, and health insurance here runs below the national average. Below, estimate a price for your own profile, then drill into your city — rates in a large metro like Philadelphia typically differ from smaller towns.
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Pennsylvania health insurance estimator
Starts from the Pennsylvania average. Estimate only — get quotes to confirm.
Health insurance cost in Pennsylvania cities
| City | Population | Est. health insurance |
|---|---|---|
| Philadelphia | 1,550,542 | $528 |
| Pittsburgh | 302,971 | $512 |
| Allentown | 125,845 | $504 |
| Reading | 95,112 | $496 |
| Erie | 94,831 | $496 |
| Scranton | 76,328 | $496 |
Pennsylvania health insurance FAQ
How much is health insurance in Pennsylvania?
The estimated average health insurance in Pennsylvania is $504 per month, which is below the national average (-10% vs. the U.S. average of $560). Pennsylvania ranks 27 of 51 states from most to least expensive.
Why is health insurance cheaper in Pennsylvania?
Health insurance pricing in Pennsylvania reflects local risk factors — weather and catastrophe exposure, accident/claim frequency, repair and medical costs, and state regulation. That’s why costs differ across the Northeast.
How can I save on health insurance in Pennsylvania?
Compare at least three quotes from insurers active in Pennsylvania, bundle policies, and re-shop every year. Use the calculator above to see how your profile changes the price.