The Individual and Small Group Affordable Care Act Health Insurance Proposed Rates for 2026 are available on the Pennsylvania Insurance Department’s (PID) Website. On average, the Pennsylvania Health Insurance Exchange (Pennie) insurers on the individual market requested a 19% premium increase based on rising health care costs and medications, higher use of benefits, and the anticipated end of Enhanced Premium Tax Credits which are set to expire Dec 31. Insurers on the Small Group market requested an average 13% rate increase. Of the current eight Individual market insurers, Ambetter, Capital Blue Cross, Geisinger, Highmark, Independence Blue Cross, Jefferson Health Plans, Oscar, and UPMC, three are requesting to expand into additional counties increasing their coverage footprint. A public comment period on these rate requests and filings will be accepted through Sep. 2 and can be emailed to ra-in-comment@pa.gov. Open Enrollment for Pennie begins Nov. 1,2025.
