Health insurance in Pennsylvania, 2027
Pennsylvania runs its own marketplace, Pennie, and expanded Medicaid. In 2027, Medicaid for many adults comes with work rules.
Last checked October 16, 2026 · Written by licensed advisors · Sources are numbered and listed under Notes and sources
Pennsylvania has its own marketplace
Pennsylvania runs its own state marketplace, Pennie, at pennie.com. You can compare plans and apply for a tax credit there yourself, and we can walk you through your options and the application. For 2026 coverage, 482,183 Pennsylvanians picked a Marketplace plan during open enrollment.12
- Marketplace
- Pennie
- 2026 plan selections
- 482,183
- Medicaid for adults
- Under 138%
The dates for 2027
Pennie has announced open enrollment for 2027 from November 1, 2026 through January 15, 2027. Choose a plan by December 15 for coverage that starts January 1.
Pennie’s dates have changed more than once because of federal rules, so treat these as the announced dates. We recheck them on December 1.3
- November 1, 2026Open enrollment for 2027 starts (key step)
- December 15Choose a plan by this date for a January 1 start (key step)
- January 15, 2027Open enrollment ends, as announced
What to do: Plan to choose in December if you want coverage from January 1.
Who can get help paying
Pennsylvania expanded Medicaid, called Medical Assistance, to adults 19 to 64 with income under 138% of the poverty level, $22,025 for one person. Above that line, a Marketplace tax credit usually takes over, up to 4 times the poverty level. Children qualify at much higher incomes through CHIP.45
Work rules start in 2027
Who it affects: Pennsylvania expansion adults aged 19 to 64.
A federal law passed in 2025 requires adults in the Medicaid expansion group to show 80 hours a month of work, school or community service, or to qualify for an exemption, to get and keep coverage. It starts January 1, 2027, unless the state gets a delay. In Pennsylvania, that group is covered through Pennsylvania Medicaid.
Parents and caretakers of children 13 and under, and people who are medically frail, are among those exempt. People who aren’t eligible for Medicaid because they didn’t meet the rules can’t get Marketplace tax credits.6
What to do: If you get a Medicaid notice, call us before your coverage ends.
A family of three
For a family of three, Medicaid for the adults reaches about $37,700 a year, and children qualify up to about $87,200 through Pennsylvania’s children’s coverage.45
Which insurers sell plans
Insurers file their 2027 Pennsylvania plans with the state and with Pennie, and the final list appears when open enrollment opens on November 1. Which ones you can choose depends on your county.2
What to do: Send us your ZIP code, your doctors and your prescriptions. We check which plans in your county include them.
Help from a licensed agency
Our agency is licensed in Pennsylvania, and we work with Pennsylvanians by phone and video, from our Chicago office. We compare the plans in your county and show you what to keep in mind on each one, at no cost to you.7
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Obamacare Hotline and/or Medicare Po Polsku are private companies not affiliated with any local, state, or federal government agency. This guide is general information, not tax or legal advice.