Shop Individual and Family Plans

Need affordable health insurance? Highmark can help.

Get covered

There are two ways to buy Affordable Care Act (ACA) plans, also known as Obamacare.

  • Highmark marketplace plans

    You can buy Highmark plans through an online marketplace, also known as the federal or state Exchange. If you’re eligible for financial help, these plans can lower your monthly premiums and out-of-pocket costs.

  • Plans directly from Highmark

    You can also buy health insurance plans directly from Highmark. These plans don’t offer financial help, but you’ll find additional plan options here.

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Basics of ACA

Learn more about individual and family plans, also called Affordable Care Act (ACA) plans.


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Our plans

Highmark Affordable Care Act (ACA) plans give you access to high-quality health care that's always close to home.

  • No referrals

    With Highmark, you never need a referral to see a specialist.

  • Low copays

    Copays as low as $15 when you need to see your doctor or specialist.

  • Low deductibles

    Some of the lowest deductibles in your area — including $0 deductible plans.

  • $0 prescriptions

    $0 copays on over 85% of the most common prescription drugs.2

  • Dental and vision

    Plans that include optional adult dental and vision coverage — no need to shop for a separate dental or vision plan.

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Learn about the basics of enrolling in a health insurance plan through the marketplace or directly through Highmark.


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The 10 Essential Health Benefits

All ACA plans cover preexisting conditions, plus the 10 Essential Health Benefits:

  • Outpatient care
  • Emergency services
  • Hospitalization (like surgery and overnight stays)
  • Pregnancy, maternity, and newborn care
  • Mental health and substance use disorder services
  • Prescription drugs
  • Rehabilitative and habilitative services and devices
  • Laboratory services
  • Preventive and wellness services and chronic disease management
  • Pediatric services, including dental and vision care
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Five questions

If you're shopping for an Affordable Care Act (ACA) plan and not sure where to start, this video is for you. We’ll walk you through the five questions to consider when shopping for a health plan.


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Get covered

Get an online quote and apply for a new plan.

Individual and family plan offerings

Individual and family plan offerings

Customer Rate Justification Documents

Highmark Individual Market Broker Compensation

1/1/2024 - 12/31/2024

Per Member Per Month (PMPM)


New Business

$20.00 PMPM

Renewal Business

$20.00 PMPM

Bonus or incentive compensation may also apply and must be disclosed by the agent or broker.

1By accessing this video, I understand that I am leaving the Highmark website and I will be re-directed to an external website operated by a third-party platform provider. I acknowledge that the platform provider may collect personal information about me, and about the video that I view, on their platform and may use and disclose this information in accordance with its privacy policy. I agree that Highmark is not responsible for the data collection and use practices of this third party.

2Most common prescription drugs are made up of the top 100 non-voided, approved, in-network drug claims by Highmark ACA individual markets members in 2023. Vaccines are not included in this listing.