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.

    Our plans

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

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      No referrals


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

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      Low copays


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

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      Low deductibles


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

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      $0 prescriptions


      $0 copays on over 85% of the most common prescription drugs.1

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      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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    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

    Get covered

    Get an online quote and apply for a new plan.

    Individual and family plan offerings

    Highmark Individual Market Broker Compensation

    1/1/2025 - 12/31/2026

    Per Member Per Month (PMPM)

    Pennsylvania

    New Business

    $20.00 PMPM

    Renewal Business

    $18.00 PMPM

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

    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 2024. Vaccines are not included in this listing.