A Look at Proposed 2026 Health Insurance Rates

August 06, 2025

The Pennsylvania Insurance Department released the proposed rates for insurance companies offering plans on the state’s individual and small group marketplaces.

This year, insurers are requesting an average premium increase of 19 percent for the Pennie individual marketplace plans and 13 percent for small group plans.

“This year, even more than previous years, Pennsylvanians should consider shopping around to find the best plans to meet their individual needs, at a price that makes sense for their current financial situation,” Pennsylvania Insurance Commissioner Michael Humphreys said in a statement.

Here’s what you need to know:

• Background:  Insurers listed reasons for rate increases include the rising cost of care, higher use of benefits, including outpatient services and medication, as well as the potential end of enhanced premium tax credits that are set to expire unless Congress plans to extend them.
• Process:  Insurance companies offering coverage on Pennie must submit their rate proposals for state review.
• Chance for feedback:  Public comment on rate requests and filings will be accepted through September 2 and can be emailed to the department. 
• Final rates:  The state typically finalizes rates for individual and small group marketplace plans by October.

Additional information about the proposed rates for 2026 is available online.