Just a Few Days Left for Open Enrollment on Pennie’s Health Insurance Marketplace

January 26, 2026

Pennsylvanians have just five days to pick plans on the state’s individual health insurance marketplace, Pennie, before open enrollment closes on January 31.

While the individual marketplace for coverage on the federal marketplace for healthcare.gov ended on January 15, consumers in Pennsylvania have a few extra days to pick plans.

“The Pennsylvania Insurance Department encourages all consumers in need of quality health insurance coverage to act fast and sign up for affordable coverage through Pennie before the end of open enrollment,” said Pennsylvania Insurance Commissioner Michael Humphreys.

Here’s what you need to know:

• Higher costs:  Negotiations to extend enhanced premium tax credits have stalled in Congress, leading to higher costs for insurance coverage on Pennie and other individual marketplace.
• In Pennsylvania: Costs have risen by 102 percent for Pennie enrollees in 2026 due to the expiration of the enhanced premium tax credits.
  • Over 70,000 Pennsylvanians have dropped coverage as a result of the higher prices—nearly 1,000 a day for most of open enrollment. 
• National outlook:  Open enrollment was down by about 800,000 compared to last year.
• After the deadline:  It’s important Pennsylvanians evaluate their coverage because they will not be able to select plans unless they qualify for a special enrollment period.  
• Quotable:  “Due to federal changes, costs are increasing but many Pennsylvanians still qualify for financial savings, and this is the final time to act. Enrolling by the deadline helps protect both your health in 2026 and your financial security in the event of an unexpected medical situation,” said Devon Trolley, Pennie executive director. 

HAP and Pennsylvania’s hospital community continue to call on Congress to extend enhanced premium tax credits to support access to care. Additional information about open enrollment and affordability are available online.