Small Group Health Insurance in Pennsylvania

Pennsylvania small businesses have access to group health insurance through Pennie's SHOP marketplace, direct carrier relationships, and level-funded alternatives. Here's what Pennsylvania employers need to know.

Pennsylvania's Small Group Market

Small group plans in Pennsylvania are available to businesses with 2 to 50 full-time equivalent employees. Plans are regulated by the Pennsylvania Insurance Department and must comply with ACA requirements.

Pennie SHOP Marketplace

Pennsylvania small businesses can purchase group coverage through Pennie, the state's ACA marketplace. Pennie's SHOP program allows employers to offer employees a choice of plans. Qualifying small employers may be eligible for the Small Business Health Care Tax Credit.

Level-Funded Options in Pennsylvania

Level-funded plans are increasingly popular among Pennsylvania small businesses with 5 to 50 employees. These hybrid plans offer fixed monthly costs with potential year-end refunds for healthy groups — an attractive alternative to traditional fully-insured coverage with annual rate increases.

Key Carriers in Pennsylvania

Independence Blue Cross, UPMC Health Plan, Highmark, Aetna, and UnitedHealthcare are active in Pennsylvania's small group market. The Philadelphia corridor and Pittsburgh markets have different carrier footprints — regional carrier strength matters when selecting a plan.

BenZen is licensed in Pennsylvania and serves small business owners across Philadelphia, Pittsburgh, Allentown, and statewide. Let's build your Pennsylvania group plan.