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Health Insurance

Coverage for individuals and families

High-quality plans to address your health care needs

We have a variety of plans to fit all needs. But don't worry about having too many choices! Getting health insurance is all about worrying less.

No matter which plan you choose, you and your family will have access to high-quality health care, generous discounts on vision care and materials, and dental/vision coverage for kids.

Your plan will put all the resources you need to manage your health within easy reach:

Providing access to care to help keep you healthy.

Helping you take care of your mental and physical health.

  • Six free counseling sessions through LifeSolutions®6
  • Free health coaching to help you make healthy changes in your life
  • The RxWell app to support your total well-being

Supporting you when you need it.

You have options when it comes to buying coverage:

  1. Shop online. Use our shopping tool to find plan options that fit your needs and budget. Just tell us a little bit about yourself, and we'll show you plans that match.
  2. Shop by phone. If you have a question about a plan, need more information, or want our help walking through a purchase, we're happy to help! We can be reached at 1-877-563-0292.
    • Nov. 1, 2022 – Jan. 15, 2023: Seven days a week from 8 a.m. to 8 p.m.
    • Jan. 16 – Oct. 31, 2023: Monday through Friday from 8 a.m. to 5 p.m.
  3. Shop at our stores. Wish you could get in-person, one-on-one help with choosing a plan? You can. Visit a UPMC Health Plan Connect Center near you.

Browse Networks

UPMC Partner Network (EPO)

For residents of Allegheny, Bedford, Blair, Clinton, Erie, Lawrence, Lycoming, Mercer, Somerset, Tioga, and Venango counties
The UPMC Partner Network is our most affordable network option. The network includes all UPMC providers as well as some non-UPMC providers. In a true emergency, you can seek care from any emergency department, even if the hospital is not in the Partner Network. The emergency care you receive will be covered at the in-network benefit level.

Partner Network 2023Plan offered to individuals living in these countiesAlleghenyAlleghenyBedfordBedfordBlairBlairClintonClintonErieErieLawrenceLawrenceLycomingLycomingMercerMercerSomersetSomersetTiogaTiogaVenangoVenangoPlan not offered to individuals living in these countiesAdamsAdamsArmstrongArmstrongBeaverBeaverBerksBerksBradfordBradfordBucksBucksButlerButlerCambriaCambriaCameronCameronCarbonCarbonCentreCentreChesterChesterClarionClarionClearfieldClearfieldColumbiaColumbiaCrawfordCrawfordCumberlandCumberlandDauphinDauphinDelawareDelawareElkElkFayetteFayetteForestForestFranklinFranklinFultonFultonGreeneGreeneHuntingdonHuntingdonIndianaIndianaJeffersonJeffersonJuniataJuniataLackawannaLackawannaLancasterLancasterLebanonLebanonLehighLehighLuzerneLuzerneMcKeanMcKeanMifflinMifflinMonroeMonroeMontgomeryMontgomeryMontourMontourNorthamptonNorthamptonNorthumberlandNorthumberlandPerryPerryPhiladelphiaPhiladelphiaPikePikePotterPotterSchuylkillSchuylkillSnyderSnyderSullivanSullivanSusquehannaSusquehannaUnionUnionWarrenWarrenWashingtonWashingtonWayneWayneWestmorelandWestmorelandWyomingWyomingYorkYorkPlan offered to individuals living in these countiesPlan not offered to individuals living in these counties Partner Network Overview (PDF)
Find Partner Network Providers
Check Partner Network Drug Formulary

UPMC Select Network (EPO)

For residents of Allegheny, Beaver, Butler, Fayette, Washington, and Westmoreland counties
The UPMC Select Network includes all UPMC providers as well as a select group of non-UPMC providers. Like the Partner Network, the Select Network is designed to encourage you to seek care from UPMC providers. However, the Select Network covers more non-UPMC providers than the Partner Network. You can seek care from any emergency department in a true emergency situation, even if the hospital is not in the Select Network. The emergency care you receive will be covered at the in-network benefit level.

Select Network 2023Plan offered to individuals living in these countiesAlleghenyAlleghenyBeaverBeaverButlerButlerFayetteFayetteWashingtonWashingtonWestmorelandWestmorelandPlan not offered to individuals living in these countiesAdamsAdamsArmstrongArmstrongBedfordBedfordBerksBerksBlairBlairBradfordBradfordBucksBucksCambriaCambriaCameronCameronCarbonCarbonCentreCentreChesterChesterClarionClarionClintonClintonClearfieldClearfieldColumbiaColumbiaCrawfordCrawfordCumberlandCumberlandDauphinDauphinDelawareDelawareElkElkErieErieForestForestFranklinFranklinFultonFultonGreeneGreeneHuntingdonHuntingdonIndianaIndianaJeffersonJeffersonJuniataJuniataLackawannaLackawannaLancasterLancasterLawrenceLawrenceLebanonLebanonLehighLehighLuzerneLuzerneLycomingLycomingMcKeanMcKeanMercerMercerMifflinMifflinMonroeMonroeMontgomeryMontgomeryMontourMontourNorthamptonNorthamptonNorthumberlandNorthumberlandPerryPerryPhiladelphiaPhiladelphiaPikePikePotterPotterSchuylkillSchuylkillSnyderSnyderSomersetSomersetSullivanSullivanSusquehannaSusquehannaTiogaTiogaUnionUnionVenangoVenangoWarrenWarrenWayneWayneWyomingWyomingYorkYorkPlan offered to individuals living in these countiesPlan not offered to individuals living in these counties Select Network Overview (PDF)
Find Select Network Providers
Check Select Network Drug Formulary

UPMC Standard Network (HMO)

For residents of Clearfield and Crawford counties
The UPMC Standard Network gives you access to many high-quality providers. This includes all UPMC doctors and hospitals, a certain group of non-UPMC providers, and most community hospitals.

You must select a primary care provider and get a referral to see most specialists. In an emergency, you can visit any emergency department. Your emergency care will be covered at the highest benefit level, even if the hospital does not participate with UPMC Health Plan.

Standard Network 2023Plan offered to individuals living in these countiesClearfieldClearfieldCrawfordCrawfordPlan not offered to individuals living in these countiesAdamsAdamsAlleghenyAlleghenyArmstrongArmstrongBeaverBeaverBedfordBedfordBerksBerksBlairBlairBradfordBradfordBucksBucksButlerButlerCambriaCambriaCameronCameronCarbonCarbonCentreCentreChesterChesterClarionClarionClintonClintonColumbiaColumbiaCumberlandCumberlandDauphinDauphinDelawareDelawareElkElkErieErieFayetteFayetteForestForestFranklinFranklinFultonFultonGreeneGreeneHuntingdonHuntingdonIndianaIndianaJeffersonJeffersonJuniataJuniataLackawannaLackawannaLancasterLancasterLawrenceLawrenceLebanonLebanonLehighLehighLuzerneLuzerneLycomingLycomingMcKeanMcKeanMercerMercerMifflinMifflinMonroeMonroeMontgomeryMontgomeryMontourMontourNorthamptonNorthamptonNorthumberlandNorthumberlandPerryPerryPhiladelphiaPhiladelphiaPikePikePotterPotterSchuylkillSchuylkillSnyderSnyderSomersetSomersetSullivanSullivanSusquehannaSusquehannaTiogaTiogaUnionUnionVenangoVenangoWarrenWarrenWashingtonWashingtonWayneWayneWestmorelandWestmorelandWyomingWyomingYorkYorkPlan offered to individuals living in these countiesPlan not offered to individuals living in these counties Standard Network Overview (PDF)
Find Standard Network Providers
Check Standard Network Drug Formulary

UPMC Premium Network (PPO)

For residents of Adams, Allegheny, Armstrong, Beaver, Bedford, Berks, Blair, Bradford, Butler, Cambria, Cameron, Carbon, Centre, Clarion, Clinton, Cumberland, Columbia, Dauphin, Elk, Erie, Fayette, Forest, Greene, Huntingdon, Indiana, Jefferson, Lackawanna, Lancaster, Lawrence, Lebanon, Lehigh, Luzerne, Lycoming, McKean, Mercer, Northampton, Northumberland, Perry, Potter, Schuylkill, Snyder, Somerset, Sullivan, Tioga, Union, Venango, Warren, Washington, Westmoreland, Wyoming, and York counties
The UPMC Premium Network—our highest-priced and broadest network and it is available throughout our service area. This network allows you to use in- and out-of-network providers. The Premium Network also offers the most flexibility in terms of cost sharing. You may pay less if you choose in-network providers than if you choose out-of-network providers. You can seek care from any emergency department in a true emergency situation, even if the hospital is not in the Premium Network. The emergency care you receive will be covered at the in-network benefit level.

Premium Network 2023Plan offered to individuals living in these countiesAdamsAdamsAlleghenyAlleghenyArmstrongArmstrongBeaverBeaverBedfordBedfordBerksBerksBlairBlairBradfordBradfordButlerButlerCambriaCambriaCameronCameronCarbonCarbonCentreCentreClarionClarionClintonClintonColumbiaColumbiaCumberlandCumberlandDauphinDauphinElkElkErieErieFayetteFayetteForestForestGreeneGreeneHuntingdonHuntingdonIndianaIndianaJeffersonJeffersonLackawannaLackawannaLancasterLancasterLawrenceLawrenceLebanonLebanonLehighLehighLuzerneLuzerneLycomingLycomingMcKeanMcKeanMercerMercerNorthamptonNorthamptonNorthumberlandNorthumberlandPerryPerryPotterPotterSchuylkillSchuylkillSnyderSnyderSomersetSomersetSullivanSullivanTiogaTiogaUnionUnionVenangoVenangoWarrenWarrenWashingtonWashingtonWestmorelandWestmorelandWyomingWyomingYorkYorkPlan not offered to individuals living in these countiesBucksBucksChesterChesterClearfieldClearfieldCrawfordCrawfordDelawareDelawareFranklinFranklinFultonFultonJuniataJuniataMifflinMifflinMonroeMonroeMontgomeryMontgomeryMontourMontourPhiladelphiaPhiladelphiaPikePikeSusquehannaSusquehannaWayneWaynePlan offered to individuals living in these countiesPlan not offered to individuals living in these counties Premium Network Overview (PDF)
Find Premium Network Providers
Check Premium Network Drug Formulary

Sample Individual and Family Plan Policies

Below are sample policy documents outlining the terms of coverage relative to various products offered by UPMC Health Plan Inc. and its affiliates, including UPMC Health Options Inc. and UPMC Health Coverage Inc. Please note that if you enroll in any product offered by UPMC Health Plan Inc. or its affiliates, you will receive policy documents outlining the terms of coverage specific to the product in which you enroll.

Sample 2023 Individual and Family Plan Policies

UPMC Advantage HMO Policy
UPMC Advantage HMO HSA Policy
UPMC Advantage UPMC VirtualCare EPO Policy
UPMC Advantage PPO Policy
UPMC Advantage EPO HSA Policy
UPMC Advantage PPO HSA Policy
UPMC VirtualCare EPO Policy
UPMC VirtualCare PPO Policy

1Eligibility for financial assistance is based on annual adjusted gross income. Annual income amounts are determined by the federal government. To determine your eligibility for financial assistance, you must confirm your eligibility on the Pennie website.

2Preventive care will be covered at 100 percent only when it is received from a participating provider and it is billed as preventive. A separate cost share may apply if additional medical services are received during the same visit or if your preventive care appointment becomes diagnostic in nature.

3Tier 5 preventive medications on UPMC Health Plan’s Advantage Choice formulary will be covered with no cost share for members who meet certain criteria in accordance with the Patient Protection and Affordable Care Act of 2010.

4Go to for award information.

5UPMC Health Plan commercial members and their dependents who reside or are traveling in Ohio will continue to access care through the SuperMed PPO Network and, while traveling outside of the state of Ohio, can also utilize the Cigna PPO Network.

6UPMC AnywhereCare Virtual Counseling is available to UPMC Health Plan members who are located in Pennsylvania at the time of the visit. The service is available to members of your household who are 18 years old and older. If further counseling is needed, the counselor may refer you or your household members to relevant community resources.

7Only the virtual visit with the provider will be covered at 100 percent. Prescription drug and other costs related to the visit or recommended by the provider will not be included in the virtual visit coverage and will be your responsibility. If you are enrolled in the UPMC Advantage Silver HSA $4,000/$0, UPMC Advantage Gold HSA $3,000/$0, or UPMC Advantage Catastrophic $9,100/$0 plans, UPMC AnywhereCare virtual visits will be covered at 100 percent after you meet your deductible. This information is not a complete description of benefits.

Contact the plan for more information. Limitations, copayments, and restrictions may apply.