Regulatory changes could impact your coverage in 2026. Stay informed this Open Enrollment season.

At UPMC Health Plan, we value our members and the communities we serve. We want to keep you informed about changes that will impact the Affordable Care Act (ACA), as well as how those changes could affect you. Our priority is ensuring that you have access to the resources and support you need to navigate these updates with confidence. See our FAQ for more information.

We’re here to help you choose a plan that’s right for you.

Call: 1-877-563-0292 (TTY: 711), Monday through Friday from 8 a.m. to 5 p.m.*.

*Hours may vary

 

Get free or low-cost coverage through the American Rescue Plan.

 
First, choose a starting date for coverage.

I need coverage for: (click all that apply)

Myself
My spouse/domestic partner
My child(ren) age 20 or younger
My child(ren) age 21 to 25
 
Manage your total care on one plan. New for 2026 – Now you can have medical, dental, and vision all in one plan!
 
UPMC Health Plan is now offering bronze, silver, and gold, plans bundled with dental and vision in the Select, Partner, and Premium networks.
To find out more call us at 1-877-563-0292 (TTY: 711) for help finding the option that will work best for you and your family.
 

Having health insurance is important for everyone at every age, and it’s important to select a plan that allows you to address your needs at every stage.

With UPMC Health Plan, you and your covered family members of all ages will enjoy benefits like $0 preventive care,1 no-cost preventive medications,2 access to top-ranked doctors and hospitals and an extended network3,4 . Resources are also available to help you and your family if you aren’t feeling well.

1Preventive 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.

2Preventive 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.

3Go to upmchealthplan.com/BEST for award information.

4Go to upmchp.us/networkaccess for award information.

Having health insurance is important for everyone at every age, and it’s important to select a plan that allows you to address your needs at every stage.

With UPMC Health Plan, you and your covered family members of all ages will enjoy benefits like $0 preventive care,1 no-cost preventive medications,2 access to top-ranked doctors and hospitals and an extended network3,4 . Resources are also available to help you and your family if you aren’t feeling well.

Innovative Products from UPMC Health Plan

UPMC First Care™

Focus on your care, not your copay
Cost savings
  • $0 copay for the first in-person and virtual PCP visits
  • $0 copay for the first in-person and virtual specialist visits
  • $0 copay for all nonemergency 24/7 video visits5
  • $0 copay for all behavioral health office visits
Choice
  • Access to convenient, low-cost care virtually or in person
  • Telehealth Services including 24/7 video visits, behavioral health support, and health coaching
Patient experience
  • Integrated benefit plan requires no payment card to access benefits
  • $0 copay is automatically applied for qualifying visits
  • Digital resources to help members manage their plan, including a member website and app, plus health and wellness discounts
 
 
Learn about UPMC First Care

UPMC VirtualCare™

Your care. Your choice. Your way.

UPMC VirtualCare™ provides access to some of the highest-quality care in Pennsylvania and is designed to meet many financial and health care needs.

It connects you to convenient, low-cost care your way—virtually or in person. You know what you need, so you can choose what’s best for you.

UPMC VirtualCare gives you:

  • The flexibility of virtual visits at a lower cost.
  • $0 copays for virtual primary, urgent, and behavioral health care visits.
  • A reduced rate for virtual specialist visits.
Learn about UPMC VirtualCare
  • It connects you to convenient care your way—virtually or in person. You know what you need, so you can choose what’s best for you.
  • The flexibility of virtual visits at a lower cost.
  • $0 copays for virtual primary, urgent, and behavioral health care visits.
  • A reduced rate for virtual specialist visits.

UPMC VirtualCare is available in all UPMC Select and Partner Network counties and can be purchased as a Bronze or Silver plan.

Discover the value of UPMC Health Plan:

You will have all the resources you need to manage your health within easy reach:
Access to care to help you stay healthy.
$0 preventive care that covers many health services for adults and children at 100 percent1
No-cost preventive medications2
Access to top-ranked doctors and hospitals and an extended network34
Care for your mental and physical health
Six free counseling sessions through LifeSolutions®6
Free health coaching to help you make healthy changes in your life
Support you when you need it
24/7 video visits for treatment that fits your schedule and is covered at 100 percent by most plans5
The UPMC Health Plan app for easy access to your health insurance information
Our exceptional Health Care Concierge team for help navigating your benefits through an online chat or phone call
 
#1 in Member Satisfaction in Commercial Health Plans in Pennsylvania and most trusted 2 years in a row
 
For J.D. Power 2025 award information, visit jdpower.com/awards.
Learn about our high-quality plans for individuals and families and financial aid options that can help you save on your coverage.
See our 2025 Product Guide

1Preventive 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.

2Preventive 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.

3Go to upmchealthplan.com/best for award information.

4For details, visit upmchp.us/networkaccess.

5Only 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, UPMC Advantage Gold HSA, or UPMC Advantage Catastrophic plan, UPMC 24/7 video 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.

6UPMC 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.

UPMC Health Plan members who are in Pennsylvania at the time of a virtual visit may select a UPMC-employed provider, subject to availability and discretion of the provider. Members located outside of Pennsylvania at the time of service or those who select Talk Therapy or Psychiatry services will receive care from a provider employed or contracted by Online Care Network II PC (OCN), also known as Amwell Medical Group. OCN is not an affiliate of UPMC. Limitations may apply for members of ASO plans that have opted out of coverage. Providers are not available to treat members who are in Puerto Rico.

 
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