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Affordable Health Insurance in Philadelphia, PA

Find health insurance plans in Philadelphia starting at approximately $508/month. Compare 82+ plans from 4 carriers in Philadelphia County.

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Health Insurance in Philadelphia, Pennsylvania

If you live in the Philadelphia-Camden-Wilmington area, your health insurance options are determined by Philadelphia County marketplace data. For 2026, the benchmark silver plan premium for a 40-year-old in your county averages $508 per month before any premium tax credits are applied. With 82+ plans available from 4 carriers, comparing your options is essential to finding the right balance of cost and coverage.

Philadelphia has a population of approximately 1,600,000 and is home to major employers including University of Pennsylvania Health System, Comcast, Thomas Jefferson University. Whether you work for a large employer, run your own business, or are between jobs, a licensed health insurance broker can help you navigate the Philadelphia market at no additional cost.

Available Health Insurance Carriers

BCBS
Oscar
Geisinger
Ambetter

Based on Philadelphia County 2026 marketplace data.

Coverage Quick Facts

Benchmark Premium

$508/mo

Plans Available

82+

County

Philadelphia

Carriers

4 carriers

Explore all health insurance options in Pennsylvania, compare plan types including HMO, PPO, and HDHP, or learn about supplemental dental and vision coverage to complement your major medical plan.

Compare Plans in Philadelphia

A licensed advisor can walk you through plans in Philadelphia County — free, no obligation.

Call 866-981-8620

Philadelphia Health Insurance FAQ

What health insurance companies are in Philadelphia, PA?

Health insurance carriers serving Philadelphia in Philadelphia County for 2026 include BCBS, Oscar, Geisinger, Ambetter. Plan availability and pricing vary by county, so the specific plans you can access depend on your ZIP code within the Philadelphia-Camden-Wilmington area.

How much is health insurance in Philadelphia?

The 2026 benchmark silver plan premium in Philadelphia County averages approximately $508/month for a 40-year-old before premium tax credits. Your actual cost depends on your age, income, household size, and chosen metal tier. A licensed broker can help you find the most affordable option.

Can I get health insurance in Philadelphia outside of open enrollment?

Yes, if you qualify for a Special Enrollment Period through a qualifying life event — losing employer coverage, getting married, having a baby, or moving to Philadelphia. Short-term health plans are also available year-round in most areas as temporary coverage.

How do I enroll in health insurance in Philadelphia?

You can enroll through the health insurance marketplace or by calling a licensed broker at 866-981-8620. A broker compares all available plans in Philadelphia County at no extra cost to you, helping you find the right coverage for your budget.

Looking for health insurance in Philadelphia? Talk to a licensed advisor today.

Call 866-981-8620

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