Affordable Philadelphia health insurance insurance rates can be found on our website. Almost all of the top health insurance carriers offer high quality coverage in the Philadelphia area including Aetna, United HealthOne, Keystone, Independence Blue Cross, HealthAmerica and Celtic. Southeastern Pa medical rates have remained fairly competitive compared to most other parts of the state. Nearby New York and New Jersey health insurance rates are much higher.

We continue to offer the lowest available rates allowed by each company and never charge any fees for our service. Only quality plans are shown while "discount plans" are never used. You can easily view rates by simply offering your zip code at the top of the page. Only a few simple questions are needed and you are not required to reveal any personal information.

Independence Blue Cross (IBX) offers affordable HMO plans through Keystone Health Plan East. Featured are six different plans (three copay plans and three deductible plans) that provide comprehensive benefits at extremely competitive prices. Additional information on these plans can be found here. Keystone plans continue to be some of the most popular private health care options.

Five additional "Personal Choice" plans are also available. Premiums are less than the HMO plans and office visit and prescription copays are available on three of the plans. The other two plans are HSA-eligible and offer a $5,000 or $3,000 deductible. These policies will allow you to reduce your premiums while still maintaining comprehensive coverage. And qualified preventive benefits will still be covered at 100% with no waiting period. All of the plans have flexible billing options and plans can be canceled at any time.

Considered a trusted authority for Philadelphia health insurance, we’ll find the policy that offers the coverage you want at a rate you can afford. Catastrophic and comprehensive plans, policies you keep a few months, and Health Savings Accounts (HSAs) are all offered to individuals and families. If there are specific coverages that you don't need (such as maternity), we'll only research plans that exclude that coverage. If you need coverage within 24 hours, it may be possible.

Catastrophic health insurance plans are the least expensive type of policy in the Philadelphia area. Normally, major medical expenses are covered with limitations on most other benefits. UnitedHealthOne's "Saver 80" and Aetna's "Preventive & Hospital Care" plans are two popular Philadelphia catastrophic plans. These two plans will substantially slash premiums although physician visit and RX coverage will be sparse.

Comprehensive plans will cover most items, with lower out of pocket costs for office visits and prescriptions. Preventative coverage is normally included and premiums tend to be the highest for this type of coverage. Independence Blue Cross (IBX) Keystone policies are very popular and feature a broad range of coverages with smaller copayments for major claims. Health care providers in Philadelphia have always maintained a strong relationship with IBX.

Philadelphia Health Savings Accounts are very popular plans for the self-employed. Health care costs are reduced and the possibility of tax-deferred savings is one of many features in this type of coverage. HealthAmerica and Aetna have traditionally provided the most competitive Philadelphia area rates, although the Keystone plans should also be considered.  A wide range of deductibles is available to fit any person's budget.

The "Quote" area at the top of the page allows you to initiate the process of viewing and comparing rates. You'll be able to easily apply for coverage online and know you are paying the lowest possible cost of each plan.