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Affordable Philadelphia health insurance rates for single persons or families are available. We provide free quotes, direct online enrollment, and expert guidance in the Philadelphia area. Get the lowest on and off-Marketplace prices in Bucks, Montgomery, Delaware, Chester, and Philadelphia Counties. In less than one minute, compare comprehensive plans at the lowest available prices. A federal tax credit may pay most or all of your cost, if you qualify.

Exchange plans are offered by Independence Blue Cross (Keystone) and Ambetter. Southeastern Pa medical rates have remained competitive compared to most other parts of the state. Nearby New York and New Jersey premiums are generally much higher. Several other companies offer "short-term" plans that can be kept for up to 12 months. Small Group coverage is offered by additional carriers. Fee-For-Service (Major Medical) and Managed Care (HMO, PPO, and POS) plans are available that can be customized to meet your specific company needs.

Senior Medigap options (Supplement, Advantage, and Part D prescription drug) are also available from many companies. Often, you can reduce potential out-of-pocket expenses not covered by original Medicare coverage.

 

Federal Obamacare Subsidies

We continue to offer the lowest available prices and never charge any fees for our service. Only quality policies are shown while "limited benefit discount plans" are excluded. You can easily compare the best offers by simply placing 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. We can help you compare the top-rated offers and guide you through the application process.

During Open Enrollment periods (November 1 through December 15), federal subsidies are offered to households with income between 100% and 400% of the Federal Poverty Level. The money received is tax-free and instantly applied to reduce the policy premium. Below, we illustrated several scenarios with the corresponding annual subsidy amount. Senior Medicare plans are not eligible for federal subsidies.

35-year-old with $25,000 household income - $3,648

45-year-old with $30,000 household income - $3,828 

55-year-old with $30,000 household income - $7,260

30-year-old couple with $40,000 household income - $6,672 

50-year-old couple with $50,000 household income - $10,668

 

List Of Companies Offering Under-65 Marketplace Plans

 

Affordable health insurance plans in Philadelphia from Keystone Independence Blue Cross are available. Federal subsidies reduce rates in Pennsylvania.

 

Independence Blue Cross (IBX) is one of the nation's largest insurers. They provide coverage in 24 states and more than two million persons in Southeastern Pennsylvania. As part of the Blue Cross Blue Shield network, providers are available in most areas of the US. You can enroll in plans that are eligible for federal tax credits along with options that are not federally-subsidized.

Keystone plans continue to be some of the most popular private healthcare options. Their service area includes Bucks, Philadelphia, Delaware, Chester and Montgomery counties. In addition to the customary "essential health benefits" you expect, the Keystone Health Plan East HMO network allows you to choose from a wide range of local doctors, specialists, hospitals, and other facilities.

Naturally, this can be an important benefit if you have ongoing medical issues that require annual treatment. However, if you live outside of the coverage area, you must select a different carrier, such as Aetna or UnitedHealthcare. NOTE: For Seniors, Medicare Advantage prescription drug plans are offered, Advantage plans, and numerous Supplement options including Plans A,B,C,F,F (High Deducible) and N. Rates and benefits can change each year.

IBX offers the following network options for persons under age 65:

HMO - In-network coverage that requires the selection of a primary-care physician. Visits to a specialist require a referral from the pcp.

PPO - In and out-of-network coverage. Also includes in-network coverage with additional nationwide benefits through BlueCard PPO.

HMO Proactive With Tiered Network - In-network coverage that requires the selection of a primary-care physician. Visits to a specialist require a referral from the pcp.  Optional tiers to help reduce out-of-pocket expenses.

EPO - In-network coverage with additional nationwide benefits through BlueCard PPO.  EPO Reserve with HSA also available.

 

Independence Blue Cross Plans

 

Catastrophic

Personal Choice Catastrophic - $50 copay for first three pcp office visits. No charge for telemedicine visits. $7,900 deductible with 0% coinsurance. NOTE: You must be under age 30 to qualify for coverage.

 

Bronze

Personal Choice EPO Bronze Reserve - $6,750 deductible with 0% coinsurance. No charge for telemedicine visits.

Personal Choice EPO Bronze Reserve Basic - $7,900 deductible with 0% coinsurance. First three pcp office visits covered with $40 copay.

Personal Choice PPO Bronze - $5,500 deductible with 50% coinsurance. $50 copay for pcp office visits. $40 copay for telemedicine visits.

Keystone HMO Bronze - $7,400 deductible with $50 and $100 office visit copays. $40 copay for telemedicine visits.

 

Silver

Keystone HMO Silver Proactive - $40 and $80 office visit copays with $0 deductible (Tier 1). $100 Urgent Care copay. $20 generic drug copay ($40 mail order).

Keystone HMO Silver Proactive Select - $40 and $80 office visit copays with $0 deductible (Tier 1). $20 generic drug copay.

Keystone HMO Silver - $35 and $70 office visit copays with $7,000 deductible.  $20 generic drug copay.

Personal Choice PPO Silver - True PPO plan with $30 and $75 office visit copays with $2,500 deductible. $15 generic drug copay.

 

Gold

Personal Choice PPO Gold - $30 and $65 office visit copays. $0 deductible with maximum out-of-pocket expenses of $6,500. $100 and $350 Urgent Care and ER copays. $15 generic drug copay ($30 mail order).

Keystone HMO Gold Proactive - $15 and $40 office visit copays. $0 deductible with maximum out-of-pocket expenses of $7,900. $100 and $400 Urgent Care and ER copays. $20 generic drug copay ($40 mail order).

Keystone HMO Gold - $35 and $65 office visit copays. $0 deductible with maximum out-of-pocket expenses of $6,500. $100 and $350 Urgent Care and ER copays. $15 generic drug copay ($30 mail order). 

 

Ambetter Plans

Essential Care 1 - $7,900 deductible with 0% coinsurance.

Balanced Care 11 - $30 and $60 office visit copays with $6,000 deductible.  $20 generic and $50 preferred brand drug copays ($60 and $150 mail order).

Balanced Care 5 - $40 and $80 office visit copays with $7,350 deductible.  $20 generic and $60 preferred brand drug copays ($60 and $180 mail order). 

Balanced Care 3 - $30 and $60 office visit copays with $3,000 deductible.  $25 generic and $50 preferred brand drug copays ($75 and $150 mail order).  

Secure Care 1 With 3 Free PCP Visits - Three pcp office visits with $0 copay with $1,000 deductible.  $10 generic and $25 preferred brand drug copays ($30 and $75 mail order). Non-preferred brand drug copays are $75 and $225. 

 

Aetna Plans (Options shown below are not available for new business, but may be retained if offered as "grandfathered" contract)

 

Leap Basic HSA - Health Savings Account option with $5,825 deductible and 0% coinsurance.

Leap Basic Plus - $6,500 deductible with 0% coinsurance. Generic drugs available with only $10 copay.

Leap Everyday - Silver-tier plan with $5,000 deductible and $25 pcp office visit copay.

Leap Everyday Plus - Similar to prior plan but with $10 pcp office visit copay and lower deductible of $4,210.

Leap Specialty - Lower $3,000 deductible (Gold-tier) with copays on both pcp and specialist visits ($10 and $75).

Leap Diabetes - Most expensive Aetna plan in Pennsylvania. $3,200 deductible. $10 and $100 office visit copays.

 

UnitedHealthcare Plans (Options shown below are not available for new business, but may be retained if offered as "grandfathered" contract)

 

Bronze Compass HSA 5500 - Health Savings Account with $5,500 deductible.

Bronze Compass 6500 - Office visit copays of $45 and $100. $6,500 deductible.

Silver Compass HSA 2000 - Health Savings Account with $2,000 deductible.

Silver Compass 4500 - Office visits of $10 and $30 (very low) with $4,500 deductible. Also low $5 copay for generic drugs.

Gold Compass 0 - $0 deductible with $30 and $60 office visit copays. Maximum out-of-pocket costs, however, is still $6,850.

Gold Compass 1000 - Similar to 4500 plan, but with lower deductible of $1,000.

Get assistance from the Philadelphia Health Department. Stay healthy and take advantage of many free programs.

 

Role Of Public Health Department

 

The Public Health Department for the city of Philadelphia also provides help to consumers in the area. Free assistance is offered on a wide range of topics and concerns, including, mental health services, smoking cessation support, birth or death certificates, prenatal and baby care, fighting the flu, animal and insect issues, breastfeeding, and childhood lead poisoning prevention.

There are eight neighborhood locations in the area that provide medical care, ambulatory services and many types of treatment to local residents. Medicaid, Medicare and many HMO (and some PPO) plans are accepted. If there is no coverage in place, a nominal fee will be required. Family planning, checkups, immunizations and nutritional counseling are just a few of the many available treatments and services.

If there is a health emergency, you can call (215) 685-6748. Separate phone numbers are available for specific concerns, such as HIV information and testing, complaints about restaurants, suicide and crisis intervention, animal licensing, and food poisoning reports.

 

Monthly Rates For Persons Under Age 65 In Philadelphia County (Rates Lower In Chester And Delaware Counties)

 

25-Year-Old With $22,000 Income

$29 - Independence Blue Cross Personal Choice EPO Bronze Reserve

$32 - Ambetter Essential Care 1

$54 - Independence Blue Cross Personal Choice PPO Bronze

$103 - Keystone HMO Silver Proactive

 

30-Year-Old With $25,000 Income

$56 - Independence Blue Cross Personal Choice EPO Bronze Reserve

$60 - Ambetter Essential Care 1

$85 - Independence Blue Cross Personal Choice PPO Bronze

$103 - Keystone HMO Silver Proactive 

 

43-Year-Old Married Couple (2 Persons) With $50,000 Income

$209 - Independence Blue Cross Personal Choice EPO Bronze Reserve

$218 - Ambetter Essential Care 1

$277 - Independence Blue Cross Personal Choice PPO Bronze

$409 - Keystone HMO Silver Proactive

 

50-Year-Old Married Couple With Child (3 Persons) With $68,000 Income

$236 - Independence Blue Cross Personal Choice EPO Bronze Reserve

$251 - Ambetter Essential Care 1

$345 - Independence Blue Cross Personal Choice PPO Bronze

$555 - Keystone HMO Silver Proactive

 

62-Year-Old Married Couple (2 Persons) With $60,000 Income

$65 - Independence Blue Cross Personal Choice EPO Bronze Reserve

$85 - Ambetter Essential Care 1

$209 - Independence Blue Cross Personal Choice PPO Bronze

$489 - Keystone HMO Silver Proactive

 

 

Affordable Medicare Supplement Plans for Seniors in the Philadelphia area. Instantly compare the best rates and enroll online.

 

Medigap Coverage For Seniors In The Philadelphia Area

 

If you have reached age 65, you are probably covered by standard Medicare. Although coverage is fairly comprehensive, there are many expenses that you still may have to pay, including coinsurance, deductibles, copays, and additional out-of-pocket costs. Medigap and Medicare Advantage plans offer affordable options that help pay for these expenses, and also include some additional benefits. Quite simply, they "fill in the gaps."

After enrolling in Medicare Part B, a six-month Medigap "Open Enrollment Period" (OEP) allows you to compare and choose options without medical underwriting. An additional period begins in October of every year. Of course, throughout the year, you may be able to apply for supplemental coverage, although acceptance is not guaranteed.

It's extremely important to properly research, compare, and understand which Senior plans will benefit you the most. Although price is an important consideration, other factors must be considered. We have listed below available policy options. However, the cost of coverage should not be the sole reason for enrolling in the plan.

 

Philadelphia Medicare Supplement Monthly Rates (Prices For 65 Year-Old Female)

 

Plan A

$90 - AARP-UnitedHealthcare

$93 - Transamerica

$114 - Continental Life

$115 - CSI Life

$119 - Independence Blue Cross

$130 - Union Security

$130 - Americo

$131 - Thrivent

$136 - New Era Life

$136 - Greek Catholic Union

$137 - Cigna

$137 - Guarantee Trust Life

$141 - Manhattan Life

$141 - Medico

$142 - Humana

$151 - Mutual Of Omaha

$159 - Philadelphia American Life

$189 - Gerber

 

Plan B

$121 - Transamerica Premier Life

$122 - Continental Life

$131 - Americo

$131 - Manhattan Life

$133 - Thrivent

$133 - CSI Life

$139 - Cigna

$141 - Guarantee Trust Life

$143 - Greek Catholic Union

$145 - Independence Blue Cross

$146 - Humana

$151 - New Era Life

$154 - Medico

$155 - Mutual Of Omaha

$159 - AARP-UnitedHealthcare

$195 - Philadelphia American Life

$219 - Gerber

 

Plan C

$168 - Loyal Christian Benefit

$175 - CSI Life

$188 - Manhattan Life

$195 - Central States

$196 - AARP-UnitedHealthcare

$221 - Mutual Of Omaha

$228 - Philadelphia American

$282 - Gerber

$300 - Humana

 

Plan F (High Deductible)

$49 - Americo

$50 - Cigna

$50 - New Era Life

$54 - Medico

$63 - Continental Life

$64 - Mutual Of Omaha

$67 - Humana

 

Plan F

$158 - Continental Life

$160 - Americo

$169 - Thrivent

$169 - Loyal Christian Benefit

$174 - Guarantee Trust Life

$176 - CSI Life

$176 - Humana

$177 - Cigna

$183 - Independence Blue Cross

$187 - Greek Catholic Union

$189 - New Era Life

$190 - Manhattan Life

$190 - Transamerica Premier Life

$196 - AARP-UnitedHealthcare

$209 - Medico

$223 - Mutual Of Omaha

$283 - Gerber

 

Plan N

$101 - Continental Life

$105 - Manhattan Life

$107 - CSI Life

$108 - Americo

$108 - Transamerica Premier

$108 - Union Security

$110 - Greek Catholic Union

$113 - Thrivent

$117 - Humana

$118 - Loyal Christian Benefit

$119 - Cigna

$121 - Medico

$127 - Independence Blue Cross

$133 - AARP-UnitedHealthcare

$139 - Mutual Of Omaha

$158 - Philadelphia American

 

Affordable Philadelphia health insurance plans. Apply for coverage for yourself and family.


 

Advantage Plan Options In Philadelphia County

AdvantraOne PPO - $0 per month premium, with $395 deductible. $35 and $50 office visit copays and $60 and $90 Urgent Care and ER copays. $0, $10, and $47 Tier 1, Tier 2, and Tier 3 copays.

Advantra Silver HMO - $0 per month premium, with $0 deductible. $5 and $50 office visit copays and $60 and $90 Urgent Care and ER copays. $0, $10, and $47 Tier 1, Tier 2, and Tier 3 copays.

Advantra Gold PPO - $67 per month premium, with $0 deductible. $0 and $45 office visit copays and $50 and $90 Urgent Care and ER copays. $0, $0, and $47 Tier 1, Tier 2, and Tier 3 copays.

Advantra Southeast Prime HMO - $0 per month premium, with $0 deductible. $0 and $45 office visit copays and $50 and $90 Urgent Care and ER copays. $0, $10, and $47 Tier 1, Tier 2, and Tier 3 copays.

Advantra Cares HMO SNP - $0 per month premium, with $0 deductible. Must qualify for Medicare and Medicaid.

Aetna Medicare Basic Plan - $0 per month with $5 and $35 office visit copays and $5-60 and $90 Urgent Care and ER copays. . No prescription drug coverage. 

Aetna Medicare Choice Plan - $0 per month premium, with $0 deductible. $30 and $45 office visit copays and $30-$50 and $90 Urgent Care and ER copays. $2, $5, and $47 Tier 1, Tier 2, and Tier 3 copays.

Aetna Medicare Silver Plan - $0 per month premium, with $0 deductible. $10 and $40 office visit copays and $10-$50 and $90 Urgent Care and ER copays. $2, $5, and $47 Tier 1, Tier 2, and Tier 3 copays.

Allwell Medicare - $0 per month premium, with $0 deductible. $0 and $40 office visit copays and $40 and $90 Urgent Care and ER copays. $0, $10, and $47 Tier 1, Tier 2, and Tier 3 copays. 

Cigna-HealthSpring Advantage - $0 per month premium with $0 and $40 office visit copays and $55 and $90 Urgent Care and ER copays.  No prescription drug coverage.

Cigna-HealthSpring Alliance - $0 per month premium, with $0 deductible. $0 and $35 office visit copays and $55 and $90 Urgent Care and ER copays. $1, $10, and $42 Tier 1, Tier 2, and Tier 3 copays.

Cigna-HealthSpring Preferred - $15 per month premium, with $280 deductible. $0 and $40 office visit copays and $55 and $90 Urgent Care and ER copays. $1, $10, and $42 Tier 1, Tier 2, and Tier 3 copays.

Cigna-HealthSpring Achieve - $29 per month premium, with $0 deductible. $0 and $35 office visit copays and $55 and $90 Urgent Care and ER copays. $1, $5, and $42 Tier 1, Tier 2, and Tier 3 copays.

Cigna-HealthSpring TotalCare - $0 per month premium, with $0 deductible. 0% or 20% and $0 or $40 office visit copays and 0% or 20% and $0 or $90 Urgent Care and ER copays. 15%, 15%, and 15% Tier 1, Tier 2, and Tier 3 copays.

Cigna-HealthSpring PreferredPlus - $125 per month premium, with $0 deductible. $0 and $40 office visit copays and $55 and $90 Urgent Care and ER copays. $1, $2, and $42 Tier 1, Tier 2, and Tier 3 copays. 

Gateway Health Medicare Assured Diamond - $0 per month premium, with $0 deductible. Must qualify for Medicare and Medicaid. $0, $20, and $47 Tier 1, Tier 2, and Tier 3 copays. 

Gateway Health Medicare Assured Ruby - $0 per month premium, with $0 deductible. Must qualify for Medicare and Medicaid. $0, $20, and $47 Tier 1, Tier 2, and Tier 3 copays. 

Health Partners Medicare Special - $0 per month premium, with $0 deductible. Must qualify for Medicare and Medicaid.

Health Partners Medicare Prime - $71 per month premium, with $350 deductible. $0 and $50 office visit copays and $65 and $90 Urgent Care and ER copays. $7, $20, and $47 Tier 1, Tier 2, and Tier 3 copays.

Humana Gold Plus H6622-037 - $0 per month premium, with $0 deductible. $0 and $35 office visit copays and $0-$35 and $90 Urgent Care and ER copays. $3, $15, and $47 Tier 1, Tier 2, and Tier 3 copays.   

Humana Gold Plus H6622-039 - $0 per month premium, with $350 deductible. $20 and $45 office visit copays and $20-$45 and $90 Urgent Care and ER copays. $9, $19, and $47 Tier 1, Tier 2, and Tier 3 copays.   

HumanaChoice H5216-116 - $0 per month premium. $10 and $35 office visit copays and $10-$35 and $90 Urgent Care and ER copays. No prescription drug benefits.

HumanaChoice R0923-001 - $0 per month premium. $0 and $35 office visit copays and $0-$35 and $90 Urgent Care and ER copays. No prescription drug benefits.

Keystone 65 Basic Rx - $0 per month premium. $0-$15 and $45 office visit copays and $15-$40 and $90 Urgent Care and ER copays. $2, $10, and $47 Tier 1, Tier 2, and Tier 3 copays.   

Keystone 65 Focus Rx - $10 per month premium. $0-$10 and $40 office visit copays and $10-$40 and $90 Urgent Care and ER copays. $2, $10, and $47 Tier 1, Tier 2, and Tier 3 copays.   

Keystone 65 Select Medical Only - $47 per month premium, with $0 deductible. Drug coverage not included.

Keystone 65 Select Rx - $68 per month premium. $0-$15 and $40 office visit copays and $15-$40 and $90 Urgent Care and ER copays. $1, $9, and $47 Tier 1, Tier 2, and Tier 3 copays.

Lasso Healthcare MSA - $0 per month with $8,700 deductible. No prescription drug coverage. 

Personal Choice 65 Medical Only - $184 per month premium. $5 and $40 office visit copays and $5 and $40 and $90 Urgent Care and ER copays. No prescription drug benefits.

Personal Choice 65 Rx - $289 per month premium. $5 and $40 office visit copays and $5 and $40 and $90 Urgent Care and ER copays. $1, $9, and $47 Tier 1, Tier 2, and Tier 3 copays.

UnitedHealthcare Dual Complete - $0 per month premium, with $0 deductible.

UPMC for Life HMO Deductible with Rx - $15 per month premium. $10 and $35 office visit copays and $50 and $90 Urgent Care and ER copays. $0, $10, and $42 Tier 1, Tier 2, and Tier 3 copays.

 

Part D Drug Plan Options

Humana Walmart Rx

Humana Preferred Rx

Humana Enhanced

Coventry First Health Part D Premier Plus

Coventry First Health Part D Value Plus

SilverScipt Choice

Cigna HealthSpring Rx Secure

Aetna Medicare Rx Saver

Symphonix Value Rx

EnvisionRxPlus Silver

AARP MedicareRx Saver Plus

AARP MedicareRX Preferred

 

Summary

 

Considered a trusted authority for Philadelphia health insurance, we will find the policy that offers the coverage you want at a rate you can easily pay. 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. CHIP programs are also available for children that meet specific income guidelines.

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 benefits with smaller copayments for major claims. Healthcare providers in the area have always maintained a strong relationship with IBX. We can customize benefits so that you don't pay for unneeded items.

HSAs 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. UnitedHealthcare 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. It's one of the best methods to take control of your medical expenses.

Get Your Quote Now!

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