Health insurance prices in Philadelphia County, PA (2026)
75 marketplace plans from 5 insurers. Cheapest plan $297/mo; typical Silver $540/mo. Official marketplace: Pennie (enter your ZIP for your real price and tax credit).
Plan year 2026 prices; 2027 prices will be added as soon as CMS publishes them. Monthly premium for one 40-year-old, before any tax credit (subsidy). Rating Area 8.
Tick 2 to 4 options anywhere on this page (an insurer's cheapest plan, any plan in the full list, or a health sharing program) and press Compare. You can mix insurance and health sharing, and share the link.
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Individual & family health insurance (marketplace / ACA plans)
Real insurance plans you buy yourself (not through a job), sold by companies like UnitedHealthcare, Blue Cross Blue Shield, Ambetter (Centene), Oscar, Cigna, Molina and Anthem through HealthCare.gov or your state's marketplace.
Looking for Aetna? Aetna CVS Health left the ACA marketplace for 2026 (it sold plans in 17 states in 2025). Source: KFF
All plans here: Bronze $297–$571 (typical $426) · Silver $455–$923 (typical $540) · Gold $406–$908 (typical $617) · Catastrophic $393–$404 (typical $398)
Insurers, sorted by typical Silver price
Every marketplace insurer must sell Silver and Gold plans; Bronze is optional, so Silver is the fair comparison. Typical = median monthly premium, age 40.
| Comparecheapest plan | Insurer | Plans | Cheapest plan | Typical Bronze | Typical Silver | Typical Gold | Cheapest plan name |
|---|---|---|---|---|---|---|---|
| Jefferson Health Plans | 18 | $297 | $347 | $512 | $446 | Jefferson Health Plans + Value + Bronze + HMO | |
| Ambetter (Centene) | 12 | $382 | $409 | $516 | $487 | Everyday Bronze | |
| Independence Blue Cross (PA)Independence Health Group (Blue Cross Blue Shield company) | 21 | $328 | $426 | $582 | $704 | Keystone HMO Bronze Proactive | |
| Oscar Health | 10 | $443 | $452 | $618 | $561 | Bronze Classic | |
| Highmark Blue Cross Blue Shield (PA)Highmark Health (Blue Cross Blue Shield company) | 14 | $498 | $550 | $902 | $699 | my Blue Access PPO Bronze 9200 |
All 75 plans in Philadelphia County, cheapest first
| Compare | Insurer | Plan | Metal | Network | Monthly | Deductible | Out-of-pocket max | Bad year |
|---|---|---|---|---|---|---|---|---|
| Jefferson Health Plans | Jefferson Health Plans + Value + Bronze + HMO | Bronze | HMO | $297 | $10,000 | $10,000 | $13,567 | |
| Jefferson Health Plans | Jefferson Health Plans + Total + Bronze + HMO | Expanded Bronze | HMO | $309 | $8,500 | $10,600 | $14,302 | |
| Jefferson Health Plans | Jefferson Health Plans + $0 Deductible + Bronze + HMO | Expanded Bronze | HMO | $327 | $0 | $10,600 | $14,518 | |
| Independence Blue Cross (PA) | Keystone HMO Bronze Proactive | Expanded Bronze | HMO | $328 | $8,000 | $10,600 | $14,531 | |
| Independence Blue Cross (PA) | Keystone HMO Bronze | Expanded Bronze | HMO | $358 | $8,500 | $9,500 | $13,793 | |
| Jefferson Health Plans | Jefferson Health Plans + Value + Bronze + PPO | Expanded Bronze | PPO | $368 | $8,500 | $8,500 | $12,920 | |
| Jefferson Health Plans | Jefferson Health Plans + Total + Bronze + PPO | Expanded Bronze | PPO | $369 | $9,000 | $10,600 | $15,027 | |
| Ambetter (Centene) | Everyday Bronze | Expanded Bronze | HMO | $382 | $8,450 | $10,150 | $14,733 | |
| Jefferson Health Plans | Jefferson Health Plans + $0 Deductible + Bronze + PPO | Expanded Bronze | PPO | $382 | $0 | $10,600 | $15,189 | |
| Ambetter (Centene) | Everyday Bronze + Vision + Adult Dental | Expanded Bronze | HMO | $391 | $8,450 | $10,150 | $14,847 | |
| Independence Blue Cross (PA) | Personal Choice EPO Catastrophic | Catastrophic | EPO | $393 | $10,600 | $10,600 | $15,312 | |
| Independence Blue Cross (PA) | Personal Choice EPO Bronze Basic | Expanded Bronze | EPO | $404 | $9,800 | $9,800 | $14,645 | |
| Highmark Blue Cross Blue Shield (PA) | my Blue Access Major Events PPO Catastrophic 10600 - 3 Free PCP Visits | Catastrophic | PPO | $404 | $10,600 | $10,600 | $15,451 | |
| Jefferson Health Plans | Jefferson Health Plans + Value + Gold + HMO | Gold | HMO | $406 | $2,000 | $10,600 | $15,471 | |
| Jefferson Health Plans | Jefferson Health Plans + Total + Gold + HMO | Gold | HMO | $412 | $1,000 | $10,600 | $15,548 | |
| Ambetter (Centene) | Elite Bronze | Expanded Bronze | HMO | $426 | $0 | $10,500 | $15,614 | |
| Ambetter (Centene) | Elite Bronze + Vision + Adult Dental | Expanded Bronze | HMO | $437 | $0 | $10,500 | $15,741 | |
| Jefferson Health Plans | Jefferson Health Plans + $0 Deductible + Gold + HMO | Gold | HMO | $439 | $0 | $10,600 | $15,873 | |
| Oscar Health | Bronze Classic | Expanded Bronze | HMO | $443 | $7,000 | $10,150 | $15,467 | |
| Oscar Health | Bronze Classic PCP Saver Plus | Expanded Bronze | HMO | $448 | $9,000 | $9,700 | $15,073 | |
| Independence Blue Cross (PA) | Personal Choice EPO Bronze Classic | Expanded Bronze | EPO | $449 | $4,750 | $9,800 | $15,183 | |
| Jefferson Health Plans | Jefferson Health Plans + Value + Gold + PPO | Gold | PPO | $452 | $1,500 | $10,600 | $16,022 | |
| Independence Blue Cross (PA) | Personal Choice EPO Bronze Reserve | Expanded Bronze | EPO | $455 | $7,450 | $7,450 | $12,906 | |
| Jefferson Health Plans | Jefferson Health Plans + Total + Silver + HMO | Silver | HMO | $455 | $5,500 | $10,600 | $16,059 | |
| Oscar Health | Bronze Classic 4700 | Expanded Bronze | HMO | $457 | $4,700 | $9,500 | $14,980 | |
| Jefferson Health Plans | Jefferson Health Plans + Total + Gold + PPO | Gold | PPO | $459 | $500 | $10,600 | $16,107 | |
| Jefferson Health Plans | Jefferson Health Plans + Balanced + Silver + HMO | Silver | HMO | $468 | $6,900 | $10,600 | $16,219 | |
| Ambetter (Centene) | Everyday Gold | Gold | HMO | $474 | $800 | $7,250 | $12,939 | |
| Jefferson Health Plans | Jefferson Health Plans + $0 Deductible + Gold + PPO | Gold | PPO | $482 | $0 | $10,600 | $16,383 | |
| Oscar Health | Bronze Elite PCP Saver | Expanded Bronze | HMO | $484 | $150 | $10,150 | $15,963 | |
| Ambetter (Centene) | Everyday Gold + Vision + Adult Dental | Gold | HMO | $486 | $800 | $7,250 | $13,080 | |
| Ambetter (Centene) | Complete Gold | Gold | HMO | $488 | $1,450 | $7,500 | $13,355 | |
| Independence Blue Cross (PA) | Keystone HMO Silver Proactive Essential | Silver | HMO | $490 | $5,000 | $9,200 | $15,076 | |
| Independence Blue Cross (PA) | Personal Choice PPO Bronze | Expanded Bronze | PPO | $493 | $6,000 | $9,200 | $15,115 | |
| Highmark Blue Cross Blue Shield (PA) | my Blue Access PPO Bronze 9200 | Bronze | PPO | $498 | $9,200 | $9,200 | $15,176 | |
| Ambetter (Centene) | Complete Gold + Vision + Adult Dental | Gold | HMO | $500 | $1,450 | $7,500 | $13,500 | |
| Jefferson Health Plans | Jefferson Health Plans + Total + Silver + PPO | Silver | PPO | $509 | $4,900 | $10,600 | $16,706 | |
| Ambetter (Centene) | Complete Silver | Silver | HMO | $510 | $5,950 | $8,850 | $14,964 | |
| Independence Blue Cross (PA) | Keystone HMO Silver Proactive Basic | Silver | HMO | $510 | $2,500 | $9,200 | $15,325 | |
| Ambetter (Centene) | Focused Silver | Silver | HMO | $511 | $6,300 | $8,400 | $14,530 | |
| Jefferson Health Plans | Jefferson Health Plans + Balanced + Silver + PPO | Silver | PPO | $516 | $2,900 | $10,600 | $16,791 | |
| Ambetter (Centene) | Complete Silver + Vision + Adult Dental | Silver | HMO | $522 | $5,950 | $8,850 | $15,116 | |
| Ambetter (Centene) | Focused Silver + Vision + Adult Dental | Silver | HMO | $523 | $6,300 | $8,400 | $14,682 | |
| Jefferson Health Plans | Jefferson Health Plans + $0 Deductible + Silver + HMO | Silver | HMO | $527 | $0 | $10,600 | $16,923 | |
| Oscar Health | Gold Classic | Gold | HMO | $536 | $3,800 | $7,500 | $13,927 | |
| Independence Blue Cross (PA) | Keystone HMO Silver Basic | Silver | HMO | $540 | $5,500 | $9,000 | $15,480 | |
| Highmark Blue Cross Blue Shield (PA) | my Blue Access PPO Bronze 3800 | Expanded Bronze | PPO | $550 | $3,800 | $9,900 | $16,498 | |
| Jefferson Health Plans | Jefferson Health Plans + $0 Deductible + Silver + PPO | Silver | PPO | $557 | $0 | $10,600 | $17,286 | |
| Oscar Health | Gold Elite | Gold | HMO | $561 | $500 | $6,000 | $12,729 | |
| Highmark Blue Cross Blue Shield (PA) | my Blue Access PPO Bronze 3800 + Adult Dental and Vision | Expanded Bronze | PPO | $571 | $3,800 | $9,900 | $16,750 | |
| Independence Blue Cross (PA) | Keystone HMO Silver Proactive Lite | Silver | HMO | $582 | $2,000 | $9,200 | $16,181 | |
| Oscar Health | Gold Elite Saver Plus | Gold | HMO | $585 | $0 | $8,500 | $15,520 | |
| Independence Blue Cross (PA) | Keystone HMO Silver Proactive | Silver | HMO | $588 | $0 | $9,200 | $16,257 | |
| Oscar Health | Silver Simple PCP Saver | Silver | HMO | $611 | $5,750 | $9,800 | $17,133 | |
| Independence Blue Cross (PA) | Keystone HMO Gold Classic | Gold | HMO | $617 | $500 | $8,000 | $15,409 | |
| Oscar Health | Silver Classic | Silver | HMO | $618 | $5,600 | $8,900 | $16,315 | |
| Oscar Health | Silver Elite Saver Plus | Silver | HMO | $623 | $0 | $9,700 | $17,170 | |
| Independence Blue Cross (PA) | Keystone HMO Gold Proactive Value | Gold | HMO | $632 | $0 | $9,400 | $16,981 | |
| Highmark Blue Cross Blue Shield (PA) | my Blue Access PPO Gold 1700 HSA | Gold | PPO | $636 | $1,700 | $7,500 | $15,132 | |
| Highmark Blue Cross Blue Shield (PA) | my Blue Access PPO Gold 1500 | Gold | PPO | $648 | $1,500 | $8,300 | $16,076 | |
| Highmark Blue Cross Blue Shield (PA) | my Blue Access PPO Gold 1500 + Adult Dental and Vision | Gold | PPO | $669 | $1,500 | $8,300 | $16,328 | |
| Independence Blue Cross (PA) | Keystone HMO Silver Classic | Silver | HMO | $673 | $3,500 | $8,500 | $16,572 | |
| Independence Blue Cross (PA) | Keystone HMO Gold Proactive | Gold | HMO | $689 | $0 | $9,200 | $17,462 | |
| Highmark Blue Cross Blue Shield (PA) | my Blue Access PPO Gold 0 | Gold | PPO | $699 | $0 | $7,500 | $15,886 | |
| Independence Blue Cross (PA) | Personal Choice PPO Gold Classic | Gold | PPO | $704 | $1,250 | $9,200 | $17,643 | |
| Highmark Blue Cross Blue Shield (PA) | my Blue Access PPO Premier Gold 0 | Gold | PPO | $717 | $0 | $6,900 | $15,504 | |
| Independence Blue Cross (PA) | Personal Choice PPO Silver Classic | Silver | PPO | $718 | $3,500 | $8,250 | $16,872 | |
| Highmark Blue Cross Blue Shield (PA) | my Blue Access PPO Gold 0 + Adult Dental and Vision | Gold | PPO | $720 | $0 | $7,500 | $16,138 | |
| Highmark Blue Cross Blue Shield (PA) | my Blue Access PPO Premier Gold 0 + Adult Dental and Vision | Gold | PPO | $738 | $0 | $6,900 | $15,755 | |
| Independence Blue Cross (PA) | Keystone HMO Gold | Gold | HMO | $753 | $0 | $8,000 | $17,031 | |
| Highmark Blue Cross Blue Shield (PA) | my Blue Access PPO Silver 6000 | Silver | PPO | $802 | $6,000 | $8,600 | $18,222 | |
| Independence Blue Cross (PA) | Personal Choice PPO Gold | Gold | PPO | $843 | $0 | $8,250 | $18,363 | |
| Highmark Blue Cross Blue Shield (PA) | my Blue Access PPO Premier Silver 0 | Silver | PPO | $902 | $0 | $9,700 | $20,519 | |
| Independence Blue Cross (PA) | Personal Choice PPO Gold Preferred | Gold | PPO | $908 | $0 | $8,500 | $19,391 | |
| Highmark Blue Cross Blue Shield (PA) | my Blue Access PPO Premier Silver 0 + Adult Dental and Vision | Silver | PPO | $923 | $0 | $9,700 | $20,771 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $297 | $426 | $571 | 23 | $7,450 | $10,000 | $15,027 |
| Silver | $455 | $540 | $923 | 23 | $4,900 | $9,200 | $16,315 |
| Gold | $406 | $617 | $908 | 27 | $500 | $8,250 | $15,873 |
| CatastrophicUnder 30 or hardship exemption only | $393 | $398 | $404 | 2 | $10,600 | $10,600 | $15,382 |
* Typical = median: half of plans cost less, half cost more. ** Bad year = 12 months of premium + the plan's in-network out-of-pocket maximum (median across plans). Out-of-network care and non-covered services are extra.