Health Insurance Philadelphia: Pennie Plans, Licensed Agents, Free Quotes

Health insurance Philadelphia households can rely on begins with an honest side-by-side quote. We are a licensed, independent agency, so Philadelphia health insurance plans from 50+ carriers sit side by side. You pay nothing for our help.

Philadelphia is Pennsylvania's largest city and a national hub for hospitals and universities. Even so, many Philly health insurance shoppers buy coverage on their own. Call 888-730-6001 and a licensed agent will check your doctors, budget and savings.

  • County: Philadelphia County, a consolidated city-county
  • Population: about 1.57 million residents, the sixth-largest U.S. city
  • Uninsured under 65: about 8 percent of residents
  • Major hospitals: Penn Medicine, Jefferson, Temple, Children's Hospital of Philadelphia
  • Coverage we shop: Pennie plans, short-term, dental, vision, life and cash-benefit plans

Want to compare Philadelphia health plans now? Request your free Philadelphia quote or call 888-730-6001 for health insurance Philadelphia help.

Why Philadelphia Residents Choose Vivna

Finding health insurance Philadelphia families can afford got harder when the enhanced federal tax credits expired. According to Pennie, premiums roughly doubled for many people who kept the same plan. As a result, smart shopping matters more than ever for Philly health insurance buyers.

A licensed agent can find the savings you still qualify for. As a U.S. Chamber of Commerce member, Vivna also holds an A+ rating from the BBB. Questions are free at 888-730-6001.

Your Licensed Pennsylvania Agent Team

Licensed agent: Heather Sprague, Owner and Agent of Record, NPN 19086819

Vivna Inc. agency NPN 19168641

Licensed in Pennsylvania and across 48 states, with 50+ carrier appointments

Office: 810 SE 8th Ave, Suite A, Deerfield Beach, FL 33441

Hours: Monday to Friday, 9 a.m. to 6 p.m. Eastern

Local Carriers Side by Side

We compare carriers such as Ambetter, Oscar and Independence Blue Cross where they serve your ZIP code. That way, you see Philadelphia County health coverage choices together.

No Extra Cost

Agent help is free. In addition, your premium matches what you would pay through Pennie or the carrier.

Book Your Free Philadelphia Plan Review

Hand us the legwork on health insurance Philadelphia choices. Call 888-730-6001 or start a free online quote.

Philadelphia Health Insurance Options

Health insurance Philadelphia residents choose usually lands in one of the groups below. Each fits a different budget, timeline and health need. Here is how every option works for Philadelphia health plans. In fact, most Philly health insurance buyers mix two or more of them.

Pennie Marketplace Plans

Pennsylvania runs its own exchange, called Pennie, instead of HealthCare.gov. Pennie plans cover pre-existing conditions and all essential health benefits. Also, Pennie says about 4 in 5 enrollees still qualify for some savings.

  • Pennie's current shopping window: November 1 through January 15
  • Apply early for a January 1 start
  • Bronze plans now qualify for an HSA

Learn more on our ACA health plans page and in our EPO vs. POS plan guide.

Short-Term Health Insurance

Short-term plans from UnitedHealthcare can cover a brief gap. However, Pennsylvania still limits these plans to three months, plus an optional renewal of up to one month. Because of that limit, they work best for very short gaps. In Pennsylvania, short-term plans last up to 3 months; ask an agent about current options.

  • Coverage can start quickly
  • Health questions on the application
  • Prior health conditions may not be covered

Read more on our short-term coverage page, or call 888-730-6001 to compare.

Dental, Vision, Life and Supplemental Plans

Medical Assistance and CHIP

Pennsylvania expanded Medicaid, called Medical Assistance, to adults up to 138 percent of the poverty level. Meanwhile, CHIP covers uninsured children under 19 at free or low cost. New federal work rules and six-month renewals are coming for many adults.

What Philadelphia Coverage Costs

Your price depends on age, income, tobacco use and plan tier. Also, Pennsylvania insurers raised rates about 16 percent on average for the coming year. Above 400 percent of the poverty level, tax credits now stop.

Household sizeMedicaid line (138% FPL)Tax credit cliff (400% FPL)
1 person$22,025$63,840
Family of 4$45,540$132,000

Over the cliff? Then read our guide to coverage options without subsidies. Otherwise, an agent can price both paths for you.

Find Your Best Fit

Unsure which health insurance Philadelphia option fits? Call 888-730-6001 and we will line them up for you. Or request a free quote online.

Philadelphia Hospitals, Networks and Doctors

Few cities have as many big health systems as Philadelphia. Still, health insurance Philadelphia patients buy may cover only some of them. So, we compare Philadelphia health plans against your doctors before you enroll.

Many Pennie plans use HMO or EPO networks. In those Philly health insurance plans, out-of-network care is usually not covered. Ask an agent at 888-730-6001 to confirm your providers first.

Penn Medicine

Penn Medicine runs the Hospital of the University of Pennsylvania, Penn Presbyterian and Pennsylvania Hospital. Pennsylvania Hospital is known as the nation's first hospital. Access differs by plan, so we check each one by name.

Jefferson and Temple Health

Jefferson runs Thomas Jefferson University Hospital, Einstein Medical Center and Jefferson Health Northeast. Likewise, Temple University Hospital and Fox Chase Cancer Center serve North Philadelphia and beyond.

Children's Hospital of Philadelphia

Parents usually ask about CHOP first. Because specialty care matters for kids, confirm CHOP coverage before you pick a family plan. After all, Philadelphia County health coverage for children should include the right specialists.

Check Your Doctors in Minutes

Use our carrier network search tools to look up any provider. Next, see how networks affect your costs. Then call 888-730-6001 so we can match health insurance Philadelphia plans to your doctors.

Health Insurance Philadelphia Workers Need

Philadelphia's economy leans on hospitals, universities, biotech, the port and tourism. Yet plenty of workers still need health insurance Philadelphia employers do not offer. Freelancers, drivers and restaurant staff often buy Philly health insurance themselves.

Fortunately, you have more choices than you may think. Talk them through with an agent at 888-730-6001.

Hospital, University and Biotech Workers

Contract researchers, adjunct faculty and per-diem staff often lack full benefits, even inside big systems. If you leave a job, our COBRA vs. Marketplace guide compares both paths.

Port, Warehouse and Delivery Workers

PhilaPort and nearby warehouses employ many shift workers. For seasonal or rotating schedules, our seasonal worker coverage guide explains your options.

Freelancers and Small Business Owners

From Fishtown designers to South Philly contractors, many residents work for themselves. Our freelancer coverage guide shows how to estimate income for Pennie savings.

Immigrant Families

About 15 percent of residents were born abroad. Therefore, immigration status now matters for savings. From the coming plan year, tax credits go only to citizens and certain lawfully present groups. Green card holders still qualify.

Coverage That Fits Your Work

Whatever your schedule, we can build a plan around it. Call 888-730-6001 or get free Philadelphia County health coverage quotes for health insurance Philadelphia help.

Health Insurance Philadelphia FAQs

Most health insurance Philadelphia questions about Philadelphia health plans fall into the topics below. For statewide topics, visit our Pennsylvania coverage questions library. Or call 888-730-6001 during business hours.

Do I buy through Pennie or HealthCare.gov in Philadelphia?

Pennie. Since Pennsylvania left HealthCare.gov, it runs its own exchange. So, tax credits for Philadelphia residents only come through Pennie.

I live in Philadelphia but work in New Jersey. Where do I buy?

Buy where you live, which means Pennie. Your work state does not matter for individual plans. Still, check that your doctors near work are in network, since many plans only cover local providers.

Can I keep my Penn Medicine or Jefferson doctors?

Often, but it depends on the plan. Networks change each year. Therefore, an agent should confirm each doctor by plan name.

Is CHOP covered by Pennie plans?

Some plans include CHOP and others limit it. Before choosing a family plan, check CHOP by name with an agent.

Can my kids get CHIP in Philadelphia?

Yes, if they are under 19, uninsured and not eligible for Medical Assistance. CHIP is free or low-cost and includes dental, vision and hearing care.

What if I lose Medical Assistance under the new work rules?

Pennie says people denied for the work rules generally cannot get Pennie savings. In that case, compare full-price and short-term options with an agent.

Can I work with Vivna if I live in Philadelphia?

Definitely. Vivna is licensed in Pennsylvania and works with Philadelphians by phone and online. You skip SEPTA and parking, yet keep local plan know-how.

Still Have a Philadelphia Question?

Our licensed agents answer Philly health insurance questions for free. Call 888-730-6001 or send us your quote request about health insurance Philadelphia coverage.

Health Insurance Philadelphia Tips and Guides

Good research makes health insurance Philadelphia decisions easier. These guides explain Philadelphia health plans, costs and timing in plain language. Questions as you read? Call 888-730-6001.

Pennsylvania and Nearby City Guides

Plan and Cost Guides

Turn Research Into a Real Quote

Reading helps, but a quote shows your real Philadelphia County health coverage price. That way, you decide with real numbers. Call 888-730-6001 or request your free price check today.

More Pennsylvania City Guides

Live near the city line or work in another town? Compare health insurance Philadelphia options with these other Pennsylvania city guides. Each one covers local hospitals, county programs and the plans sold there.

Statewide help: the Pennsylvania health insurance guide and our Pennsylvania health insurance questions and answers.

Questions? Talk With a Licensed Philadelphia Agent

Health insurance Philadelphia choices feel simpler with a real person on the phone. Plus, our help with Philly health insurance and Philadelphia health plans never costs a dime. First, you call or send a quote request. Next, an agent compares plans for your ZIP code. Finally, you choose and enroll with no pressure.

Pennie's shopping window is set to open November 1, though dates may still shift. Reach a licensed agent at 888-730-6001 on weekdays, 9 a.m. to 6 p.m. Eastern.

Official Philadelphia and Pennsylvania Resources

Start Your Free Philadelphia Quote

Vivna Insurance, 810 SE 8th Ave, Suite A, Deerfield Beach, FL 33441 (Vivna Inc. agency NPN 19168641). Call 888-730-6001 or request your free quote for health insurance Philadelphia plans now.