Before subsidies, the average benchmark silver plan for a 40-year-old in Pennsylvania costs $648 a month for 2027 (the national average is $704). Premium tax credits bring that down for many households, depending on income and family size.
If you want someone to shop the Pennsylvania market for you, a broker is the usual route. The 12 offices below sit closest to Philadelphia and list themselves as brokers or independent agencies, which typically means access to more than one insurer.
Health Insurance Brokers near Philadelphia
Licensed agents can compare plans available in Philadelphia County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540Local health care in Philadelphia
- Philadelphia's three big academic networks worth checking before you pick a plan are Penn Medicine (Hospital of the University of Pennsylvania, Pennsylvania Hospital, Penn Presbyterian), Jefferson Health (Thomas Jefferson University Hospital, Jefferson Einstein Philadelphia) and Temple Health (Temple University Hospital, Chestnut Hill Hospital). Source
- Jefferson Health's flagship in the city is Thomas Jefferson University Hospital in Center City. Source
- Temple Health's main hospital is Temple University Hospital in North Philadelphia. Source
- Philadelphia is both a city and a county, and its public health services come from the City of Philadelphia Department of Public Health. Source
Before you choose a plan, check that the hospitals and doctors you use are in its network. An agent can look that up for each plan you compare.
Do brokers cost more?
No. Health insurers pay brokers a commission that's already part of the premium. You pay the same price for a plan whether you buy it yourself or through a broker.
Broker or agent: what's the difference?
A captive agent sells one company's plans. An independent agent or broker is appointed with several insurers and can compare them. In everyday use the words overlap, so ask any office which carriers it can quote in Pennsylvania.
What a broker can compare for you
Premiums, deductibles and out-of-pocket maximums; which doctors and hospitals are in each network; whether your prescriptions are covered; and whether you qualify for a premium tax credit.
Carriers a Philadelphia broker can quote
For 2027, marketplace plans in Pennsylvania come from 9 insurers: Highmark (Highmark Inc. / Highmark Benefits Group), Independence Blue Cross (Keystone Health Plan East / QCC), Capital Blue Cross (Capital Advantage Assurance), Geisinger (Geisinger Health Plan / Geisinger Quality Options), UPMC Health Plan (UPMC Health Plan / UPMC Health Network), Jefferson Health Plans (Health Partners Plans), Ambetter Health of Pennsylvania, Oscar Health and Partners Insurance Company. Not every insurer sells in every county. An independent broker appointed with several of them can compare prices and networks side by side.
A quick checklist
- Have a realistic estimate of next year's household income; subsidies are based on it.
- Ask each agent which carriers they can quote in your county.
- Compare total yearly cost (premiums plus deductible), not just the monthly premium.
- Make a list of your doctors, hospitals and prescriptions before you call anyone.
Checking an agent's license in Pennsylvania
- The Pennsylvania Insurance Department links consumers to a search for licensed insurance companies, producers and agents, run through the Sircon platform. It lets you confirm that an agent or broker holds a Pennsylvania license. Source
- The Pennsylvania Insurance Department licenses insurance producers and regulates insurance companies in the state. Its consumer help center offers tools to research complaints and enforcement actions against insurers and licensees. Source
Frequently asked questions
Is there a fee to use a broker?
Most health insurance brokers charge nothing to individuals and families; the insurer pays them. Ask up front if you're unsure.
How do I find a good health insurance broker in Philadelphia?
Look for a broker licensed in Pennsylvania who can quote several carriers, is certified with the Pennie, and has reviews from local clients. You can verify any license with the Pennsylvania insurance regulator.
Can a broker help me get a subsidy?
Yes. Brokers certified with the marketplace can estimate your premium tax credit and enroll you in a subsidized plan.
Brokers in nearby cities
- Camden, NJ 5 miles
- Palmyra, NJ 5 miles
- Wyndmoor, PA 6 miles
- Glenside, PA 7 miles
- Collingswood, NJ 7 miles
- Penn Wynne, PA 7 miles
- Oreland, PA 8 miles
- Gloucester City, NJ 8 miles
- Cherry Hill Mall, NJ 8 miles
- Yeadon, PA 8 miles