Philadelphia, Pennsylvania residents can enroll in any one of the 68 affordable Individual health plans offered. In Philadelphia, the insurance carriers that offer the most Individual health plans to choose from are Ambetter, Oscar, and Independence Blue Cross. In total, there are 3 insurance companies providing comprehensive Individual plans. There are 2 Bronze plans, 39 Silver plans, 13 Gold plans and 2 Plantium plans available in Philadelphia.
For those who have a doctor who is out-of-network, you can enroll in one of the 3 Preferred Provider Organization(PPO) plans. You can enroll in one of the 61 Health Maintenance Organization(HMO) plan if you want if lower costs are most important and you don't mind using a Primary Care Physician (PCP). The lowest deductible Individual health plan is the Ambetter Balanced Care 207 (2021) plan from Ambetter, at a $360.20 monthly cost to you.
Living on a fixed income will not be a problem as premium tax credit can lower your cost if you and your families are qualify. The carrier with the largest selection of Individual plans in Philadelphia, Pennsylvania is Ambetter, which offers 61 plans with Health Maintenance Organization(HMO) network and 3 Preferred Provider Organization(PPO) network plans.
If you select Independence Blue Cross as your Individual provider, you’ll have access to over 1675 participating doctors in Philadelphia. Ambetter has over 3 doctors in their network. Individual enrollees that need to see a specialist in Philadelphia are in luck, as the city has over 673 doctors specializing in pediatrics, over 653 internal medicine specialists, and over 252 psychiatry & neurology specialists who accept Individual health plans.