🩺 Health insurance cost in Philadelphia, PA (2026)
Estimated average: $528 per month — -6% vs. the U.S. average of $560.
$528
Est. health insurance in Philadelphia
per month
$504
Pennsylvania average
$560
U.S. average
1,550,542
Population
Estimate your health insurance in Philadelphia
Philadelphia health insurance estimator
Estimated$396/month
Starts from the Philadelphia estimate. Get quotes to confirm your price.
Philadelphia health insurance FAQ
How much is health insurance in Philadelphia, PA?
The estimated average is $528 per month — above the state average (+5% vs. the Pennsylvania average of $504, and -6% vs. the U.S. average).
Is health insurance more expensive in Philadelphia than elsewhere in Pennsylvania?
Philadelphia has about 1,550,542 residents. Larger metro areas usually see higher rates due to traffic density, claim frequency, and repair costs. Compare nearby cities in the chart above.
How do I get the cheapest health insurance in Philadelphia?
Compare at least three quotes from insurers active in Philadelphia, ask about local discounts, and re-shop yearly. Use the calculator to estimate your own price first.