Individual & Family Health Insurance Plans in Philadelphia and Beyond
Not everyone gets health insurance through an employer. Whether you’re self-employed, between jobs, or buying coverage for your family, The Medicare Mensch is here to help. From Pennie marketplace plans in Pennsylvania to ACA-compliant coverage in our other licensed states, we guide you through your options so you can get affordable, reliable health insurance—without the guesswork.
Who Needs Under-65 Health Insurance?
We work with people from all walks of life:
01.
Self-employed and 1099 workers
Without job-based coverage
02.
Young families
Needing protection for every stage of life
03.
Recent college grads
Aging off their parents’ plans
04.
Early retirees
Not yet eligible for Medicar
05.
Anyone without employer-sponsored insurance
Your Coverage Options
Health insurance plans for individuals and families vary by state, income, and healthcare needs. We help you explore:
ACA Marketplace Plans
Available through Pennie in Pennsylvania and healthcare.gov in other states
Off-Marketplace Plans
Offered directly by insurers, sometimes with different networks and benefits
Catastrophic Coverage
Lower-cost plans for people under 30 or those with a hardship exemption
Short-Term Plans
Temporary coverage between jobs or before major life transitions
Pennie – Pennsylvania’s Health Insurance Marketplace
For Pennsylvania residents, Pennie offers ACA-compliant plans with potential subsidies based on income. As a Pennie-certified broker, we make sure you don’t miss out on financial help that could significantly lower your monthly premiums.
For Families
Family health insurance is about more than covering doctor visits—it’s about peace of mind for parents. We’ll review your preferred pediatricians, OB/GYNs, and hospitals, and match them to plans that keep your providers in-network.
For Self-Employed & 1099 Workers
Freelancers, contractors, and small business owners have unique insurance needs. We specialize in helping self-employed Philadelphians—and clients across our 12-state service area—find coverage that balances cost with quality care.
Why Work With The Medicare Mensch?
Access to multiple carriers and plan types—not just one company’s options
Clear, jargon-free explanations of premiums, deductibles, and coverage rules
Help with enrollment, subsidies, and renewals year after year
Nearly 50 five-star reviews from clients who value our personal approach
Your Next Step
Schedule a free consultation to review your health insurance options. We’ll compare plans side-by-side, explain your benefits in plain language, and help you enroll—so you can focus on your health, not the paperwork.