Individual Health Insurance Plans in Philadelphia and Our 12-State Service Area
Finding the right individual health insurance plan can be overwhelming, especially with so many carriers, networks, and coverage options available. The Medicare Mensch helps people in Philadelphia, across Pennsylvania, and in our 11 licensed states compare plans, understand their benefits, and enroll with confidence—whether you’re buying coverage for the first time or switching from a previous policy.
Who Needs an Individual Health Insurance Plan?
People without employer-sponsored coverage
Early retirees not yet eligible for Medicare
Adults aging off their parents’ health plans at 26
Anyone between jobs or in a coverage gap
People seeking a more tailored plan than what’s offered through work
Where You Can Get Coverage
01.
ACA Marketplace Plans
Affordable Care Act-compliant plans, with potential subsidies based on income
02.
Off-Marketplace Plans
Direct-from-insurer plans that may have unique networks or benefits
03.
Short-Term Plans
Temporary solutions while transitioning between jobs or coverage options
04.
Catastrophic Plans
Lower-cost coverage for people under 30 or those with a hardship exemption
Choosing the Right Plan
We help you evaluate:
Monthly premiums vs. out-of-pocket costs
Deductibles and copays
Provider and hospital networks (including local Philadelphia systems like Jefferson, Penn Medicine, and Temple Health)
Prescription drug coverage and formularies
Telehealth and virtual care benefits
Philadelphia and Regional Insights
Health insurance availability and pricing can vary by ZIP code—even within the same city. If you live in Philadelphia but work in New Jersey or Delaware, we’ll ensure your coverage works seamlessly across state lines.
Common Questions About Individual Health Plans
Can I switch plans mid-year?
Only with a qualifying life event unless it’s during Open Enrollment.
Do all plans cover prescriptions?
ACA-compliant plans do, but coverage levels differ.
How do subsidies work?
They’re based on income and family size and can be applied directly to your premium.
Get Expert Help Choosing Your Plan
Schedule a free consultation today. We’ll compare your options side-by-side, explain the fine print in plain language, and handle the enrollment so you can feel confident in your coverage.