How Much Does Health Insurance Cost in Philadelphia, PA?
Monthly health insurance premium for individuals. Updated March 2026 with data from BLS, U.S. Census Bureau, and industry surveys.
Typical Cost Range
$408 – $816
+2% vs national average
$408$612$816
LowNational avg: $600High
Philadelphia vs State & National Average
| Category | Philadelphia | Pennsylvania Avg | National Avg |
|---|---|---|---|
| Average cost | $612 | $611 | $600 |
| Low estimate | $408 | $458 | $450 |
| High estimate | $816 | $794 | $780 |
Detailed Cost Breakdown
| Item | Low | High | |
|---|---|---|---|
| Low estimate | $400 | $480 | |
| Average | $540 | $660 | |
| High estimate | $640 | $800 |
Health Insurance in Nearby Cities
Frequently Asked Questions
How much does health insurance cost in Philadelphia?
In Philadelphia, PA, health insurance typically costs between $408 and $816. The average is $612, which is 2% above the national average.
Is Philadelphia expensive for health insurance?
Philadelphia has a cost-of-living index of 102 (100 = national average). Health Insurance costs are 2% higher than the national average of $600.
What factors affect health insurance costs in Philadelphia?
Key factors include local labor costs, cost of materials, market competition, Pennsylvania state regulations, and Philadelphia's overall cost of living (index: 102/100). Prices can also vary by season and specific requirements.