ACA health insurance in Pennsylvania
ACA health insurance in Philadelphia, PA: open enrollment for 2027
Open enrollment for 2027 begins November 1. Where Philadelphia residents shop for a plan, what the county and state lines mean for you, and how to get help choosing.
Get help choosing a plan in Philadelphia
Call 855-367-1095. A licensed agent will go through your household, your income and your doctors with you.
Health insurance in Philadelphia
Pennsylvania runs its own marketplace, Pennie, so Philadelphia residents shop there rather than on HealthCare.gov.
If you live in Philadelphia but work in New Jersey, or the reverse, tell the agent. Which state you live in decides which marketplace you use.
Philadelphia is in Philadelphia County, Pennsylvania. Where you live decides which plans and prices you can get, because plan availability is set by county and ZIP code.
County and state lines near Philadelphia
Philadelphia County borders Montgomery, Bucks and Delaware counties in Pennsylvania and, across the river, Camden County in New Jersey. Plan availability and networks can change at the county or state line.
Check the networks
Marketplace plans have their own networks, and they differ from one plan to the next. These are among the largest systems serving the area. Naming them here is not a statement that any plan includes them.
- Penn Medicine
- Jefferson Health
- Temple Health
- Main Line Health
- Children's Hospital of Philadelphia
The dates
Open enrollment for 2027 coverage begins November 1, 2026. Plans and prices for 2027 can differ from this year, and after open enrollment you can usually enroll only with a qualifying life event.
ACA questions in Philadelphia
Where do I shop for an ACA plan in Philadelphia?
Pennsylvania runs its own marketplace, Pennie, so Philadelphia residents shop there rather than on HealthCare.gov.
Do county or state lines near Philadelphia change my options?
Philadelphia County borders Montgomery, Bucks and Delaware counties in Pennsylvania and, across the river, Camden County in New Jersey. Plan availability and networks can change at the county or state line.
I live in Philadelphia and work in New Jersey. Which marketplace do I use?
The state where you live decides which marketplace you use. If you live in Philadelphia, you shop on Pennie, even if you work in New Jersey. If you move across the river, that changes.
More for Philadelphia
Ready to look at your options?
Call 855-367-1095 before open enrollment gets busy. There is no charge to review your options.
- Licensed insurance help
- No guaranteed eligibility, pricing, or availability
- Educational starting point
Information on this site is educational and does not guarantee eligibility, enrollment, pricing, or availability. It is not a recommendation to buy any specific plan or policy.