Individual Health Insurance for Family of Three

Finding health coverage for two adults and a child should feel manageable, not overwhelming. Philadelphia Life and Health helps your family compare individual plan options, understand premiums, deductibles, provider networks, and prescription coverage, and select protection that supports your care needs and household budget. Get clear guidance for enrollment and dependable support after your plan begins.

Parents reviewing health insurance options with their child

Our Family Health Insurance Services

Personalized guidance to compare coverage, enroll confidently, and manage your family’s individual health plan.

Family Plan Comparisons

Compare individual and family health plan options based on monthly premium, deductible, provider network, prescription needs, and anticipated care for two adults and one child.

Enrollment Guidance

Receive clear support through plan selection and enrollment, including help reviewing available coverage choices and completing the information needed to secure your family’s policy.

Year-Round Plan Support

Get ongoing assistance after enrollment with questions about your coverage, renewal decisions, and changes that may affect your family’s health insurance needs.

Personalized Plan Guidance

Coverage That Fits Your Family

A family of three needs coverage that balances routine care, unexpected illness, prescriptions, and a realistic monthly budget. Philadelphia Life and Health provides independent guidance to help you compare available individual health insurance plans without losing sight of the details that matter: deductible exposure, network access, copays, and benefits for every family member. We make the choices clearer so you can enroll with confidence.

Insurance advisor helping parents compare family health plans
The Local Difference

Why Choose Philadelphia Life and Health?

Independent advice and attentive support for important coverage decisions.

Independent Guidance

Compare multiple carrier and plan options with objective guidance tailored to your household.

Since 2002

Draw on more than two decades of insurance advisory experience and local client support.

Year-Round Support

Receive help beyond enrollment with coverage questions, renewals, and changing family needs.

Nationwide Licensing

Work with an agency licensed in all 50 states for broader coverage guidance.

Meet Our Insurance Team

Personal guidance from an experienced, independent advisory team.

Portrait of Adam Peltzman, team member at Philadelphia Life and Health

Adam Peltzman

Adam Peltzman is a valued member of the Philadelphia Life and Health team, contributing to the firm's mission of delivering independent, high-touch employee benefits guidance to businesses and individuals across the greater Philadelphia region. As part of a locally owned and independently operated agency, Adam works closely with clients to help simplify the complexities of health insurance, group benefits, and ongoing plan administration. He is committed to providing personalized service that goes beyond open enrollment, supporting clients with plan selection, enrollment assistance, and year-round account management. Adam's dedication to client advocacy reflects the company's core values of independent expertise and dedicated local service, ensuring that every business and family he works with receives thoughtful, reliable support.

Portrait of Barbara Bonini, team member at Philadelphia Life and Health

Barbara Bonini

Barbara Bonini is part of the dedicated team at Philadelphia Life and Health, an independent employee benefits and insurance advisory firm serving the greater Philadelphia region since 2002. Barbara supports the company's mission of helping small and mid-sized businesses, individuals, and families find affordable, quality health and life insurance solutions. Working within a locally owned agency, she helps clients navigate benefits administration, enrollment, and renewal strategy with a personal touch that larger call-center brokers cannot match. Barbara's focus on client advocacy and cost management aligns with the firm's commitment to being more than a broker, but a long-term partner. She takes pride in delivering attentive, year-round service to the businesses and families she assists throughout Pennsylvania.

Portrait of Noah Glassman, Senior Partner at Philadelphia Life and Health

Noah Glassman

Senior Partner

Noah Glassman is a Senior Partner at Philadelphia Life and Health, bringing extensive experience to the firm's employee benefits and insurance advisory practice. Since entering the insurance industry in 2007, Noah has held roles at major organizations including AIG, Cigna, and Independence Blue Cross, giving him a well-rounded understanding of carrier operations, plan design, and claims processes. He specializes in building deep, lasting relationships with small businesses and local clients throughout the greater Philadelphia region, helping them navigate group health insurance, benefits administration, and compliance with confidence. Noah's carrier background allows him to provide objective, informed guidance across multiple plan options, ensuring clients receive coverage tailored to their needs. His commitment to personalized, long-term partnership reflects the company's core values of independent expertise and dedicated local service.

Portrait of Jenielle Powell, team member at Philadelphia Life and Health

Jenielle Powell

Jenielle Powell is a member of the Philadelphia Life and Health team, contributing to the firm's ongoing mission of delivering personalized employee benefits and insurance guidance to businesses and individuals throughout the greater Philadelphia region and Pennsylvania. She supports the company's client-focused service model, which includes plan selection, employee enrollment assistance, and claims advocacy for small and mid-sized businesses with 2 to 200 employees. Jenielle helps clients navigate the often complex world of health insurance and benefits administration, ensuring they receive clear, accessible guidance throughout the year, not just during open enrollment. Her role supports the firm's broader commitment to reducing administrative burden for clients through comprehensive benefits, HR, and compliance support delivered with a local, hands-on approach.

Portrait of Diane Donatelli, team member at Philadelphia Life and Health

Diane Donatelli

Diane Donatelli is part of the experienced team at Philadelphia Life and Health, a locally owned employee benefits and insurance advisory firm serving the greater Philadelphia region since 2002. Diane assists clients with navigating health insurance, group benefits, and ongoing plan support, helping businesses and families find coverage that balances quality and affordability. As part of a firm licensed in all 50 states, she helps extend the company's reach while maintaining the local, personal service that sets it apart from larger, impersonal brokers. Diane's work reflects the company's dedication to employee advocacy and cost management, ensuring clients receive attentive support with plan selection, enrollment, and renewal strategy long after the initial sign-up process is complete.

Portrait of Peachy Colleluori, team member at Philadelphia Life and Health

Peachy Colleluori

Peachy Colleluori is a member of the Philadelphia Life and Health team, helping deliver the firm's high-touch approach to employee benefits and insurance advisory services throughout Philadelphia and East Norriton, Pennsylvania. Peachy supports clients ranging from small businesses to individuals and families seeking health and life insurance solutions, working within the company's model of year-round, hands-on service. Her contributions help clients manage benefits administration, HR support, and enrollment processes with the ease and clarity that larger institutions often lack. Peachy's commitment to responsive, local service reflects the firm's core values of personalized service and ongoing support, helping ensure that every client feels confident in the coverage and guidance they receive.

Portrait of Jonathan Pedone, team member at Philadelphia Life and Health

Jonathan Pedone

Jonathan Pedone is part of the dedicated team at Philadelphia Life and Health, an independent employee benefits and insurance advisory firm serving businesses and individuals across the greater Philadelphia region. Jonathan helps clients navigate group health insurance, Medicare options, and individual and family coverage, supporting the company's mission of finding sustainable, affordable solutions for every client. He contributes to the firm's comprehensive service model, which includes benefits administration, compliance support, and renewal strategy designed to control costs over time. Jonathan's work reflects the company's commitment to being more than a broker, serving as a long-term partner to the businesses and families he supports throughout Pennsylvania and beyond.

Portrait of Laura Wick, team member at Philadelphia Life and Health

Laura Wick

Laura Wick is a valued team member at Philadelphia Life and Health, supporting the firm's mission to provide independent, personalized employee benefits guidance to businesses and individuals in the greater Philadelphia region. Laura assists clients with health insurance enrollment, group benefits administration, and ongoing support throughout the plan year, helping ensure a smooth experience from initial selection through renewal. Her work supports the company's broader goal of reducing administrative burden for small and mid-sized businesses by combining benefits, HR, and payroll support under one roof. Laura's attentive, client-first approach reflects the firm's core values of dedicated local service and employee advocacy, helping clients feel supported well beyond open enrollment season.

Portrait of Zachary Ritz, team member at Philadelphia Life and Health

Zachary Ritz

Zachary Ritz is part of the Philadelphia Life and Health team, contributing to the firm's independent employee benefits and insurance advisory services for businesses and individuals throughout Pennsylvania and the greater Philadelphia region. Zachary helps clients explore group health plans, ICHRA options, and individual coverage, supporting the company's goal of delivering objective guidance across multiple carriers. He plays a role in the firm's comprehensive approach to benefits administration, helping businesses manage compliance, enrollment, and renewal strategy with confidence. Zachary's commitment to responsive, local service reflects the company's values of independent expertise and ongoing year-round support, ensuring clients receive the attention and guidance they need at every stage of their coverage.

Frequently Asked Questions

What is the average cost of health insurance for a family of 3 in the US?

There is no single average that accurately predicts what a family of three will pay. Premiums vary by state, county, ages, plan metal level, carrier, tobacco use, and whether the household qualifies for Marketplace premium tax credits. When comparing plans, look beyond the monthly premium at the deductible, copays, out-of-pocket maximum, provider network, and prescription coverage to estimate total annual costs.

How much is health insurance for a family of 3 in Florida?

What should a family of three look for in a health insurance plan?

Can my child be included on an individual health insurance plan?

When can a family enroll in individual health insurance?

Are subsidies available for family health insurance?

What is the difference between a deductible and an out-of-pocket maximum?

Can I keep my family’s current doctors when changing plans?

Need Help Comparing Family Plans?

Talk with our team about coverage choices for your household.

Trusted Coverage Guidance

Awards and Recognition

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Licensed Nationwide

Licensed to serve clients in all 50 states.

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Independent Advisory

Objective support across multiple carrier options.

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Established Since 2002

More than two decades of client-focused guidance.

Find the Right Coverage for Your Family

Tell us about your household’s healthcare needs, budget, and coverage priorities. Our team will help you review individual health insurance options with clarity.

Contact Us Today

For immediate assistance, feel free to give us a direct call at (844) 758-7879. You can also send us a quick email at group@philalifeandhealth.com.