Open Access Health Insurance Plans

Explore open access health insurance plans with Philadelphia Life and Health and get guidance that makes provider choice, premiums, and benefits easier to understand. Our independent advisors help individuals, families, and employers compare coverage options across carriers, evaluate network flexibility, and select practical protection that supports everyday care as well as unexpected medical needs.

Advisor reviewing open access health insurance options

Our Open Access Plan Services

Compare flexible health coverage options with guidance for individuals, families, and employers.

Individual & Family Coverage

Compare individual and family health insurance options with attention to provider access, covered services, monthly premiums, deductibles, and the everyday healthcare needs of everyone on the plan.

Small Group Coverage

Help your business evaluate small-group health insurance plans that balance employee access to care, network options, benefit value, and sustainable employer costs.

IBX Plan Options

Review Independence Blue Cross plan options to better understand available networks, benefits, and costs, then choose coverage aligned with your healthcare preferences and budget.

Flexible Plan Guidance

More Choice in Your Healthcare Coverage

An open access health insurance plan can give members broader freedom to seek care within a plan’s network and, depending on the plan design, obtain specialist care without a referral. Philadelphia Life and Health provides objective guidance across multiple carriers, helping you compare provider access alongside premiums, deductibles, copays, prescription coverage, and out-of-network rules before you enroll.

Health insurance advisor explaining provider network choices
The Local Difference

Why Choose Philadelphia Life and Health?

Independent advice and attentive support for important health coverage decisions.

Independent Advice

Compare multiple carrier options with objective guidance focused on your coverage priorities and budget.

Year-Round Support

Receive help with enrollment, claims advocacy, plan questions, and renewal strategy beyond open enrollment.

Philadelphia-Area Service

Get hands-on support from a locally owned team with Philadelphia and East Norriton offices.

National Licensing

Licensed in all 50 states, the team can support coverage needs across changing locations.

Meet Our Benefits Team

Experienced advisors delivering personal, year-round insurance guidance.

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 best AHCCCs plan?

AHCCCS is Arizona’s Medicaid program, so the best plan depends on your Arizona county, eligibility category, preferred doctors, medications, and required benefits. Members should compare the plans available in their service area, confirm that important providers participate, and review prescription formularies and member support. Open access commercial health plans are different from AHCCCS managed-care plans and follow separate network rules.

What type of insurance plan is open access?

Do open access plans require referrals to see specialists?

Can I keep my current doctor with an open access plan?

Are open access health plans more expensive?

What should I compare when choosing an open access health plan?

When can I enroll in an individual open access plan?

Can employers offer open access coverage to employees?

Still Have Questions About Coverage?

Speak with an advisor for clear, personalized plan guidance.

Trusted Plan Support

Awards and Recognition

All-state licensing trust indicator

All-State Licensing

Licensed to support clients in all 50 states.

Independent guidance trust indicator

Independent Guidance

Objective support across multiple carrier options.

Year-round support trust indicator

Year-Round Support

Help extending beyond annual enrollment periods.

Find Coverage That Fits Your Needs

Tell us about your healthcare priorities, preferred providers, and budget. An advisor will help you understand your available plan options and next steps.

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.