The Pennsylvania Department of Insurance has a good set of data for the plans that they approved with final rates. It is sorted by county, issuer, metal level and price for the 21 year old non-smoker.
Philadelphia is a very large market with very limited competition. There are two insurers offering a total of three Silver on-Exchange plans.
It looks like Philadelphia County will see a Silver Gap strategy in effect for 2017.
For a 21 year old non-smoker, the least expensive Silver plan is $35 less than the benchmark Silver. Applying typical aging factors and a forty year old will see roughly a $50 gap between the plans and a 64 year old would see a $105 gap between the plans. This gap is critical.
As we have looked at, a single individual making $18,000 a year is expected to pay $63 per month post-subsidy for the second least expensive Silver in 2016. A 21 year old in Philadelphia can pay post-subsidy $28 per month while a middle aged individual will be paying a nominal premium if Pennsylvania does not allow for $0 premiums (California does not allow $0 premiums). The same logic applies to 64 year olds.
Looking at the Bronze plans, there is a significant gap between the two least expensive Bronzes and the Benchmark Silver. The 21 year old making $18,000 can buy a free Bronze. More importantly, the healthy mid-thirty something making 225% of FPL can buy a Bronze plan for $65 a month. It is not a great deal but it is a decent deal for someone who is healthy.