# PHEC vs Insurance Card

The clearest difference is price: PHEC at Free against Insurance Card's $1.99. PHEC also leads on device support (3 vs 1) and iOS requirement (12.0 vs 17.6). On update cadence, ads and in-app purchases there is nothing between them.

PHEC is free to download; Insurance Card costs $1.99 up front. Neither carries in-app purchases, so what you see is what you pay.

PHEC ships an update every 7 months, Insurance Card every 6 months. Both last shipped on October 30, 2026.

## The numbers

| Metric | PHEC | Insurance Card |
| --- | --- | --- |
| Price | **Free** | $1.99 |
| Rating | — | **[5.0 (1 ratings)](https://appshunter.io/ios/app/insurance-card/id6743356524/reviews)** |
| Number of ratings | — | **1** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 7 months | **Every 6 months** |
| Monetization | — | Paid |
| Size | 176 MB | 2 MB |
| Requires iOS | **12.0** | 17.6 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Panola Harrison Electric Cooperative INC](https://appshunter.io/developer/1785276958) | [YMMV](https://appshunter.io/developer/1224453829) |

## What reviewers say

### PHEC

[App page](https://appshunter.io/ios/app/phec/id6739433122)

**Features:** macOS Compatibility

**In-app purchases:** none


### Insurance Card

[App page](https://appshunter.io/ios/app/insurance-card/id6743356524)

Easily create and store digital copies of your insurance cards. Supports major providers and offers secure local storage for quick access to your information.

**Highlights:** Create digital insurance cards, Support for major insurance providers, Realistic card design, Digital wallet for storage, Secure local storage, Dark mode support, Easy sharing options

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is PHEC free?

PHEC is free to download, with no in-app purchases.

### Is Insurance Card free?

Insurance Card costs $1.99, with no in-app purchases.

### Do PHEC or Insurance Card have ads?

Neither PHEC nor Insurance Card shows ads.

### Which is updated more often, PHEC or Insurance Card?

PHEC ships an update every 7 months, and Insurance Card every 6 months. Most recently, PHEC was updated on October 30, 2026 and Insurance Card on October 30, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*