diff --git a/lib/ecto/repo/supervisor.ex b/lib/ecto/repo/supervisor.ex
index 42d3584056..dcb5826ea8 100644
--- a/lib/ecto/repo/supervisor.ex
+++ b/lib/ecto/repo/supervisor.ex
@@ -1,6 +1,7 @@
 defmodule Ecto.Repo.Supervisor do
   @moduledoc false
   use Supervisor
+  require Logger
 
   @defaults [timeout: 15000, pool_size: 10]
   @integer_url_query_params ["timeout", "pool_size", "idle_interval"]
@@ -25,7 +26,20 @@ defmodule Ecto.Repo.Supervisor do
     case repo_init(type, repo, config) do
       {:ok, config} ->
         {url, config} = Keyword.pop(config, :url)
-        {:ok, Keyword.merge(config, parse_url(url || ""))}
+        url_config = parse_url(url || "")
+
+        url_config =
+          if is_list(config[:ssl]) and url_config[:ssl] == true do
+            Logger.warning(
+              "ignoring `ssl=true` parameter in URL because `ssl` is already set in the configuration: #{inspect(config[:ssl])}"
+            )
+
+            Keyword.delete(url_config, :ssl)
+          else
+            url_config
+          end
+
+        {:ok, Keyword.merge(config, url_config)}
 
       :ignore ->
         :ignore
diff --git a/test/ecto/repo/supervisor_test.exs b/test/ecto/repo/supervisor_test.exs
index 141bbe0d3c..73f2f827a7 100644
--- a/test/ecto/repo/supervisor_test.exs
+++ b/test/ecto/repo/supervisor_test.exs
@@ -83,6 +83,20 @@ defmodule Ecto.Repo.SupervisorTest do
     assert normalize(config) == [database: "mydb", extra: "extra", otp_app: :ecto, scheme: "ecto"]
   end
 
+  @tag :capture_log
+  test "URL options do not overwrite SSL cacertfile from config" do
+    put_env(database: "hello", url: "ecto:///mydb?ssl=true", ssl: [cacertfile: "/path/to/file"])
+    {:ok, config} = init_config(:runtime, __MODULE__, :ecto, extra: "extra")
+
+    assert normalize(config) == [
+             database: "mydb",
+             extra: "extra",
+             otp_app: :ecto,
+             scheme: "ecto",
+             ssl: [cacertfile: "/path/to/file"]
+           ]
+  end
+
   test "is no-op for nil or empty URL" do
     put_env(database: "hello", url: nil)
     {:ok, config} = init_config(:runtime, __MODULE__, :ecto, [])