ibx4you.com Affordable Health Plans for Individuals and Families from Independence Blue Cross

To purchase insurance, call
1-888-475-6206

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Find a doctor, hospital, urgent care center, or other provider.

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Choose an Individual or Family Health Insurance Plan

Open enrollment for 2014 health coverage is closed. However, you can still apply for health coverage if you have certain changes in your life — known as qualifying life events — including loss of coverage (due to loss of employer-sponsored coverage, death of a spouse, divorce, or plan being discontinued), marriage, the birth or adoption of a baby, or a recent move into a new coverage area. If you believe you qualify but do not see your life event listed above, please call us at 1-888-475-6206.

You can choose from 13 unique health insurance plans, including PPO and HMO plans, as well as more affordable versions of these plans, such as PPO plans with a health savings account (HSA) and HMO plans with a tiered network. All Independence Blue Cross individual and family health plans cover the ten Essential Health Benefits that are required by the Health Care Law.

Coverage Options

To make it easier for you to compare different health plans, the federal government created four levels of coverage:

Platinum health plans will cost you the most each month, but your cost-sharing each time you need covered services will likely be lower. Bronze health plans will have the lowest monthly costs but will likely have higher costs when you get covered services.

Compare IBC’s individual plans in each level.

Platinum Plans

Gold Plans

Silver Plans

Bronze Plans

Monthly cost

$$$$

$$$

$$

$

Cost when you get care

$

$$

$$$

$$$$

Good option if you...

plan to use a lot of health care services

want to save on monthly premiums while keeping your cost-sharing low

need to balance your monthly premium with your cost-sharing

don’t plan to use a lot of health care services

In addition, we also offer a catastrophic plan, which is available for people under 30 or those who qualify due to an extreme financial hardship.