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About Health Insurance
Have a life event?

See if you’re eligible to apply for a plan now.

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Open Enrollment: What You Need to Know

Under the Affordable Care Act, Open Enrollment is the time when individuals and families can enroll for health insurance for the upcoming year. If you don’t have health insurance, Open Enrollment is the time to apply. If you do have health insurance and are interested in shopping and comparing other health insurance options that better fit your needs and budget, Open Enrollment is a great time to make a change.

Below is an illustrated guide to help you understand when and how to enroll for health insurance, and other important enrollment dates and insurance shopping considerations.

When Is Open Enrollment?

Open Enrollment ended December 15, 2018. The next Open Enrollment period begins November 1, 2019. If you missed the deadline, you may be able to enroll in a health insurance plan for 2019 if you experience a qualifying life event.

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See If You Qualify For a Subsidy (Tax Credit)

The federal government provides financial help in the form of tax credits or subsidies for eligible individuals and families who purchase their own health insurance. In fact, 86 percent of these people received financial assistance from the federal government to help pay premiums.1 Eligibility depends on family size and income.

Use our subsidy calculator to see if you or your family may be eligible for financial assistance.

tax penalty infographic

Choose the Right Health Plan For Your Budget and Needs

Independence Blue Cross offers the lowest-priced plans in the Philadelphia five-county area, including the lowest-priced Bronze and Silver metallic plans.1 You can save even more if you qualify for a health insurance subsidy. Our popular and affordable Keystone HMO Proactive plans let you use any providers in our network while giving you the choice to save even more on out-of-pocket costs when you choose certain providers within the health plans network.

The Keystone HMO Silver Proactive Value plan is the lowest-priced Silver plan in the region, offering you the lowest medical deductible when you use Tier 1 – Preferred providers and NO deductible for family doctor or specialist visits, lab services, therapies, prescription drugs, and trips to the Emergency Room.

Most affordable health insurance plan in Philadelphia five-country areas

Make Sure Your Preferred Providers Are in the Network

If seeing certain doctors or using certain hospitals or health care facilities are important to you, then be sure that they are covered in your plan’s network. Independence Blue Cross is proud to offer the widest selection in quality care, with over 49,000 providers and over 180 hospitals.

Use the Find a Doctor tool to find out if your current primary care physician (PCP), health care specialists, and facilities are in the network.

Independence Blue Cross provider network offers the widest selection in quality care

Compare Plans and Apply For Coverage

Ready to get started?

Apply Now

Have questions? Call 1-888-475-6206 (TTY: 711) 8 a.m. – 8 p.m., Monday – Friday to talk to an Independence Blue Cross sales representative.

1 Source: The Centers for Medicare & Medicaid Services

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