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Health Plans
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Shop & Compare Health Insurance Plans

Compare and choose from a wide variety of health insurance plans from Independence Blue Cross based on your health care needs, preferred providers, and how much you can afford. To be eligible for one of our plans, you must be a resident of Pennsylvania and live in one of the following counties served by Independence Blue Cross: Bucks, Chester, Delaware, Montgomery, or Philadelphia.

Select one of the health plan types below to get started and learn more.

Keystone HMO Plans

Keystone HMO plans offer you in-network coverage and are available in platinum, gold, silver, and bronze coverage levels.

Keystone HMO Plans highlights:

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Personal Choice PPO and EPO Plans

Personal Choice PPO gives you the ultimate in flexibility with the freedom to see any doctor without referrals, and in-network coverage available across the country.

Personal Choice PPO Plans highlights:

  • In- and out-of-network coverage — save money by staying in-network!
    • Personal Choice Bronze Basic, an EPO plan, does not include out-of-network coverage
  • Freedom to see any doctor without referrals
  • PPO Silver plan includes vision coverage for adults
  • PPO Platinum and Gold plans include the full FutureScripts pharmacy network, while the PPO Silver and Bronze plans use the Preferred Pharmacy network
  • PPO Bronze plan also includes the Mandatory Generic benefit

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Keystone HMO Proactive Plans

Keystone HMO Proactive plans offer you lower premiums and out-of-pocket costs than a typical HMO (Health Maintenance Organization) plan because they feature a tiered network, which allows you to pay lower out-of-pocket costs when you see Tier 1 or Tier 2 providers.

Keystone HMO Proactive Plans highlights:

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PPO Reserve Plan with an HSA

PPO Bronze Reserve gives you the option of opening a tax-advantaged HSA (health savings account) that helps you save money for qualified medical expenses.

PPO Bronze Reserve Plan highlights:

  • One of our most affordable Bronze health plans
  • In- and out-of-network coverage
  • Freedom to see any doctor without referrals
  • Can be paired with a tax-advantaged HSA
  • Prescription drug coverage includes a Preferred Pharmacy network and Mandatory Generic benefits
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Catastrophic Health Plan

You may qualify for our Personal Choice Catastrophic plan if you’re under age 30 or qualify for an exemption due to extreme financial hardship or discontinuation of a current plan that is not compliant with the Affordable Care Act.

Catastrophic Health Plan overview:

  • Good for people looking for a lower premium and who need “just in case” coverage
  • In-network coverage only
  • Freedom to see any doctor without referrals
  • Prescription drug coverage includes a Preferred Pharmacy network and Mandatory Generic benefits
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