Open enrollment for 2016 health coverage is closed. However, you can still apply for health coverage or change your 2016 plan if you have certain changes in your life — known as qualifying life events — including loss of insurance through your employer, marriage, the birth or adoption of a baby, or a recent permanent move into a new coverage area. If you believe you qualify but do not see your life event on the page referenced below, please call us at 1-888-475-6206.
You can choose from and compare 15 unique health insurance plans from Independence Blue Cross based on your coverage needs, preferred provider access and how much you can afford to cover the cost of health care. 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 offer you in-network coverage and are available in platinum, gold, silver, and bronze coverage levels.
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.
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.
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.
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.