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Open enrollment is closed until November 15, 2014.
Need a health plan now? See if you qualify to sign up during the special enrollment period.

Health InsuranceOn Your Terms

Health Care Reform Plain and Simple

The Basics

Feel Young, Stay Healthy - and Save.

  • Apply for Tax Credits - Based on your income, you may be able to get help paying for your insurance plan.
  • You're Eligible – You’re still eligible for health insurance even if you have a pre-existing condition.
  • Avoid the Fee – Most Americans must have health insurance in 2014 or pay a fee.

What would a plan cost?

Find out how affordable health insurance can be for Young Adults

Need to talk about it?

Call us at
1.866.623.0300

What I'm getting with all plans

Check, check, and check. Whether you feel young and healthy, get sick sometimes or have a pre-existing condition, all plans have many of the benefits you're looking for, including:

  • Emergency services, hospitalization, and preventive care
  • Maternity, newborn and pediatric care
  • Mental health care & substance abuse treatment
  • Laboratory services, prescription drugs, and disease management
  • And more

Get help payingfor health insurance with a tax credit

Under the Affordable Care Act, financial help for health insurance is available. Depending on the size of your family and your income, you may qualify for a premium tax credit. Find out how.


How many people are in your household?


*If you can get health insurance through your employer, you may not qualify for a premium credit.

How to compare plans & costs

You have to decide what’s most important to you — cost or choice of doctors. If it’s cost, look at your out-of-pocket costs in three different ways, then choose. You should understand what a deductible, coinsurance and copay is before making your decision.

When you shop with Blue Cross and Blue Shield, you can easily compare different plans by deductible, coinsurance and copayments.

Deductible

The fixed amount you must pay every year (or contract term) before your full benefits begin.

Coinsurance

The percentage of a covered service that you are responsible for paying.

Copay

A fixed dollar amount you are required to pay for covered services at the time you receive care.

Now you need a network

Your network consists of doctors, hospitals and other health care professionals you can see. You can choose an HMO or a PPO. Either way, you can avoid unexpected costs by staying within your network.

Learn more about the differences between HMO and PPO plans.

  • May have higher premium and out-of-pocket costs than HMO plans

    Greater selection of doctors and hospitals to choose from

  • May have lower premium and out-of-pocket costs than PPO plans

    Fewer doctors and hospitals to choose from

    Referral required to see a specialist

PPO and HMO networks vary based on size and are different in each state. Fewer doctors may contract with HMO plans.

Plan to Win

This is your time. Time to bring home a medal. Explore a plan level that best meets your needs and budget. Bronze, Silver and Gold plans have HMO and PPO options.

Bronze Plans

Lowest monthly costs.

Higher out-of-pocket costs when you receive care.

Premium
Out of Pocket

60% coverage
you pay 40%

Silver Plans

Higher monthly costs than Bronze plans.

Lower out-of-pocket costs than Bronze plans.

Premium
Out of Pocket

70% coverage
you pay 30%

Gold Plans

Higher monthly costs than Silver plans.

Lower out-of-pocket costs than Silver plans.

Premium
Out of Pocket

80% coverage
you pay 20%

Bronze Plans

Lowest monthly costs.

Higher out-of-pocket costs when you receive care.

Premium
Out of Pocket

60% coverage
you pay 40%

Silver Plans

Higher monthly costs than Bronze plans.

Lower out-of-pocket costs than Bronze plans.

Premium
Out of Pocket

70% coverage
you pay 30%

Gold Plans

Higher monthly costs than Silver plans.

Lower out-of-pocket costs than Silver plans.

Premium
Out of Pocket

80% coverage
you pay 20%

Feel good. Smile

Prescription drug and dental coverage is available.

Prescription Drug Coverage

Your insurance may help pay for your medicine with a fixed dollar amount (copayment) or a percentage (coinsurance).

Dental Coverage

For those pearly whites, the health plan you choose may allow you to enroll for dental coverage, too.

Stay connected

Stay young and healthy with affordable health insurance designed to protect your body, your mind, and your family.


Call us or we'll call you

1.866.623.0300

Don't forget to ask about how you can receive healthcare financial assistance.

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