Individual and Family Plans
Recent Notice about Updates to Our Individual Health Plan Options
Oct. 02, 2017
Blue Cross and Blue Shield of Texas is proud to again offer a variety of health plan options for individuals and families in every county of Texas in 2018. For 2018, we’ve simplified our health plan options to make them easier for you to review and select the coverage that best meets your needs.
While our plans will have fewer options at each metallic level, we’ve worked to make sure you get the same quality of benefits you expect from BCBSTX. There won’t be any major changes to our provider networks.
You may have received a legally-required notice informing you that you’ll need to select a new individual plan for 2018. There’s nothing you need to do right now. To help make the transition as seamless as possible we’ve taken the step of identifying a recommended plan that is similar to your current coverage. You will be automatically enrolled in this similar plan, or you can select any plan from our 2018 offering during the Open Enrollment period, which runs from Nov. 01, through Dec. 15, 2017.
Details on all 2018 plan options will be included in an enrollment package each member will get in the mail before open enrollment. We understand you may have questions, and we’re committed to helping you find the plan that best meets your needs. We have increased the number of sales and customer service representatives during open enrollment to offer support throughout the enrollment process.
You can reach a Customer Advocate at the number listed on the back of your BCBSTX member ID card Monday – Friday, 8 a.m. – 8 p.m. (Central Time), 8 a.m. – 6 p.m. (Central Time) on Saturdays and 10 a.m. – 6 p.m. (Central Time) on Sundays. You can also check this webpage for further updates.
2018 Individual Market Participation Update
Sept. 27, 2017
BCBSTX is proud to announce that we will continue to offer consumers health insurance options both on and off the individual marketplace in 2018. Specific plan, network and benefit information will be available closer to the open enrollment period that begins on Nov. 01, 2017.
We remain committed to working with lawmakers, regulators, providers and the entire health care system to ensure a stable, sustainable individual marketplace and to improve the quality and cost of care for all our members.
Health Care is Complicated, Understanding Individual Insurance Rates
August 01, 2017
Blue Cross and Blue Shield of Texas filed proposed rates and products in the individual marketplace with the hopes of continuing to offer quality, cost-effective coverage to Texas in 2018.
On August 1, the federal government released the rates from insurers across the country who submitted 2018 products in the individual insurance market. While this may be the subject of conversation and media attention, it’s important to keep a few things in mind:
- Rate submission and review is an annual process and necessary to participate in the individual marketplace.
- Rates should be viewed in context, or include, any premium assistance for those who may receive subsidies. Actual out-of-pocket costs will differ based on the financial assistance consumers receive from the government to offset their total monthly premium cost.
- There is still a lot of uncertainty on the rules and regulations of the individual market for 2018. Our 2018 product pricing reflects that uncertainty and the associated risks that exist within this marketplace. We will continue to work with legislators, regulators and other stakeholders toward getting the necessary certainty around issues like the continued funding of cost-sharing reductions ("CSRs") and mechanisms that encourage broad and continuous coverage.
- Our rates also account for keeping pace with escalating health care costs and the growing use of that care. If we want to control premiums, then we must focus on the cost of care and the amount of care being used.
It is important to note that while we have submitted rates, our level of participation has not yet been finalized. If we receive regulatory certainty within an acceptable time frame we will review and, where appropriate, adjust our rates if time allows.
Please continue to visit this page for updates to our 2018 products and services in the individual marketplace.
Medicare and Medicaid
Check back soon for 2018 Medicare and Medicaid updates.
Employer Based Plans
Update for Our Small Business Customers
Oct. 02, 2017
As we're preparing to sell 2018 plans and service our clients, small group employers who currently offer BCBSTX coverage to their employees through the Small Business Health Options Program (“SHOP”) will receive notifications that BCBSTX will not participate on the SHOP exchange, effective Jan. 1, 2018; however, it's important to know that members currently enrolled in a SHOP plan will have coverage through the full term of the existing contract.
We are also sending letters to employers and members to let them know that certain off-exchange small group plans as well as other group plans are being discontinued. Federal regulations require that small group plans must be discontinued if they are significantly modified.
We will continue to serve the Small Group Market with an array of robust off-exchange plans that enable employers in Texas to continue offering quality, cost-effective coverage from BCBSTX.