Uninsured Individuals

I am currently uninsured. How will the law affect me?

Under the new law, 32 million people who are currently without insurance will have increased access to affordable health coverage, largely through government-offered subsidies, and through the expansion of Medicaid in 2014 that will help an additional 15 million low-income people afford health insurance.

In the meantime, there are a few options to help those who are uninsured get coverage on their own.

  • Individual and Family Plans: If you’re looking to purchase health insurance for yourself or your family, Independence Blue Cross offers a variety of affordable health plans. Some of these plans accept all who apply regardless of whether the person has a pre-existing medical condition.

Changes to Health Care for Uninsured with Health Care Reform

In 2014, a number of new provisions will affect people without insurance, most notably the requirement that everyone have health coverage. Here are some important things to know about the changes happening with the law in the future.

  • The law mandates that individuals must purchase insurance or be subject to penalties, beginning in 2014. There will be government subsidies available for those who qualify, to help individuals and families buy insurance, which will be available through new state-based exchanges.
  • State-based health exchanges go into effect in 2014, and may make it easier for you to purchase health insurance by allowing consumers and small businesses to simply and quickly shop for health insurance.
  • Expansion of Medicaid begins in 2014. Medicaid will expand its eligibility for coverage to include persons with income levels at or below 133 percent of the federal poverty level.

Shop for plans and compare rates, benefit details and other information on our range of health plans.

If you believe you qualify for a subsidy, try our subsidy calculator and compare our plans. Independence Blue Cross has some of the lowest rates for individual plans on the Marketplace.

Already a Member?

Call the number on your ID card, or visit ibxpress.com for more information about your IBC individual plan.