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Compare Individual Plan Options

Choose the individual plan that meets your needs

Independence Blue Cross offers a variety of individual plans for people who do not have employer-sponsored health insurance. Individual plans can include coverage for you, you and your spouse, or your entire family. This chart is an overview of the individual health plans available to you.

Benefits Keystone HMO (medically underwritten plans) Personal Choice® PPO (medically underwritten plans) Personal Choice® PPO (guaranteed enrollment plans)
Prescription drug coverage X X X
Vision coverage X    
Mental health coverage     †
Maternity care X   †
Preexisting medical conditions may not be covered for first 12 months X X X
Preexisting exclusion period may be waived or reduced X X X
Guaranteed enrollment plan     X
Approval based on health status and medical history X X  

Applicants must meet plan eligibility requirements and reside in Bucks, Chester, Delaware, Montgomery, or Philadelphia counties (except COBRA). See plan details for more information.

Other options

If you are losing your IBC group coverage or your COBRA is about to expire, you may be eligible for coverage through a conversion plan. In addition, if you are losing group coverage through another carrier, you may be eligible for a HIPAA continued-coverage plan. Call 1-800-ASK-BLUE (1-800-275-2583) for more information.

If you recently lost your job, COBRA may be an option for you. COBRA allows you to temporarily continue with the same health benefits as you had with your employer plan. It’s available to most employees whose coverage has been terminated. If your employer has 20 or more employees, visit www.dol.gov and search for COBRA. If your employer has fewer than 20 employees, visit www.pa.gov and search for Mini-COBRA.

Keystone Health Plan East HMO (medically underwritten plans)

  • Members select a primary care physician from our expansive network to coordinate all care.
  • Plans cover primary and specialist care, preventive care, hospitalization, emergency and urgent care, vision, and prescription drugs.
  • Because this is a medically underwritten plan, coverage is not guaranteed, so some applications may not be approved based on medical conditions. Final rates are based on age, gender, and medical history.
  • The preexisting condition exclusion can be reduced or eliminated with credit given for prior coverage under a Blue plan as long as the individual transfers directly without a break in Blue plan coverage. Applicants covered by another carrier may also be eligible to reduce or eliminate the preexisting condition exclusion. To be eligible, applicants must have had coverage for at least 18 months without a break in coverage of more than 63 days prior to their current application.

Eligibility requirements

  1. You are between 18 and 64.
  2. You are in generally good health.
  3. You are not an expectant parent, in the process of adoption, or surrogacy.
  4. You must not be eligible for Medicare.

For a free rate quote, visit www.ibx4you.com.

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Personal Choice® PPO (medically underwritten plans)

  • Individuals may receive care from any provider without a referral, in-network or out of network.
  • Plan covers primary and specialist care, preventive care, hospitalization, emergency and urgent care, and prescription drugs.
  • The preexisting condition exclusion can be reduced or eliminated with credit given for prior coverage under a Blue plan as long as the individual transfers directly without a break in Blue plan coverage. Applicants covered by another carrier may also be eligible to reduce or eliminate the preexisting condition exclusion. To be eligible, applicants must have had coverage for at least 18 months without a break in coverage of more than 63 days prior to their current application.
  • Because this is a medically underwritten plan, coverage is not guaranteed, so some applications may not be approved based on medical conditions. Final rates are based on age, gender, and medical history.

Eligibility requirements

  1. You are between 18 and 64.
  2. You are in generally good health.
  3. You are not an expectant parent, in the process of adoption, or surrogacy.
  4. You must not be eligible for Medicare.

For a free rate quote, visit www.ibx4you.com.

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Personal Choice® PPO (guaranteed enrollment plans)

  • Individuals may receive care from any provider without a referral, in-network or out of network.
  • Plan covers primary and specialist care, preventive care, hospitalization, emergency and urgent care, and prescription drugs.
  • The preexisting condition exclusion can be reduced or eliminated with credit given for prior coverage under a Blue plan as long as the individual transfers directly without a break in Blue plan coverage.

Eligibility requirements

  1. You are between 18 and 64.
  2. You must not be eligible for Medicare.

More about Guaranteed Enrollment Plans.

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† Coverage and benefits vary based on the plan. Please see detailed plan benefits for more information.

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