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Compare 2027 Health Plans

This chart compares health plan benefits and estimated out-of-pocket costs for Independence Blue Cross (IBX) in-network services — including doctor and hospital visits, specialty care, and prescription drugs. Deductible amounts shown are for individuals.

For more details, review each plan's Summary of Benefits and Coverage. Or, use our guided shopping tool to get custom recommendations for the most affordable options and best health plan match for you.

Click the + to expand that row for more details about the plan.

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Plan name

Deductible

Primary care physician visit

Specialist visit

Inpatient hospital

Low-cost generic prescription
Keystone HMO Gold Proactive

Tier 1: $0
Tier 2: $0
Tier 3: $0

Tier 1: $15
Tier 2: $30
Tier 3: $45

Tier 1: $40
Tier 2: $60
Tier 3: $80

Tier 1: $350/day1
Tier 2: $700/day1
Tier 3: $1,100/day1

$3
Prescription drug
  • Low-cost generic: $3
  • Generic: $20
  • Preferred brand: $100
  • Non-preferred brand: 50% up to $300
  • Search for a drug
  • Mandatory Generic Drugs Icon
  • Preferred Pharmacy Icon
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Keystone HMO Gold Proactive Value

Tier 1: $0
Tier 2: $4,000
Tier 3: $4,000

Tier 1: $25
Tier 2: $40, no ded
Tier 3: $55, no ded

Tier 1: $60
Tier 2: $80, no ded
Tier 3: $100, no ded

Tier 1: $350/day1
Tier 2: Subject to ded and $700/day1
Tier 3: Subject to ded and $1,100/day1

$5
Prescription drug
  • Low-cost generic: $5
  • Generic: $25
  • Preferred brand: 50%
  • Non-preferred brand: 50%
  • Search for a drug
  • Mandatory Generic Drugs Icon
  • Preferred Pharmacy Icon
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Keystone HMO Gold

$0

$35

$65

$750/day1

$3
Prescription drug
  • Low-cost generic: $3
  • Generic: $20
  • Preferred brand: $100
  • Non-preferred brand: 50% up to $200
  • Search for a drug
  • Standard pharmacy network icon
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Keystone HMO Gold Classic

$500

$40, no ded

$80, no ded

20% after ded

$3
Prescription drug
  • Low-cost generic: $3
  • Generic: $20
  • Preferred brand: $100
  • Non-preferred brand: 50% up to $200
  • Search for a drug
  • Available On Exchange Icon
  • Standard pharmacy network Icon
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Star Indicating Most Popular Plan
Personal Choice® PPO Gold

$0

$30

$65

$750/day1

$3
Prescription drug
  • Low-cost generic: $3
  • Generic: $20
  • Preferred brand: $100
  • Non-preferred brand: 50% up to $200
  • Search for a drug
  • Standard pharmacy network Icon
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Personal Choice® PPO Gold Classic

$1,250

20%, no ded

20% after ded

20% after ded

$3
Prescription drug
  • Low-cost generic: $3
  • Generic: $20
  • Preferred brand: $100
  • Non-preferred brand: 50% up to $200
  • Search for a drug
  • Available On Exchange Icon
  • Standard pharmacy network Icon
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Personal Choice® PPO Gold Preferred

$0

$15

$15

$500/day1

$3
Prescription drug
  • Low-cost generic: $3
  • Generic: $20
  • Preferred brand: $100
  • Non-preferred brand: 50% up to $200
  • Search for a drug
  • Standard pharmacy network Icon
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New plan this yearPersonal Choice® EPO Gold Preferred Virtual Care

$0

Primary care visit: $15 (Teladoc: $0)

Specialist visit: $15

$500/day; max of 5 copays/admit

$3
Prescription drug
  • Low-cost generic: $3
  • Generic: $20
  • Preferred brand: $100
  • Non-preferred brand: 50% up to $200
  • Search for a drug
  • Standard pharmacy network Icon
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Star Indicating Most Popular Plan
Keystone HMO Silver Proactive

Tier 1: $0
Tier 2: $6,000
Tier 3: $6,000

Tier 1: $40
Tier 2: $70, no ded
Tier 3: $80, no ded

Tier 1: $90
Tier 2: $140, no ded
Tier 3: $150, no ded

Tier 1: $600/day1
Tier 2: Subject to ded and $900/day1
Tier 3: Subject to ded and $1,300/day1

$7, no ded
Prescription drug
  • Low-cost generic: $7, no ded
  • Generic: $25, no ded
  • Preferred brand: $100 after ded
  • Non-preferred brand: 50% after ded, up to $500
  • Search for a drug
  • Available On Exchange Icon
  • Mandatory Generic Drugs Icon
  • Preferred Pharmacy Icon
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Keystone HMO Silver Proactive Lite

Tier 1: $2,000
Tier 2: $6,500
Tier 3: $6,500

Tier 1: $50, no ded
Tier 2: $60, no ded
Tier 3: $70, no ded

Tier 1: $90, no ded
Tier 2: $120, no ded
Tier 3: $140, no ded

Tier 1: Subject to ded and $600/day1
Tier 2: Subject to ded and $900/day1
Tier 3: Subject to ded and $1,300/day1

$5, no ded
Prescription drug
  • Low-cost generic: $5, no ded
  • Generic: $20, no ded
  • Preferred brand: $90 after ded
  • Non-preferred brand: 50% after ded, up to $500
  • Search for a drug
  • Available On Exchange Icon
  • Mandatory Generic Drugs Icon
  • Preferred Pharmacy Icon
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Keystone HMO Silver Proactive Select

Tier 1: $0
Tier 2: $6,000
Tier 3: $6,000

Tier 1: $40
Tier 2: $70, no ded
Tier 3: $80, no ded

Tier 1: $90
Tier 2: $140, no ded
Tier 3: $150, no ded

Tier 1: $600/day1
Tier 2: Subject to ded and $900/day1
Tier 3: Subject to ded and $1,300/day1

$5, no ded
Prescription drug
  • Low-cost generic: $5, no ded
  • Generic: $25, no ded
  • Preferred brand: $100 after ded
  • Non-preferred brand: 50% after ded, up to $500
  • Search for a drug
  • Available Off Exchange Icon
  • Mandatory Generic Drugs Icon
  • Preferred Pharmacy Icon
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Star Indicating Most Popular PlanKeystone HMO Silver Proactive Basic

Tier 1: $2,500
Tier 2: $7,000
Tier 3: $7,000

Tier 1: $50, no ded
Tier 2: $60, no ded
Tier 3: $70, no ded

Tier 1: $100, no ded
Tier 2: $120, no ded
Tier 3: $140, no ded

Tier 1: Subject to ded and $600/day1
Tier 2: Subject to ded and $900/day1
Tier 3: Subject to ded and $1,300/day1

$5, no ded
Prescription drug
  • Low-cost generic: $5, no ded
  • Generic: $20, no ded
  • Preferred brand: 50% after ded, up to $400
  • Non-preferred brand: 50% after ded, up to $500
  • Search for a drug
  • Available On Exchange Icon
  • Mandatory Generic Drugs Icon
  • Preferred Pharmacy Icon
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Star Indicating Most Popular Plan
Keystone HMO Silver Proactive Value

Tier 1: $1,500
Tier 2: $6,000
Tier 3: $6,000

Tier 1: $40, no ded
Tier 2: $60, no ded
Tier 3: $70, no ded

Tier 1: $80, no ded
Tier 2: $120, no ded
Tier 3: $140, no ded

Tier 1: Subject to ded and $600/day1
Tier 2: Subject to ded and $900/day1
Tier 3: Subject to ded and $1,300/day1

$5, no ded
Prescription drug
  • Low-cost generic: $5, no ded
  • Generic: $20, no ded
  • Preferred brand: $100 after ded
  • Non-preferred brand: 50% after ded, up to $500
  • Search for a drug
  • Available Off Exchange Icon
  • Mandatory Generic Drugs Icon
  • Preferred Pharmacy Icon
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Star Indicating Most Popular Plan
Keystone HMO Silver Proactive Essential

Tier 1: $5,000
Tier 2: $8,000
Tier 3: $8,000

Tier 1: $50, no ded
Tier 2: $60, no ded
Tier 3: $70, no ded

Tier 1: $100, no ded
Tier 2: $120, no ded
Tier 3: $140, no ded

Tier 1: Subject to ded and $600/day1
Tier 2: Subject to ded and $900/day1
Tier 3: Subject to ded and $1,300/day1

$5, no ded
Prescription drug
  • Low-cost generic: $5, no ded
  • Generic: $25, no ded
  • Preferred brand: 50% after ded, up to $400
  • Non-preferred brand: 50% after ded, up to $500
  • Search for a drug
  • Available On Exchange Icon
  • Mandatory Generic Drugs Icon
  • Preferred Pharmacy Icon
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Keystone HMO Silver Basic

$5,500

$35, no ded

$80, no ded

50% after ded

$3, no ded (Integrated with medical ded)
Prescription drug
  • Low-cost generic: $3, no ded (Integrated with medical ded)
  • Generic: $20, no ded
  • Preferred brand: 50% after ded, up to $300
  • Non-preferred brand: 50% after ded, up to $400
  • Search for a drug
  • Available On Exchange Icon
  • Mandatory Generic Drugs Icon
  • Preferred Pharmacy Icon
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Keystone HMO Silver Essential

$5,000

$45, no ded

$75, no ded

50% after ded

$3, no ded (Integrated with medical ded)
Prescription drug
  • Low-cost generic: $3, no ded (Integrated with medical ded)
  • Generic: $20, no ded
  • Preferred brand: 50% after ded, up to $300
  • Non-preferred brand: 50% after ded, up to $400
  • Search for a drug
  • Available Off Exchange Icon
  • Mandatory Generic Drugs Icon
  • Preferred Pharmacy Icon
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Personal Choice® PPO Silver Classic

$3,500

$30, no ded

$75, no ded

25% after ded

$3, no ded (Integrated with medical ded)
Prescription drug
  • Low-cost generic: $3, no ded (Integrated with medical ded)
  • Generic: $20, no ded
  • Preferred brand: 50% after ded, up to $300
  • Non-preferred brand: 50% after ded, up to $400
  • Search for a drug
  • Available On Exchange Icon
  • Mandatory Generic Drugs Icon
  • Preferred Pharmacy Icon
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Personal Choice® PPO Silver Basic

$4,000

$35, no ded

$80, no ded

25% after ded

$3, no ded (Integrated with medical ded)
Prescription drug
  • Low-cost generic: $3, no ded (Integrated with medical ded)
  • Generic: $20, no ded
  • Preferred brand: 50% after ded, up to $300
  • Non-preferred brand: 50% after ded, up to $400
  • Search for a drug
  • Available Off Exchange Icon
  • Mandatory Generic Drugs Icon
  • Preferred Pharmacy Icon
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New plan this yearPersonal Choice® EPO Silver Classic Virtual Care

$3,500

Primary care visit: $30, no ded (Teladoc: 0%, no ded)

Specialist visit: $75, no ded

25% after ded

$3, no ded (Integrated with medical ded)
Prescription drug
  • Low-cost generic: $3, no ded (Integrated with medical ded)
  • Generic: $20, no ded (Integrated with medical ded)
  • Preferred brand: 50% after ded, up to $300 max/fill
  • Non-preferred brand: 50% after ded, up to $400 max/fill
  • Search for a drug
  • Available On Exchange Icon
  • Mandatory Generic Drugs Icon
  • Preferred Pharmacy Icon
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New plan this yearPersonal Choice® EPO Silver Basic Virtual Care

$4,000

Primary care visit: $35, no ded (Teladoc: 0%, no ded)

Specialist visit: $80, no ded

25% after ded

$3, no ded (Integrated with medical ded)
Prescription drug
  • Low-cost generic: $3, no ded
  • Generic: $20, no ded
  • Preferred brand: 50% after ded, up to $300 max/fill
  • Non-preferred brand: 50% after ded, up to $400 max/fill
  • Search for a drug
  • HSA-compatible Icon
  • Available Off Exchange Icon
  • Mandatory Generic Drugs Icon
  • Preferred Pharmacy Icon
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Star Indicating Most Popular Plan
Keystone HMO Bronze Proactive

Tier 1: $8,000
Tier 2: $9,800
Tier 3: $9,800

Tier 1: $85, no ded
Tier 2: $95, no ded
Tier 3: $105, no ded

Tier 1: $170, no ded
Tier 2: $180, no ded
Tier 3: $190, no ded

Tier 1: Subject to ded and $700/day1
Tier 2: Subject to ded and $900/day1
Tier 3: Subject to ded and $1,300/day1

$7, no ded
Prescription drug
  • Low-cost generic: $7, no ded
  • Generic: $35, no ded
  • Preferred brand: 50% after ded
  • Non-preferred brand: 50% after ded
  • Search for a drug
  • HSA-compatible Icon
  • Mandatory Generic Drugs Icon
  • Preferred Pharmacy Icon
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Star Indicating Most Popular Plan
Keystone HMO Bronze

$8,500

$75, no ded

$150, no ded

Subject to ded and $700/day1

$5, no ded (Integrated with medical ded)
Prescription drug
  • Low-cost generic: $5, no ded (Integrated with medical ded)
  • Generic: $25, no ded (Integrated with medical ded)
  • Preferred brand: 50% after ded, up to $300
  • Non-preferred brand: 50% after ded, up to $400
  • Search for a drug
  • HSA-compatible Icon
  • Mandatory Generic Drugs Icon
  • Preferred Pharmacy Icon
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Star Indicating Most Popular Plan Personal Choice® PPO Bronze

$6,000

50%, no ded

50% after ded

25% after ded

$5, no ded (Integrated with medical ded)
Prescription drug
  • Low-cost generic: $5, no ded (Integrated with medical ded)
  • Generic: $35, no ded (Integrated with medical ded)
  • Preferred brand: 50% after ded
  • Non-preferred brand: 50% after ded
  • Search for a drug
  • HSA-compatible Icon
  • Mandatory Generic Drugs Icon
  • Preferred Pharmacy Icon
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Personal Choice® EPO Bronze Reserve + HSA

$7,800

0% after ded

0% after ded

0% after ded

0% after ded (Integrated with medical ded)
Prescription drug
  • Low-cost generic: 0% after ded (Integrated with medical ded)
  • Generic: 0% after ded (Integrated with medical ded)
  • Preferred brand: 0% after ded
  • Non-preferred brand: 0% after ded
  • Search for a drug
  • HSA Included Icon
  • Mandatory Generic Drugs Icon
  • Preferred Pharmacy Icon
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Personal Choice® EPO Bronze Classic

$6,200

$65, no ded

$65, no ded

50% after ded

$5, no ded (Integrated with medical ded)
Prescription drug
  • Low-cost generic: $5, no ded (Integrated with medical ded)
  • Generic: 50% after ded
  • Preferred brand: 50% after ded
  • Non-preferred brand: 50% after ded
  • Search for a drug
  • HSA-compatible Icon
  • Mandatory Generic Drugs Icon
  • Preferred Pharmacy Icon
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Personal Choice® EPO Bronze Basic

$9,800

40%, no ded

0% after ded

0% after ded

$5, no ded (Integrated with medical ded)
Prescription drug
  • Low-cost generic: $5, no ded (Integrated with medical ded)
  • Generic: $25, no ded (Integrated with medical ded)
  • Preferred brand: 0% after ded
  • Non-preferred brand: 0% after ded
  • Search for a drug
  • HSA-compatible Icon
  • Mandatory Generic Drugs Icon
  • Preferred Pharmacy Icon
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New plan this yearPersonal Choice® EPO Bronze Virtual Care

$6,000

Primary care visit: 50%, no ded (Teladoc: 0%, no ded)

Specialist visit: 50%, after ded

25% after ded

$5, no ded (Integrated with medical ded)
Prescription drug
  • Low-cost generic: $5, no ded
  • Generic: $35, no ded
  • Preferred brand: 50% after ded
  • Non-preferred brand: 50% after ded
  • Search for a drug
  • Mandatory Generic Drugs Icon
  • Preferred Pharmacy Icon
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Personal Choice® EPO Catastrophic

$12,000

Visits 1-3: $50, no ded
Visits 4+: 0% after ded

0% after ded

0% after ded

0% after ded (Integrated with medical ded)
Prescription drug
  • Low-cost generic: 0% after ded (Integrated with medical ded)
  • Generic: 0% after ded (Integrated with medical ded)
  • Preferred brand: 0% after ded
  • Non-preferred brand: 0% after ded
  • Search for a drug
  • HSA-compatible Icon
  • Mandatory Generic Drugs Icon
  • Preferred Pharmacy Icon
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Legend

  • Most popular plans = Most popular plans
  • HSA icon HSA-compatible — This plan is HSA-compatible, meaning you have the option to open an HSA.
  • HSA-included icon HSA included — This plan includes an HSA. You can open an HSA through your online member account.
  • Mandatory Generic Drugs Icon Mandatory Generics – If you get a brand name drug when a generic is available, you pay the difference in cost plus the brand name cost-sharing.
  • Available Off Exchange Icon Off-exchange only – Plan can only be purchased through IBX directly and is not available on Pennie.
  • Available On Exchange Icon On-exchange only – Plan is only available for purchase through Pennie.
  • Preferred Pharmacy Icon Preferred Pharmacy network includes more than 58,000 pharmacies.
  • Standard pharmacy network Icon Standard Pharmacy network includes more than 68,000 pharmacies.

ded = Deductible

  1. Amount shown reflects copay per day. There is a maximum of 5 copays per admission.