Employer health plans

Large business health insurance

When you choose Independence Blue Cross (IBX), you’re choosing a company fully committed to investing in the people and communities we serve. We’ve created programs you can count on and relationships you can believe in. We’re proud to serve you, your business, and your employees.

View the 2024 Large Business Benefits brochure

Get a detailed look at all the benefits available to organizations like yours — in one convenient document.

View brochure


We give your employees access to an extensive provider network and empower them to make healthy lifestyle choices with tools, reimbursements, and discounts.


When you combine Independence medical and prescription drug benefits, we can help you lower costs and simplify health care plan management.

Independence Blue Cross Dental

Our affordable dental coverage encourages prevention, early diagnosis, and treatment to help detect serious medical conditions.


Our vision benefits can help detect more serious health conditions in your employees, while providing them with high quality vision care.


Let us help take the work out of transitioning your employees into a healthy retirement with group, individual, and exchange options.

IBX Better HealthSM

This care management solution is designed to improve your employees’ health, lower health care costs, and increase employee satisfaction.

Stop loss

Stop loss insurance from Sun Life Assurance Company of Canada helps self-funded employers guard their financial health from the cost impact of catastrophic health claims.

Spending accounts

Spending accounts (FSA, HRA, HSA) can help your employees feel financially secure and provide tax advantages for you and for your employees.1

Additional workplace benefits

We offer a range of valuable benefit plans, including life, disability, hospital indemnity, international health insurance, and more.

Behavioral health solutions

We take an integrated approach to behavioral health. Your employees receive personalized support connecting them to the right care and resources, leading to better outcomes and more informed, empowered decision-making.

Condition and lifestyle solutions

Some of our offerings go beyond medical benefits, such as value-add programs, tools, and services that provide members with the extra support they need to live their best lives.


IBX covers 99 percent of all union workers in southeastern Pennsylvania and we’re proud to meet their unique needs.

Educational institutions

IBX is the health insurer of choice for school districts in southeastern Pennsylvania, as well as most of the region’s colleges and universities.

1 Tax savings are at the federal level. State tax policies vary.