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FAQ: Managing your health plan

If you want to choose a new health plan or add a dependent, you must do so during the Open Enrollment period. If you are currently enrolled in an Independence Blue Cross health plan and want to make demographic changes (such as email address, mailing address, date of birth), cancel your coverage, or remove a dependent from your plan, you may do so at any time by by calling us at 1-800-ASK-BLUE (or 1-800-275-2583) (TTY: 711). Please note that if you applied for coverage through the Health Insurance Marketplace, you will need to visit to make changes to your health plan.

For health plans purchased on, the government will automatically update your subsidy. If your income has changed since your last tax filing, visit or contact PennieTM at 1-844-844-8040. It is important that you confirm your subsidy amount with the Marketplace to ensure you are not subject to a tax penalty at the end of the year for a subsidy that was too large and/or to ensure you receive the full amount of financial assistance to which you are entitled.

We encourage you to log in to your account to view your renewal information first. If you enrolled directly with Independence Blue Cross and would like assistance from one of our agents, please call 1-888-475-6206 (TTY: 711). Our licensed agents can assist you with instructions on how to renew your health insurance. If you enrolled through the Health Insurance Marketplace and will be renewing your subsidy, our licensed agents can help you renew your health plan and help you update your subsidy, if necessary.

No. Because vision and dental policies can be purchased all year outside of the Open Enrollment period, they need to be handled independently from the medical plan renewal. All medical plans renew on January 1 each year, while dental and vision coverage is renewed on a contract year, or one year from the date you purchased the plan. For example, if you have a medical plan with a January 1, 2024, effective date and purchased a dental plan with a February 1, 2024, effective date, you will need to renew your medical plan by December 15, 2023 for a January 1, 2024 effective date, and actively renew your dental plan independently from your medical plan by January 1, 2024, for dental coverage to take effect on February 1, 2024.

If your plan is no longer available, we will send you detailed information on renewing your coverage that includes recommended options to replace your plan with a similar offering. If you have any questions, call us directly at 1-888-475-6206 (TTY: 711), Monday through Friday, 8 a.m. – 8 p.m.

At the beginning of each calendar year, you should receive an IRS 1095 tax form in the mail to verify that you had minimum essential health care coverage during the previous calendar year. You will receive this form from the federal government, your health insurance provider, or your employer, depending on whether you purchased health insurance individually through the Health Insurance Marketplace, directly from an insurer, or through an employer-sponsored group health plan.

For more information about proof of insurance forms, including where to find a replacement copy, read IRS 1095 Tax Forms: What You Need to Know and IRS 1095 Tax Forms: Frequently Asked Questions.

To get up-to-date information about your claims and coverage and manage your benefits, register or log in to the member portal at To register, you will create a user ID and a password, and will need your member ID and an email address.

Members who have medical coverage under Independence Blue Cross can contact Customer Service with any questions. Customer Service Representatives are available Monday through Friday, 8 a.m. – 6 p.m. at 1-844-BLUE-4ME (or 1-844-258-3463) (TTY:711)