Individual and family health plans
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Low-income health plans Individual coverage

You may qualify for free health coverage for you and your family — or qualify for help covering the cost of health care — depending on your age, location, how your income compares to the Federal Poverty Level, and your family household size.

To see if you may qualify for financial assistance, use our Tax Credit Calculator.

Affordable health insurance

Making health insurance affordable for everyone regardless of their situation is a priority for every single one of IBX’s individual and family health plans. Here are a few options you can explore:

Low-cost health plans

Low-cost coverage for uninsured adults is made available by Independence Blue Cross. There are several affordable options depending on your situation:

Catastrophic health insurance

If you are under 30 and you qualify for an exemption due to financial hardship, you may be able to apply for the Personal Choice EPO Catastrophic plan.

Other low-cost health insurance options

Even if your age or income doesn’t qualify you for financial assistance, you have options that can help you lower costs. If you live in Bucks, Chester, Delaware, Montgomery, or Philadelphia county, you can always opt for a Keystone HMO Proactive plan. Our Keystone HMO Proactive plans offer access to high-quality care and options to save money.

You could also sign up for a High Deductible Health Plan with a Health Savings Account.

Happy Family Covered By An IBX Family Health Plan
Happy Family Covered By An IBX Family Health Plan

Ready to get started?

Compare plans and enroll in an affordable health insurance plan.

Keystone First

Medical Assistance (Medicaid) recipients may be eligible for Keystone First. For more information, please call 215-937-8000 or visit

To learn more about what factors are involved in determining plan costs check out “How much does health insurance cost?”