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Individual & family plans

You matter to us!

Your well-being is what’s most important to us. And because insurance can be confusing, we want to make that part easy for you.

Marketplace plans

Shop plans now

The Marketplace (also known as the Exchange) is a website (healthcare.gov) where individuals can compare and purchase health insurance plans. Marketplace plans are great for individuals and families who are eligible for discounts or financial subsidies. These discounts can include:

Tax credits - Tax credits lower the monthly premium you pay for health coverage and are more available than ever due to the 2021 American Rescue Plan act. Depending on your household income level, these credits can pay for a considerable amount of your premium. You can use your tax credit on most Marketplace plans.

Cost sharing reductions

  • Lower the amount you pay on health care services.
  • Cost-sharing reduction plans are available for those who make about $31k or less for a single person.
  • Cost-sharing reduction is only available on silver plans.
  • There are three levels of cost sharing reduction based on income brackets:
    • 100–150 percent of FPL
    • 151–200 percent of FPL
    • 201–250 percent of FPL

Here are some guidelines for eligibility:

  • Individuals making $20,120 - $58,320 or more**
  • Family of two making $27,213 - $78,880 or more**
  • Family of three making $34,306 - $99,440 or more**
  • Family of four making $41,400 - $120,000 or more**

**All income ranges and financial help (advanced premium tax credit) qualifications are determined by Healthcare.gov. Visit healthcare.gov for more information. 

Individual and family plan options

We have health insurance plans to fit your lifestyle and budget. Whether you’re looking for a lower-premium plan, to limit your overall out-of-pocket, or even just for a catastrophic safety net plan, we’re here for you.

View plans now


Learn more about our plans

Our plans offer additional benefits to put your health and wellness first:

Free transportation

Need a ride to see your provider? We are helping our members get to the care they need.
Learn about free rides

$0 e-visits

Receive a diagnosis, a treatment plan and a prescription for certain common conditions from the comfort of home via smart phone or computer.
Learn about $0 e-visits

Diabetic prescription benefit

$0 Preferred diabetic supplies and a $35 maximum member cost-share on preferred insulin.
Learn about pharmacy benefit

24-Hour Nurse Advice Line

If you're not sure you need to see a doctor—or you're wondering if you have a problem—give us a call day or night.
Learn about nurse advice line

Metal tiers

All Individual & family plans are divided into metal categories. These categories show how you and your plan share costs. No matter which category your plan falls in, the quality of care does not change.

Bronze plans

Bronze plans are best if you do not typically need to see your doctor or use your prescription coverage very often. The monthly premium payment will be lower, but when you do need care, your out-of-pocket costs will be higher.

Silver plans

Silver plans have your out-of-pocket costs and your monthly premiums more evenly balanced. These plans are beneficial if you may use your health care for more than just preventive care.

Gold plans

Gold plans are ideal and cost-efficient if you anticipate going to your provider or pharmacy frequently. These plans will have a higher monthly premium payment, but your out-of-pocket costs will be lower.

Individual & Family plan service area map

6-county service area map


Individual & Family Q&A

Learn more about health insurance basics.

Special enrollment information

Outside open enrollment, you can enroll in new coverage or make changes to your existing policy—if you have a certain life event that qualifies you for a special enrollment period. 

See special enrollment details