Open Enrollment for individual consumers in Pennsylvania has begun. This year, Independence Blue Cross will continue to offer a variety of plans with comprehensive healthcare coverage and access to quality care.

Now through Dec. 15 is the enrollment period for healthcare coverage that begins Jan. 1, 2025. The enrollment period for coverage ends Jan. 15 for coverage starting Feb. 1. Open Enrollment is the only time each year when individuals and families can enroll in or change their health plan — outside of experiencing a qualifying health event — if they want healthcare coverage for 2025. These health plans are available on Pennsylvania’s state-based health insurance exchange, Pennie, or by purchasing a health plan directly from IBX.

“As the Philadelphia five-county region’s hometown insurer, Independence Blue Cross has been a cornerstone in the community for more than 85 years,” said Brett Mayfield, Senior Vice President and Local Market President for IBX. “We’re also the only insurer in the region that has offered individual health plans every year since the health insurance marketplace opened, and we offer the strongest network of doctors and hospitals in the region. Our members in southeastern Pennsylvania, know they can count on us when they carry an IBX card.”

Affordability and Tax Credit Availability

Individual and family health plans are available to Pennsylvanians who are not eligible for healthcare coverage through an employer or government program. Depending on income, age, and household size, consumers may qualify for expanded premium tax credits to lower their monthly premiums for 2025.

For those who have not applied in the past, IBX recommends that consumers look to see if they are eligible for tax credits for the first time. IBX’s website includes a calculator to help consumers determine if they are eligible for financial assistance to lower their monthly health plan premium. The final determination of premium tax credit eligibility will be made by Pennie.

Comprehensive Health Plans that Support Whole Person Health

IBX wants to help consumers build and maintain good health, and it designs its health plan with that in mind.

Every IBX health plan provides lower out-of-pocket costs for virtual visits with in-network doctors and behavioral health providers using telehealth. Additionally, members have access to $0 unlimited virtual care visits for primary care, behavioral health, and dermatology services through Teladoc.

For many additional services, members will pay $0 out-of-pocket, including preventive care like annual checkups, cancer screenings, and immunizations, as well as nutritional counseling. IBX health plans also reward members up to $300 for healthy behaviors, such as visiting their doctor or signing up for tips and reminders to help improve their overall health.

IBX members also receive valuable services like access to Registered Nurse Health Coaches 24/7, mental health support through IBX’s Behavioral Health care team, digital weight management programming through Wondr, financial well-being programs, and family planning apps for each stage of the parenthood journey through Ovia at no additional cost.

Important Dates to Remember

How to Sign Up for Healthcare Coverage

On the telephone: IBX-licensed agents are available by telephone at 1-888-475-6206 to answer questions and help consumers enroll in healthcare coverage from Monday to Friday, 8 AM-8 PM, and on Saturday, 8 AM-1 PM, except major holidays.

Online: Consumers can visit IBX.com to find the health insurance that is right for them and enroll in a health plan directly with IBX. The state-based exchange, Pennie, is the only place consumers can enroll in health plans with financial assistance, and Pennie will make the final determination for tax credit or premium subsidy eligibility.

In person: Consumers can visit Independence LIVE on the second floor of 1919 Market Street in Philadelphia to meet with a licensed agent and enroll in a 2025 health plan, Monday to Friday, 8 AM-4 PM, except major holidays.

For Spanish-speaking consumers, IBX has licensed, Spanish-speaking sales agents available by phone at 1-844-315-4884. There is also an easy-to-use Spanish-language website.