Independence Blue Cross announces open enrollment for individual and family health plans begins Nov. 1

Open Enrollment for individual consumers in Pennsylvania will begin on Friday, November 1, 2024. Independence Blue Cross (IBX) again this year will continue to offer a variety of plans with comprehensive health care coverage and access to quality care.

November 1, 2024, through December 15, 2024, is the enrollment period for health care coverage that begins January 1, 2025. The enrollment period for coverage ends January 15 for coverage starting February 1, 2025. 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 health care 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 Independence Blue Cross. "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 health care 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 our 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

November1, 2024	Open Enrollment begins for individuals not eligible for health care coverage through an employer or government program.
November30, 2024	Deadline to renew an Independence Blue Cross health plan to ensure members receive their ID cards by January 1, 2025.
December15, 2024	Deadline to enroll in a health plan for health care coverage effective January 1, 2025.
January15, 2025	Open Enrollment ends. This is the final day individuals can enroll in health care coverage for 2025. Coverage would be effective February 1, 2025.

How to Sign Up for Health Care Coverage

On the telephone
IBX-licensed agents are available by telephone at 1-888-475-6206 (TTY: 711) to answer questions and help consumers enroll in health care coverage from Monday to Friday, 8 a.m. to 8 p.m., and on Saturday, 8 a.m. to 1 p.m., 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.com, 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 a.m. to 4 p.m., 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 at ibx.com/mas.

*Teladoc, Wondr and Ovia are independent companies.

^Cost-sharing may apply for Catastrophic and HSA-qualified health plans.

About Independence Blue Cross
Independence Blue Crossis the leading health insurance organization in southeastern Pennsylvania. For more than 85 years, we have been enhancing the health and well-being of the people and communities we serve. We deliver innovative and competitively priced health care products and services; pioneer new ways to reward doctors, hospitals, and other health care professionals for coordinated, quality care; and support programs and events that promote wellness. To learn more, visit ibx.com. Connect with us on Facebook, LinkedIn, and Instagram. Independence Blue Cross is an independent licensee of the Blue Cross and Blue Shield Association.

Media contact:
Aleah Conlin
215-518-0995
[email protected]

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