Individual & Family Health Insurance Plans

We offer health insurance plans that fit a variety of healthcare needs, including special programs to support better health.

A ZIP code helps us find plans in your area.
Your plan options may vary by county or region.
Choose 2024 if shopping for coverage beginning January 1, 2024.

Need help finding the right plan? Talk to a licensed agent:


Already a member? Log in to your account to renew your plan or compare options.
Ready to pick up where you left off? Complete your application.

Already a member? Log in to your account to renew your plan or compare options.
Ready to pick up where you left off? Complete your application.

Finding A Health Insurance Plan That's Right For You

Your healthcare needs and budget are as unique as you are. That’s why we offer plans across a range of price levels. We can help you find a plan that’s right for you, whether you’re an individual who only needs emergency coverage or part of a large family with more extensive healthcare needs. Plus, financial assistance to help cover health insurance costs is available for those who qualify, so it’s easier to stay on budget and on top of your health.

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Bronze Plans Icon Bronze Plans

Bronze health insurance plans feature low monthly payments with higher deductibles. These plans are best for individuals or couples who have few doctor visits and only need or want coverage for medical emergencies.


Monthly Payment 1 out of 4

Deductible 4 out of 4

Silver Plans Icon Silver Plans

Silver health insurance plans have average monthly payments but lower deductibles than the bronze level. These plans are ideal for individuals and smaller families with average healthcare needs. Silver plans also offer certain cost reductions for those who qualify.

Monthly Payment 2 out of 4

Deductible 3 out of 4

Bronze Plans Icon Gold Plans

Gold health insurance plans have higher monthly payments but even lower deductibles than silver plans. They are best for individuals or families with regular, ongoing healthcare needs. Gold plans cover most routine healthcare costs.


Monthly Payment 3 out of 4

Deductible 2 out of 4

On And Off Exchange Plans

There are two kinds of individual health insurance plans available: on-exchange and off-exchange. Here are the differences to consider when selecting a plan:

health insurance plans are available on or a state-based exchange, also known as a marketplace. Financial help, or subsidies, are only available when you enroll in an on-exchange health plan. Subsidies include premium tax credits and cost-sharing reductions. If you qualify for financial help to lower the cost of health coverage, an on-exchange plan is your best option.

health insurance plans covering the same essential health benefits as on-exchange plans are available outside of the exchange or marketplace directly through Anthem.

With Anthem, you have access to both on-exchange and off-exchange health insurance plans. Our licensed agents can help you determine if you are eligible for financial help and find the best plan for your needs and budget.

How Health Insurance Covers Expenses

Health insurance can be the key to supporting your health and well-being. Once you purchase an Anthem plan, you’ll be covered for annual physicals and preventive care visits with providers in your network. Here are the basics of how your plan covers expenses and which portions of your healthcare costs you’re responsible for. 


The deductible is the amount you pay each year before your plan starts to pay for covered services. This does not include costs for preventive services, which are covered regardless of the deductible when provided by a doctor in your plan's network.


Copays are fixed amounts (such as $10 or $20) that you pay out of pocket for visits to in-network healthcare providers. Amounts can vary depending on the provider (primary care or a specialist) you see or the services you receive (such as medications, labs, and diagnostic tests). 


Coinsurance is the percentage you pay for covered healthcare services after you reach your deductible. For example, if the allowed amount for a service is $100 and your coinsurance is 20%, you will pay $20 for that service after your deductible is met. 

Out-Of-Pocket Maximum

This the most you will pay for covered healthcare services during the coverage year. If you reach the out-of-pocket maximum, your plan pays 100% of covered benefits. 

Benefits Of Becoming An Anthem Member

Anthem designed its health plans and plan networks with different healthcare needs and budgets in mind. We offer a range of choices and make managing your benefits easier than ever. Our integrated approach can help improve your health, lower costs, and provide peace of mind.

Doctors In Your Plan’s Network

Anthem plans support your healthcare with a range of choices of doctors, care centers, and hospitals. You also have the flexibility of choosing a video visit with a doctor or therapist on your smartphone, tablet, or computer.

Earn Rewards For Healthy Habits

Our Smart Rewards program lets you earn rewards for completing health and wellness activities. Redeem the rewards for a digital gift card from a selection of top retailers by visiting your doctor for an annual wellness exam or completing our health assessment.

Access to Preventive Care

Avoiding illness or catching problems early are key to staying healthy. Your plan covers preventive care at no cost to you when you see a doctor in your plan’s network. Preventive care includes checkups, screenings, and vaccines. 

Pharmacy Coverage

You can rest assured that your Anthem health plan includes coverage for most generic and many brand-name prescriptions at $0 cost to you. Otherwise, you’ll pay a certain amount for medications, depending on the coverage tier or class of drug.

Virtual Care

Using the Sydney Health app, you can talk to a board-certified doctor from the comfort of your home or on-the-go. The doctor can give you expert medical advice, diagnose common health issues, and send prescriptions right to your pharmacy. Many plans offer virtual care visits using the Sydney Health app at no cost to you.2

Other Coverage Options

Catastrophic Coverage Plans

A catastrophic plan is a high-deductible, low monthly payment option that protects you in the event of a serious health crisis or emergency. To qualify for this type of coverage, you must be under 30 or 30 or over with an approved hardship exemption from your state’s Health Insurance Marketplace®.

Medicaid Eligibility

If you are disabled, managing a chronic condition, or have a lower income, you may qualify for Medicaid coverage. 

Find Options Available In Your State

New York

If your state isn’t listed, visit for other coverage options.

Health Insurance Basics

Have questions about healthcare insurance, its costs, or special circumstances? These articles cover the basics and can help you make informed health insurance decisions.

Access All Health Basics Articles

Get A Quote For Health Coverage

Ready to take the next step? We can help you get a quote for health coverage that works for you and your family. Plus, our experts are standing by to help you choose a plan that’s right for you. 

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2Anthem Business Intelligence Analysis of 2021 WEM Application data and FPL Distribution; May 2021. 

1Subsidies are only available for Qualified Health Plans purchased through the Health Insurance Marketplace or your state exchange. Anthem Blue Cross, Anthem Blue Cross and Blue Shield, and HealthKeepers, Inc. are Qualified Health Plans that offer such Plans through the Health Insurance Marketplace or your state exchange.

2Virtual care visits, including medical chats and video visits using the Sydney Health app, are at no cost to members for most plans. Those enrolled in High-Deductible Health Plans associated with a Health Savings Account and Catastrophic plans must first meet their deductible. Virtual care visits refer to medical chats and/or video consultation, as deemed appropriate by a licensed physician. Sydney Health is offered through an arrangement with Carelon Digital Platforms, a separate company offering mobile application services on behalf of the health plan. ©2020-2022