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INDIVIDUAL & FAMILY

How to Choose a Health Insurance Plan

Understand your 2025 plan options. Find shopping resources. Compare your options and enroll in our coverage.

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ENROLLING

Where to Learn About and Enroll in a Plan

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Easily shop online

Confidently compare your health plan options, learn if you can qualify to save  and enroll on our online shopping platform.

Start shopping online
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Get help when you need it

Call our health plan specialists to ask questions and get help completing your application.

Call: 1-855-594-1515

Resources

Gather Information on Health Care Plans

SAVINGS

Check for Plan Savings

Don't miss out on your chance to lower health care costs. Learn how you can apply the savings you qualify for to your health care plan.

Learn More
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COVERAGE

What's Covered in Each Plan?

While all plans offer coverage for essential benefits, they differ in access to:

  • Networks: which doctors and hospitals are covered by your plan
  • Virtual care tools: if BCBSMT telehealth services are an included benefit
  • Health and wellness tools: if programs like Well onTarget® are an and Blue Point rewards℠ are included benefits
  • Specialists: if your plan requires you to get a referral to meet with a specialist — most HMO and POS plans do
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PLAN COSTS

How Are the Costs Different?

Most plans vary in the costs they offer and you owe, like:

  • Deductible: the annual amount owed before your plan covers the bill
  • Premium: the amount owed each month to keep your plan active
  • Copays: the cost ($) you may owe after meeting your deductible
  • Coinsurance: the cost (%) you may owe after meeting your deductible

No matter the plan you have, there are steps you can take to help make your coverage more affordable. 

Learn How
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NETWORKS

Explore Provider Networks

Find in-network doctors, hospitals and specialists.

Use our Provider Finder® tool to explore the doctors, hospitals and specialists covered by each plan.

Check for your preferred providers.

Want to keep your current doctor? If you're choosing a new plan, check its network to make sure they're still covered.

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EMERGENCY CARE

Factor in Flexibility and Convenience

Sometimes, planning ahead isn't possible. From needing care when you're away from home to staying covered in an emergency situation, it's important to understand how your plan works.

When shopping for a plan, compare the tools and benefits that help you stay covered when life doesn't go according to plan.