Affordable Care Act (ACA) marketplace health plans from Capital Blue Cross
With Capital Blue Cross, finding reliable individual and family health coverage is easier than ever. We offer a range of individual and family health plans through Pennie, the ACA marketplace destination for Pennsylvania residents.
Depending on your situation, you may be eligible for financial assistance when you purchase health plan coverage through Pennie. These options are available to all residents in our service area, including the uninsured, self-employed, or if you're just looking for a new plan.
Capital Blue Cross is proud to offer high-quality ACA marketplace coverage with the trusted local service our Central Pennsylvania community depends on.
What is Pennie, Pennsylvania’s ACA marketplace?
Pennie is the state’s own online platform created to help Pennsylvanians shop for, compare, and buy health insurance plans, and also provides access to financial assistance to those who are eligible to lower the cost of health coverage.
Capital Blue Cross plans available through Pennie meet ACA requirements and cover essential health benefits, including doctor visits, hospital stays, preventive care, and more. Marketplace health insurance is ideal for people who don't get insurance through an employer or government program.
ACA plans available through Capital Blue Cross
Capital Blue Cross offers a variety of ACA-compliant family and individual health plans in Pennsylvania through Pennie, the official health insurance marketplace for Pennsylvania. Our plans are divided into three tiers: Bronze, Silver, and Gold. Each offers different levels of monthly premiums and out-of-pocket costs.
Tipo de plan |
Prima mensual |
Out-of-pocket costs |
Plan description |
|---|---|---|---|
| Bronce | $ | $$$ | Bronze plans have the lowest monthly premiums and higher out-of-pocket costs. These plans are ideal for those who want basic coverage and don't anticipate needing frequent care. |
| Plata | $$ | $$ | Silver plans offer a balance between monthly premiums and out-of-pocket costs and are the only plans eligible for cost-sharing reductions, if you qualify. |
| Oro | $$$ | $ | Gold plans have higher monthly premiums but lower out-of-pocket costs, best for individuals or families who expect to use healthcare services more often. |
For more information about these individual and family health coverage plans, and to compare plan options in your county, use our compare plans tool.
¿Por qué elegir Capital Blue Cross?
Capital Blue Cross is a trusted, local partner with headquarters in Central Pennsylvania. We understand the unique healthcare needs of Central Pennsylvania residents. We offer access to a broad network of doctors and hospitals, personalized support, digital tools for managing your care, and wellness programs that help you stay healthy year-round.
Extra benefits that come standard with many of our health plans
Explore these valuable extras that are included with many individual and family health plans from Capital Blue Cross.
Planes dentales
Keep your family smiling with access to preventive dental care and more. Most ACA plans include pediatric dental coverage, and you can also add affordable adult dental plan options from Capital Blue Cross.
Atención virtual
VirtualCare gives you 24/7 access to board-certified providers for non-emergency issues, prescriptions, and follow-ups, all from your phone or your computer. Many Capital Blue Cross plans offer access to VirtualCare with a $0 copay.
How to enroll in a Capital Blue Cross ACA plan
Enrollment is simple. During the Open Enrollment Period (or if you qualify for a Special Enrollment Period), you can sign up through Pennie. Le mostramos cómo:
- Create a Pennie account.
- Compare plans available in your area.
- Check if you qualify for subsidies.
- Select a Capital Blue Cross plan that fits your needs.
- Enroll online (or with help from a licensed agent).
Ready to enroll and get started?
Our licensed representatives are here to guide you through the enrollment process, or you can compare ACA marketplace plans on Pennie to find coverage that fits your needs. We have several Capital Blue Cross Connect health and wellness centers where you can book an appointment to speak with a team member about plan options. You can also speak with a licensed broker at 610.546.7504.
Enroll in quality coverage from Capital Blue Cross today.
Preguntas frecuentes
Who qualifies for ACA coverage?
To qualify for ACA marketplace insurance through Capital Blue Cross and Pennie, you must live in our service area, be a U.S. citizen or lawful resident, and not have access to employer-based coverage. Your household income may also determine your eligibility for financial help. Special Enrollment Periods are available for those experiencing qualified life events like job loss, marriage, or the birth of a child.
When is the Open Enrollment Period for ACA marketplace plans?
Open Enrollment typically runs from November 1 to January 15 each year. Outside of this window, you may only enroll in an ACA marketplace plan if you qualify for a Special Enrollment Period due to a qualified life event, such as marriage, birth of a child, or a job loss.
Can I get financial help to pay for my ACA marketplace plan?
You may qualify for premium tax credits to lower your monthly payment. These reductions are dependent on your household size and income. Please check the Pennie website for information.
What’s the difference between the metal plans?
The metal tiers reflect how you and your plan share costs. Bronze plans have lower premiums and higher out-of-pocket costs. Silver plans offer moderate premiums and access to cost-sharing reductions. Gold plans have higher premiums, but out-of-pocket costs are lower when you receive care.
How do I know what ACA marketplace plan is right for me?
Your best health insurance plan depends on your healthcare needs and budget. If you rarely visit the doctor, a Bronze plan might work well. If you have regular prescriptions or chronic conditions, a Silver or Gold plan could save you money in the long run.
Does Capital Blue Cross offer plans through Pennie?
Yes. Capital Blue Cross offers a variety of ACA-compliant plans through Pennie, Pennsylvania’s official health insurance marketplace. You can browse and compare our plans at Pennie.com.
Can I keep my current doctor?
Capital Blue Cross is proud to offer a large network of providers throughout our service area in Central Pennsylvania. When reviewing your plan options, be sure to check if your doctor is included in-network to ensure continuity of care.
How do I get help enrolling in an ACA marketplace plan?
You have two options for help enrolling in an ACA marketplace plan. You can book an appointment at a Capital Blue Cross Connect health and wellness center near you. We can answer your questions, check your eligibility, and guide you through the enrollment process. You can also speak with a licensed Capital Blue Cross representative over the phone at 610.546.7504 for free, personalized help.