INDIVIDUAL & FAMILY PLANS

Coverage for you and your whole family

We know you have a lot of options when it comes to finding a health plan that works for you and your family. That's why we are here to help you know what to expect before and after you enroll.

Mother and young daughter washing vegetables | BCBS of Tennessee

Open enrollment is here

You can now enroll in a 2020 health plan.

We're here to help you find health insurance that fits you and your budget. You might even be able to get help paying for your plan.

NOV 1 - DEC 15

ACROSS TENNESSEE

NOV 1 - DEC 15

ACROSS TENNESSEE

We offer three levels of plans

Whether you'd rather pay less each month or prefer having more control of your overall costs, it helps to think about how you and your insurance will split expenses when looking for a plan.

How do I know if I'm eligible for financial help?

The Affordable Care Act (ACA) is a law that was passed in March 2010 to make health insurance affordable and available to more people. If you qualify for an ACA plan, you'll get financial help to lower your monthly payment and health care costs through a tax credit. You might be eligible for a tax credit based on your annual income and the size of your family.

Who's eligible for a tax credit?

Family Size Income Ranges
Individual $12,490 - $49,960
Family of 2 $16,910 - $67,640
Family of 3 $21,330 - $85,320
Family of 4 $25,750 - $103,000
Family of 5 $30,170 - $120,680
Family of 6 $34,590 - $138,360
What are the out-of-pocket costs for each plan?

Out-of-pocket costs are the expenses for your health care that aren't covered by insurance. This can include things like deductibles, coinsurance, copayments and other services.

See the out-of-pocket costs for each of our plan levels.

Plan level Through the
Marketplace
Through
BlueCross
Deductible Member
Coinsurance
Out-of-Pocket Maximum Works
with HSA?
Individual Family Individual Family
B07 Bronze B07 check mark check mark $5,650 $11,300 50% $6,650 $13,300 check mark
B08 Bronze B08 check mark check mark $8,150 $16,300 0% $8,150 $16,300
B09 Bronze B09 check mark check mark $4,800 $9,600 50% $8,000 $16,000
B10 Bronze B10 check mark check mark $6,600 $13,200 50% $8,150 $16,300
S01 Silver S01 check mark check mark $700 $1,400 50% $7,800 $15,600
S04 Silver S04 check mark check mark $3,500 $7,000 50% $8,150 $16,300
S20 Silver S20 check mark $5,600 $11,200 50% $6,500 $13,000
G06 Gold G06 check mark check mark $1,850 $3,700 20% $6,350 $12,700

Swipe to see more

Swipe Icon
What are the prescription costs for each plan?

Here's how the prescription costs break down based upon your plan level.

Plan level Copay and Coinsurance Ranges
Generics Preferred Brand Drugs Non-Preferred Brand Drugs
B07 Bronze B07 Deductible/Coinsurance Deductible/Coinsurance Deductible/Coinsurance
B08 Bronze B08 Deductible/Coinsurance Deductible/Coinsurance Deductible/Coinsurance
B09 Bronze B09 $10 Copay after deductible is met $35 Copay after deductible is met $50 Copay after deductible is met
B10 Bronze B10 Deductible/Coinsurance Deductible/Coinsurance Deductible/Coinsurance
$10 Preventive Rx Copay $35 Preventive Rx Copay $60 Preventive Rx Copay
S01 Silver S01 Deductible/Coinsurance Deductible/Coinsurance Deductible/Coinsurance
$10 Preventive Rx Copay $35 Preventive Rx Copay $60 Preventive Rx Copay
S04 Silver S04 Deductible/Coinsurance Deductible/Coinsurance Deductible/Coinsurance
$10 Preventive Rx Copay $35 Preventive Rx Copay $60 Preventive Rx Copay
S20 Silver S20 Deductible/Coinsurance Deductible/Coinsurance Deductible/Coinsurance
$10 Preventive Rx Copay $35 Preventive Rx Copay $60 Preventive Rx Copay
G06 Gold G06 $8 Copay $35 Copay $60 Copay

Swipe to see more

Swipe Icon
What does "deductible/coinsurance" mean?

Deductible: The amount you pay each year before your health plan begins paying.

Coinsurance: The percentage of costs for care that you'll pay - usually after you've paid your deductible.

' Young couple laughing over breakfast | BCBS of Tennessee'

Ready to shop for a plan?
Here’s how.

There are two ways to shop for a plan – with or without financial help. First check below to see if you qualify for help. If so, purchase your plan through Healthcare.gov. If not, check out our other plans. If you need help, just contact us.

Plans with financial help

See if you’re eligible for financial help when buying one of our plans on the Marketplace.

90 percent

Nine out of 10 qualify for Individual & Family plans with financial help

family size

Financial help is based on your income and the size of your family

Plans without financial help

We have health insurance plans that have what you’re looking for and fit your budget too.