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Highmark Individual and Family Plans

Highmark Individual and Family Plans

Open Enrollment is here

Open Enrollment is here

And we can help you find a plan for your life and budget. Don’t miss out on coverage for 2026*. Enroll by December 15 for January 1 coverage.

And we can help you find a plan for your life and budget. Don’t miss out on coverage for 2026*. Enroll by December 15 for January 1 coverage.

Have you recently lost your coverage?

If you’ve encountered a life event that has affected your coverage, see if you’re eligible to enroll in a plan through a Special Enrollment Period.

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Loss of Medicaid Coverage

Highmark has you covered with plenty of low-cost plans to choose from. You can enroll in an Individual and Family plan during a Special Enrollment Period.

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Eligibility for Special Enrollment

Under Affordable Care Act (ACA) guidelines, if you’ve had a baby, moved to a new ZIP code, or lost your job, you can sign up for coverage outside of Open Enrollment periods.

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Changes are coming to health plan savings

Changes are coming to health plan savings

Extra help from the government could end soon. Learn more about the changes to enhanced tax credits.

Extra help from the government could end soon. Learn more about the changes to enhanced tax credits.

Why choose a Highmark health plan?

There’s so many reasons for choosing a Highmark health plan. We can think of three big ones right off the top of our heads.

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Coverage for all your health

Healthy teeth and eyes are part of overall health, and regular checkups can help you stay ahead of potential health issues. That’s why we offer plan options with adult dental and vision.

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No referrals needed

Having one of our plans means you never need a referral to see a specialist. You can see the in-network specialists you want, whenever you want — putting you in control of your care.

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Easy access to care

With our plans, you get easy access to high-quality, lower-cost health care services in your area. You also get 24/7 support with virtual health options and access to Blues On CallSM.

Let’s cover some ACA basics

We'll help you simplify the process and understand how to compare your plan options.
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Ways to save


There are two types of savings programs that can help you pay for your health insurance. Based on your household size and income, you may be eligible for both types of financial help.

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Deductibles and premiums


Your premium and deductible are like a see-saw: When you lower one, you generally raise the other. It's important to find the sweet spot between the two based on your healthcare needs and finances. 

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Know your metals


ACA plans are broken into metal levels — bronze, silver, gold and platinum. Metal levels reflect cost-sharing differences only. You get the same quality of care at any level.

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Prepare for Open Enrollment

The Open Enrollment period for individual and family plans varies by state. Anyone who qualifies for an ACA plan may enroll during this time period.

  • PA, DE, and WV: November 1 — January 15
  • NY: November 1 — January 31

The benefits built into every Highmark ACA plan

Your health plan should do more than cover care. It should connect you to the right resources, right when you need them. Highmark offers programs designed to help you feel your best — physically, mentally, and emotionally.

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Virtual care, whenever you need it


The 24/7 Nurse Line lets you get care from the comfort of your own home. Registered nurses are available 24/7 by phone to answer your medical questions — at no cost to you.

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Virtual mental health therapy


Through Spring Health¹, you can access therapy, coaching, and mental health resources to support your emotional well-being.

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Virtual physical therapy at home


Relieve joint, muscle, and back pain — right from home. With Virtual Joint Health, Thrive by Sword², you’ll get a custom plan from a specialist and a motion-sensing tablet to guide you through your exercises anytime, anywhere.

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Support for chronic conditions


Convenient programs on the My Highmark app and website help you manage chronic conditions like diabetes, asthma, and more, making it easier to stay on track with your health.

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My Highmark app


Your health, right in your pocket. The My Highmark app helps you find doctors, manage claims, check benefits, and connect with support programs anytime.

Explore affordable health coverage in your area

Explore affordable health coverage in your area

All our plans give you in-network access to top-quality care, close to home. Whatever your health care needs and budget, we have a plan for you. All you have to do is choose.

All our plans give you in-network access to top-quality care, close to home. Whatever your health care needs and budget, we have a plan for you. All you have to do is choose.

*You may qualify for a Special Enrollment Period if you experience a qualifying life event.

¹Spring Health is an independent company that provides mental health care services through its agents.

²Sword Health is an independent company that provides wellness services for the health plan.