Highmark representatives are ready to assist you, Monday – Friday, 9 a.m. – 7 p.m., and Saturday, 9 a.m. – 2 p.m.
There are two types of savings programs that can lower what you pay each month and out of pocket for your individual or family plan — and over 80% of Highmark ACA members qualify.*
Advanced Premium Tax Credits (APTC) - These can lower your monthly premium and are based on your household income and household size.
Cost-Sharing Reduction (CSR) - This program can help lower the out-of-pocket costs that come when you receive care, like deductibles and copays.
Depending on your household size and income, you may be eligible for both an APTC and a CSR.
A good rule of thumb when it comes to deductibles and premiums is to picture a see-saw: when you lower one, you generally raise the other. This makes it easier to choose an individual or family plan based upon how much you're likely to use it.
Low deductible plans tend to have higher premiums (monthly bills), but may save you money over the long run if you need a lot of health services.
You may want to consider a High Premium / Low Deductible plan if you are:
High deductible plans have higher out-of-pocket costs if you need medical care, but may save you money if you don’t have many health care needs.
You may want to consider a Low Premium / High Deductible plan if you are:
In this five-minute video, we'll help you understand the different metal levels and how to choose one that fits your life.
Compare, pick, and enroll in an individual or family plan. Get answers to health insurance questions, and help finding the plan that’s right for you.
Handle administrative stuff like scheduling appointments, transferring records, and paying premiums.
Highmark Direct services are available in person or virtually. Please note that there are social distancing and mask guidelines in place to ensure everyone's health and safety.
Highmark representatives are ready to assist you, Monday – Friday, 9 a.m. – 7 p.m., and Saturday, 9 a.m. – 2 p.m.
Highmark representatives are ready to assist you, Monday – Friday, 9 a.m. – 7 p.m., and Saturday, 9 a.m. – 2 p.m.
*Based on 2021 ACA membership that enrolled through the marketplace during 2020 Open Enrollment Period.