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Need affordable health insurance? Highmark Blue Cross Blue Shield can help.

Get covered

There are two ways to buy Affordable Care Act (ACA) plans, also known as Obamacare.

  • Highmark Blue Cross Blue Shield marketplace plans

    You can buy Highmark Blue Cross Blue Shield plans through an online marketplace, also known as the federal or state Exchange. If you’re eligible for financial help, these plans can lower your monthly premiums and out-of-pocket costs.

  • Plans directly from Highmark Blue Cross Blue Shield

    You can also buy health insurance plans directly from Highmark Blue Cross Blue Shield. These plans don’t offer financial help, but you’ll find additional plan options here.

Open Enrollment runs from November 16 through January 31. For coverage that starts on January 1, enroll by December 15.

Our plans

Highmark Blue Cross Blue Shield Affordable Care Act (ACA) plans give you access to high-quality health care that's always close to home.

  • No referrals

    With Highmark Blue Cross Blue Shield, you never need a referral to see a specialist.

  • Low copays

    Copays as low as $15 when you need to see your doctor or specialist.

  • Low deductibles

    A range of deductibles plans starting as low as $0.

  • $0 prescriptions

    $0 copays on 85% of the most common prescription drugs.2

  • Dental and vision

    We have plans that include vision discounts and pediatric dental included in all plans.

Drawing of a pill bottle doctors mallet and stethoscope

The 10 Essential Health Benefits

All ACA plans cover preexisting conditions, plus the 10 Essential Health Benefits:

  • Outpatient care
  • Emergency services
  • Hospitalization (like surgery and overnight stays)
  • Pregnancy, maternity, and newborn care
  • Mental health and substance use disorder services
  • Prescription drugs
  • Rehabilitative and habilitative services and devices
  • Laboratory services
  • Preventive and wellness services and chronic disease management
  • Pediatric services, including dental and vision care

Get covered

View Summary of Benefits & Coverage

Individual and family plan offerings

Individual and family plan offerings

2024 Individual/Family ACA Health Plan Application

Highmark Blue Cross Blue Shield Individual Market Broker Compensation

1/1/2024 - 12/31/2024

Per Member Per Month (PMPM) / Per Contract Per Month (PCPM)

Western New York

New Business

$20.00 PMPM

Renewal Business

$20.00 PMPM

Bonus or incentive compensation may also apply and must be disclosed by the agent or broker.

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2Most common prescription drugs are made up of the top 100 non-voided, approved, in-network drug claims by Highmark ACA individual markets members in 2023. Vaccines are not included in this listing.