Individual and family health plans
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Compare 2025 Health Plans

This chart compares health plan benefits and estimated out-of-pocket costs for Independence Blue Cross in-network services — including doctor and hospital visits, specialty care, and prescription drugs. Deductible amounts shown are for individuals.

For more details, review each plan’s Summary of Benefits and Coverage. Or, use our guided shopping tool to get custom recommendations for the most affordable options and best health plan match for you.

Click the + to expand that row for more details about the plan.

Plan name

Deductible

Primary care physician visit

Specialist visit

Inpatient hospital

Low-cost generic prescription
Keystone HMO Gold Proactive

Tier 1: $0
Tier 2: $0
Tier 3: $0

Tier 1: $15
Tier 2: $30
Tier 3: $45

Tier 1: $40
Tier 2: $60
Tier 3: $80

Tier 1: $350/day1
Tier 2: $700/day1
Tier 3: $1,100/day1

$3
Prescription drug
  • Low-cost generic: $3
  • Generic: $20
  • Preferred brand: $100
  • Non-preferred brand: 50% up to $300 copay max/fill
  • Search for a drug
  • Mandatory Generic Drugs Icon
  • Preferred Pharmacy Icon
Plan details

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Keystone HMO Gold

$0

$35

$65

$750/day1

$3
Prescription drug
  • Low-cost generic: $3
  • Generic: $20
  • Preferred brand: $100
  • Non-preferred brand: 50% up to $200 copay max/fill
  • Search for a drug
  • Standard pharmacy network Icon
Plan details

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Keystone HMO Gold Classic

$500

$40 no deductible

$80 no deductible

20% after deductible

$3
Prescription drug
  • Low-cost generic: $3
  • Generic: $20
  • Preferred brand: $100
  • Non-preferred brand: 50% up to $200 copay max
  • Search for a drug
  • Available On Exchange Icon
  • Standard pharmacy network Icon
Plan details

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Star Indicating Most Popular Plan
Personal Choice® PPO Gold

$0

$30

$65

$750/day1

$3
Prescription drug
  • Low-cost generic: $3
  • Generic: $20
  • Preferred brand: $100
  • Non-preferred brand: 50% up to $200 copay max/fill
  • Search for a drug
  • Standard pharmacy network Icon
Plan details

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Personal Choice® PPO Gold Classic

$1,250

20% no deductible

20% after deductible

20% after deductible

$3
Prescription drug
  • Low-cost generic: $3
  • Generic: $20
  • Preferred brand: $100
  • Non-preferred brand: 50% up to $200 copay max/fill
  • Search for a drug
  • Available On Exchange Icon
  • Standard pharmacy network Icon
Plan details

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Personal Choice® PPO Gold Preferred

$0

$15

$15

$500/day1

$3
Prescription drug
  • Low-cost generic: $3
  • Generic: $15
  • Preferred brand: $100
  • Non-preferred brand: 50% up to $200 copay max/fill
  • Search for a drug
  • Standard pharmacy network Icon
Plan details

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Star Indicating Most Popular Plan
Keystone HMO Silver Proactive

Tier 1: $0
Tier 2: $6,000
Tier 3: $6,000

Tier 1: $40
Tier 2: $70 no deductible
Tier 3: $80 no deductible

Tier 1: $90
Tier 2: $140 no deductible
Tier 3: $150 no deductible

Tier 1: $600/day1
Tier 2: Subject to deductible and $900/day1
Tier 3: Subject to deductible and $1,300/day1

$7 no deductible
Prescription drug
  • Low-cost generic: $7 no deductible
  • Generic: $25 no deductible
  • Preferred brand: $100 after deductible
  • Non-preferred brand: 50% after ded up to $500 copay max
  • Search for a drug
  • Mandatory Generic Drugs Icon
  • Available On Exchange Icon
  • Preferred Pharmacy Icon
Plan details

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Keystone HMO Silver Proactive Lite

Tier 1: $2,000
Tier 2: $6,500
Tier 3: $6,500

Tier 1: $50 no deductible
Tier 2: $60 no deductible
Tier 3: $70 no deductible

Tier 1: $90 no deductible
Tier 2: $120 no deductible
Tier 3: $140 no deductible

Tier 1: Subject to deductible and $600/day1
Tier 2: Subject to deductible and $900/day1
Tier 3: Subject to deductible and $1,300/day1

$5 no deductible
Prescription drug
  • Low-cost generic: $5 no deductible
  • Generic: $20 no deductible
  • Preferred brand: $90 after deductible
  • Non-preferred brand: 50% after ded up to $500 copay max/fill
  • Search for a drug
  • Mandatory Generic Drugs Icon
  • Available On Exchange Icon
  • Preferred Pharmacy Icon
Plan details

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Keystone HMO Silver Proactive Select

Tier 1: $0
Tier 2: $6,000
Tier 3: $6,000

Tier 1: $40
Tier 2: $70 no deductible
Tier 3: $80 no deductible

Tier 1: $90
Tier 2: $140 no deductible
Tier 3: $150 no deductible

Tier 1: $600/day1
Tier 2: Subject to deductible and $900/day1
Tier 3: Subject to deductible and $1,300/day1

$5 no deductible
Prescription drug
  • Low-cost generic: $5 no deductible
  • Generic: $25 no deductible
  • Preferred brand: $100 after deductible
  • Non-preferred brand: 50% after ded up to $500 copay max/fill
  • Search for a drug
  • Mandatory Generic Drugs Icon
  • Available Off Exchange Icon
  • Preferred Pharmacy Icon
Plan details

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Star Indicating Most Popular PlanKeystone HMO Silver Proactive Basic

Tier 1: $2,500
Tier 2: $7,000
Tier 3: $7,000

Tier 1: $50 no deductible
Tier 2: $60 no deductible
Tier 3: $70 no deductible

Tier 1: $100 no deductible
Tier 2: $120 no deductible
Tier 3: $140 no deductible

Tier 1: Subject to deductible and $600/day1
Tier 2: Subject to deductible and $900/day1
Tier 3: Subject to deductible and $1,300/day1

$5 no deductible
Prescription drug
  • Low-cost generic: $5 no deductible
  • Generic: $20 no deductible
  • Preferred brand: 50% after ded up to $400 copay max/fill
  • Non-preferred brand: 50% after ded up to $500 copay max/fill
  • Search for a drug
  • Mandatory Generic Drugs Icon
  • Available On Exchange Icon
  • Preferred Pharmacy Icon
Plan details

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Star Indicating Most Popular Plan
Keystone HMO Silver Proactive Value

Tier 1: $1,500
Tier 2: $6,000
Tier 3: $6,000

Tier 1: $40 no deductible
Tier 2: $60 no deductible
Tier 3: $70 no deductible

Tier 1: $80 no deductible
Tier 2: $120 no deductible
Tier 3: $140 no deductible

Tier 1: Subject to deductible and $600/day1
Tier 2: Subject to deductible and $900/day1
Tier 3: Subject to deductible and $1,300/day1

$5 no deductible
Prescription drug
  • Low-cost generic: $5 no deductible
  • Generic: $20 no deductible
  • Preferred brand: $100 after deductible
  • Non-preferred brand: 50% after ded up to $500 copay max/fill
  • Search for a drug
  • Mandatory Generic Drugs Icon
  • Available Off Exchange Icon
  • Preferred Pharmacy Icon
Plan details

Summary of Benefits and Coverage
Benefits chart
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Star Indicating Most Popular Plan
Keystone HMO Silver Proactive Essential

Tier 1: $5,000
Tier 2: $8,000
Tier 3: $8,000

Tier 1: $50 no deductible
Tier 2: $60 no deductible
Tier 3: $70 no deductible

Tier 1: $100 no deductible
Tier 2: $120 no deductible
Tier 3: $140 no deductible

Tier 1: Subject to deductible and $600/day1
Tier 2: Subject to deductible and $900/day1
Tier 3: Subject to deductible and $1,300/day1

$5 no deductible
Prescription drug
  • Low-cost generic: $5 no deductible
  • Generic: $25 no deductible
  • Preferred brand: 50% after ded up to $400 copay max/fill
  • Non-preferred brand: 50% after ded up to $500 copay max/fill
  • Search for a drug
  • Mandatory Generic Drugs Icon
  • Available On Exchange Icon
  • Preferred Pharmacy Icon
Plan details

Summary of Benefits and Coverage
Benefits chart
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Keystone HMO Silver Classic

$3,500

$35 no deductible

$80 no deductible

30% after deductible

$3 no deductible (Integrated with Medical ded)
Prescription drug
  • Low-cost generic: $3 no deductible (Integrated with Medical ded)
  • Generic: $20 no deductible
  • Preferred brand: 50% after ded up to $300 copay max/fill
  • Non-preferred brand: 50% after ded up to $400 copay max/fill
  • Search for a drug
  • Mandatory Generic Drugs Icon
  • Available On Exchange Icon
  • Preferred Pharmacy Icon
Plan details

Summary of Benefits and Coverage
Benefits chart
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Keystone HMO Silver Basic

$5,500

$35 no deductible

$80 no deductible

50% after deductible

$3 no deductible (Integrated with Medical ded)
Prescription drug
  • Low-cost generic: $3 no deductible (Integrated with Medical ded)
  • Generic: $20 no deductible
  • Preferred brand: 50% after ded up to $300 copay max/fill
  • Non-preferred brand: 50% after ded up to $400 copay max/fill
  • Search for a drug
  • Mandatory Generic Drugs Icon
  • Available On Exchange Icon
  • Preferred Pharmacy Icon
Plan details

Summary of Benefits and Coverage
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Personal Choice® PPO Silver Classic

$3,500

$30 no deductible

$75 no deductible

25% after deductible

$3 no deductible (Integrated with Medical ded)
Prescription drug
  • Low-cost generic: $3 no deductible (Integrated with Medical ded)
  • Generic: $20 no deductible
  • Preferred brand: 50% after ded up to $300 copay max/fill
  • Non-preferred brand: 50% after ded up to $400 copay max/fill
  • Search for a drug
  • Mandatory Generic Drugs Icon
  • Available On Exchange Icon
  • Preferred Pharmacy Icon
Plan details

Summary of Benefits and Coverage
Benefits chart
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New Plan
Personal Choice® PPO Silver Basic

$4,000

$35 no deductible

$80 no deductible

25% after deductible

$3 no deductible (Integrated with Medical ded)
Prescription drug
  • Low-cost generic: $3 no deductible (Integrated with Medical ded)
  • Generic: $20 no deductible
  • Preferred brand: 50% after ded up to $300 copay max/fill
  • Non-preferred brand: 50% after ded up to $400 copay max/fill
  • Search for a drug
  • Mandatory Generic Drugs Icon
  • Available Off Exchange Icon
  • Preferred Pharmacy Icon
Plan details

Summary of Benefits and Coverage
Benefits chart
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Star Indicating Most Popular Plan
Keystone HMO Bronze

$8,500

$75 no deductible

$150 no deductible

Subject to deductible and $700/day1

$5 no deductible (Integrated with Medical ded)
Prescription drug
  • Low-cost generic: $5 no deductible (Integrated with Medical ded)
  • Generic: $25 no deductible
  • Preferred brand: 50% after ded up to $300 copay max/fill
  • Non-preferred brand: 50% after ded up to $400 copay max/fill
  • Search for a drug
  • Mandatory Generic Drugs Icon
  • Preferred Pharmacy Icon
Plan details

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Personal Choice® PPO Bronze

$6,000

50% no deductible

50% after deductible

25% after deductible

$5 no deductible (Integrated with Medical ded)
Prescription drug
  • Low-cost generic: $5 no deductible (Integrated with Medical ded)
  • Generic: $35 no deductible
  • Preferred brand: 50% after deductible
  • Non-preferred brand: 50% after deductible
  • Search for a drug
  • Mandatory Generic Drugs Icon
  • Preferred Pharmacy Icon
Plan details

Summary of Benefits and Coverage
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Personal Choice® EPO Bronze Reserve

$7,450

0% after deductible

0% after deductible

0% after deductible

0% after deductible (Integrated with Medical ded)
Prescription drug
  • Low-cost generic: 0% after deductible (Integrated with Medical ded)
  • Generic: 0% after deductible
  • Preferred brand: 0% after deductible
  • Non-preferred brand: 0% after deductible
  • Search for a drug
  • HSA Icon
  • Mandatory Generic Drugs Icon
  • Preferred Pharmacy Icon
Plan details

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Personal Choice® EPO Bronze Classic

$4,200

$65 no deductible

$65 no deductible

50% after deductible

$5 no deductible (Integrated with Medical ded)
Prescription drug
  • Low-cost generic: $5 no deductible (Integrated with Medical ded)
  • Generic: 50% after deductible
  • Preferred brand: 50% after deductible
  • Non-preferred brand: 50% after deductible
  • Search for a drug
  • Mandatory Generic Drugs Icon
  • Preferred Pharmacy Icon
Plan details

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Personal Choice® EPO Bronze Basic

$9,200

Visits 1-3: $20 no deductible
Visits 4+: 0% after deductible

0% after deductible

0% after deductible

$5 no deductible (Integrated with Medical ded)
Prescription drug
  • Low-cost generic: $5 no deductible (Integrated with Medical ded)
  • Generic: $25 no deductible
  • Preferred brand: 0% after deductible
  • Non-preferred brand: 0% after deductible
  • Search for a drug
  • Mandatory Generic Drugs Icon
  • Preferred Pharmacy Icon
Plan details

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Personal Choice® EPO Catastrophic

$9,200

Visits 1-3: $50 no deductible
Visits 4+: 0% after deductible

0% after deductible

0% after deductible

0% after deductible (Integrated with Medical ded)
Prescription drug
  • Low-cost generic: 0% after deductible (Integrated with Medical ded)
  • Generic: 0% after deductible
  • Preferred brand: 0% after deductible
  • Non-preferred brand: 0% after deductible
  • Search for a drug
  • Mandatory Generic Drugs Icon
  • Preferred Pharmacy Icon
Plan details

Summary of Benefits and Coverage
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Legend

  • Most popular plans = Most popular plans
  • HSA Icon This plan is compatible with a health savings account.
  • Mandatory Generic Drugs Icon Mandatory Generics – If you get a brand name drug when a generic is available, you pay the difference in cost plus the brand name cost-sharing.
  • Available Off Exchange Icon Off-exchange only – Plan can only be purchased through IBX directly and is not available on Pennie.
  • Available On Exchange Icon On-exchange only – Plan is only available for purchase through Pennie.
  • Preferred Pharmacy Icon Preferred Pharmacy network includes more than 58,000 pharmacies.
  • Standard pharmacy network Icon Standard pharmacy network includes more than 68,000 pharmacies.

ded = Deductible

1 Amount shown reflects copay per day. There is a maximum of 5 copays per admission.