If you're concerned about health insurance costs, you may be able to get help:
Individual & Family
Get the Most Value From Your 2026 Coverage
Health care coverage protects you and your family from the unexpected. With $0 preventive care, strong networks, wellness rewards and more, it's important to find a 2026 health care plan during Open Enrollment. Make sure you enroll by Dec. 15 for coverage starting Jan. 1.
PLAN SAVINGS
Learn More About Health Plan Savings
Premium Tax Credits
Premium tax credits are determined by the government based on things like your annual income, address and family size. Visit our shopping platform to learn if you qualify.
Cost Sharing Assistance
You may qualify for cost sharing assistance, often in the form of cost-sharing reductions (CSR), to lower costs like copay or coinsurance.
ICHRA
If your employer offers an ICHRA, or Individual Coverage Health Reimbursement Arrangement, you could be reimbursed for your plan or care costs.
More Tips to Save On Health Care Costs
- Find Your Right Plan
- Check Your Network
- Save on Prescriptions
- Use Member Perks
- Focus on Preventive Health
Where Your Premiums Go
Under the Affordable Care Act, all individual and family plans are required to spend at least 80% of your deductible on care. This helps make sure you're getting a fair value for your plan. Here are just a few examples of what your deductible could go towards:
- Claims for covered health care
- Health and wellness programs
- Helping you manage chronic conditions
This percentage is known as the Medical Loss Ratio (MLR). If we're out of alignment for the ACA requirements, we'll send you a check covering the difference.
TESTIMONIALS
What Members are Saying2
"I feel very comfortable knowing that whatever comes my way to help manage my care and my quality of life, Blue Cross will work with me to find the provider and the care I need to make sure my care doesn't skip a beat."
- Victoria A.
"Issues are going to come up no matter what provider or policy you have. Being able to deal with those effectively is huge to me. Blue Cross Blue Shield takes the worries off your plate."
- Colleen M.
1Well onTarget and AlwaysOn are owned and operated by Onlife Health Inc. an independent company that provides digital health management for members with coverage through Blue Cross and Blue Shield Plans in Illinois, Montana, New Mexico, Oklahoma and Texas. No endorsements, representations or warranties are made regarding third-party vendors and the products and services offered by them.
Blue Points Program Rules are subject to change without prior notice. See the Program Rules on the Well onTarget Member Wellness Portal at wellontarget.com for further information. The Well onTarget member rewards redemption services is provided by an independent third party.
2Paid endorsements