How Do I Buy an Individual Health Plan?

How Do I Buy an Individual Health Plan?

You can buy a health plan during two periods of time. First there's the "open enrollment period" that runs from Nov. 1 through Dec. 15. We’re now in what’s called a “special enrollment period.” To buy a health plan during special enrollment, you must have had a qualifying "life event" within the past 60 days. Examples of life events include losing your job, moving to a new area, getting married or having a child.

Don’t worry; Blue Cross and Blue Shield of Texas (BCBSTX) offer tools – like Provider Finder and Premium Tax Estimator – to help you understand your options and simplify the health plan shopping process. Visit to view and compare all BCBSTX family and individual health plans available to you, including the plans offered on the Health Insurance Marketplace.

Provider Finder lets you search our large network of doctors, dentist, hospitals and other health providers. You can look for a new doctor in your area that accepts the family or individual health plan you’re thinking of purchasing. You can also check if your current doctor accepts the family or individual health plan you’re thinking of purchasing.

Premium Tax Estimator gives you an estimate of how much financial assistance you may qualify for based on income and household size. This premium tax credit amount is only an estimate. Your official premium tax credit will come from the Health Insurance Marketplace.

If you’re on any prescription drugs, you’ll want to check the standard drug list and generic drug list to make sure the plan covers your medication.

After you’ve selected a plan that fits your budget, medical and prescription drug needs, you can track your application status with Enrollment Tracker.

If online shopping just isn’t for you, try calling us at 1-888-731-0383.

 How to enroll in a BCBSTX plan

If you have questions, we can help! Call 855-604-1515, scroll through our Buyer’s Guide.

Last Updated: 10/22/2018