Health plans

To find the best health care coverage for you, consider your health care needs, your preferred providers, and your budget. Below you’ll find links to our health plans — click to learn more and see the options available for each type. Or you can find a detailed chart here to help you compare our plans.

Health plan types

• Keystone HMO Proactive plans: Our most popular plans, which focus on lower premiums and options to save on care with a tiered network. You still have access to the full provider network.
• Keystone HMO plans: With these plans, you would choose a primary care physician (PCP), who will coordinate your care.
• Personal Choice PPO plans: Offering the largest provider network, these plans also give you the freedom to see providers both in- and out-of-network without referrals.
• Personal Choice EPO plans: These plans offer in-network only coverage (except for emergencies), but your network includes the national BlueCard PPO network. You do not need to select a PCP or get referrals to see specialists.
• Personal Choice EPO Reserve plans: You’ll have coverage under an EPO plan, coupled with a tax-advantaged health savings account (HSA) for any qualified medical expenses.
• Personal Choice EPO Catastrophic plan: This health plan is for individuals younger than 30 and those with an extreme financial hardship.

Download the 2025 plan brochure

For easy reference, get a digital copy of the full 2025 health plans brochure. Use it to compare plan types, costs, coverage, and benefits.

Download brochure