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Understanding Your Options

At BlueCross BlueShield of Western New York, we offer a number of different individual and family plans including Platinum, Gold, Silver and Bronze. You have the flexibility to choose the plan that is best for you. Take advantage of our low-cost premium plans, $0 copay for preventive services, and coverage that is recognized nationwide.

All premiums listed represent coverage for dependents up to age 26. 

You may qualify for a subsidy to help pay for your health plan, making health insurance more affordable while giving you the coverage you need. 

 

Bronze Standard

Premium covers 60% of costs

Your Estimated Monthly Premium $473.82

In-Network Deductible
Individual $4,000.00 Family $8,000.00

Bronze Ind align

Premium covers 60% of costs

Your Estimated Monthly Premium $457.64

Optimum In-Network Deductible
Individual $5,500.00 Family $11,000.00

Bronze Ind focus

Premium covers 60% of costs

Your Estimated Monthly Premium $457.64

Optimum In-Network Deductible
Individual $5,500.00 Family $11,000.00

Silver Standard

Premium covers 70% of costs

Your Estimated Monthly Premium $577.70

In-Network Deductible
Individual $2,000.00 Family $4,000.00

Silver Ind align

Premium covers 70% of costs

Your Estimated Monthly Premium $523.96

Optimum In-Network Deductible
Individual $2,000.00 Family $4,000.00

Silver Ind focus

Premium covers 70% of costs

Your Estimated Monthly Premium $523.96

Optimum In-Network Deductible
Individual $2,000.00 Family $4,000.00

Gold Standard

Premium covers 80% of costs

Your Estimated Monthly Premium $687.06

In-Network Deductible
Individual $600.00 Family $1,200.00

Gold Ind align

Premium covers 80% of costs

Your Estimated Monthly Premium $626.11

Optimum In-Network Deductible
Individual $500.00 Family $1,000.00

Gold Ind focus

Premium covers 80% of costs

Your Estimated Monthly Premium $626.11

Optimum In-Network Deductible
Individual $500.00 Family $1,000.00

Platinum Standard

Premium covers 90% of costs

Your Estimated Monthly Premium $819.73

In-Network Deductible
Individual $0.00 Family $0.00

Platinum Ind align

Premium covers 90% of costs

Your Estimated Monthly Premium $741.55

Optimum In-Network Deductible
Individual $0.00 Family $0.00

Platinum Ind focus

Premium covers 90% of costs

Your Estimated Monthly Premium $741.55

Optimum In-Network Deductible
Individual $0.00 Family $0.00