Individual & family plans

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You matter to us!

Your well-being is what’s most important to us at WellFirst Health. And because insurance can be confusing, we want to make that part easy for you. 

See 2023 plan book

See 2022 plan book

Or order a printed copy.

Marketplace versus Direct

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Marketplace

  • You're currently uninsured or newly eligible for individual coverage
  • You need help paying for insurance
  • You need to determine if your income qualifies for reduced premiums or cost sharing using our calculator

Enroll online now
Young couple biking together outside

Direct

  • You're looking for more insurance plan options and additional benefits
  • You want a quick, hassle-free way to buy
  • You don't qualify for reduced or cost-sharing premiums because of your income

Download 2023 application
Download 2022 application


Individual and family plan options

We have health insurance plans to fit your lifestyle and budget. Whether you’re looking for a lower-premium plan, to limit your overall out-of-pocket, or even just for a catastrophic safety net plan, we’re here for you.

You don’t like surprise bills? This may be the plan for you. These plans offer:
  • Low copays for office visits and many prescription drugs
  • Affordable deductible and coinsurance options
  • An easy way to build a relationship with a provider

View 2023 Marketplace options
View 2022 Marketplace options

View 2023 Direct options
View 2022 Direct options
You keep yourself healthy with regular visits to your PCP. Our Copay PCP plans keep your premiums low, and offer you the best value for your regular PCP visits and generic prescription drugs.
  • Affordable primary care and generic drug copays to cover your health concerns and maintenance
  • Affordable deductible and coinsurance options
  • An easy way to maintain or build your relationship with your provider
  • Lower monthly premium savings 
See Marketplace options
See Direct options
If you prefer the lower premiums of a high-deductible plan along with low out-of-pocket costs for doctor visits, WellFirst has you covered. Our Value Copay Plan options are here to meet your needs.

2023 Marketplace options (PDF)
2022 Marketplace options (PDF)

2023 Direct options (PDF)
2022 Direct options (PDF)
If you’re a saver you can take advantage of a health savings account (HSA) to cover your medical bills. We have excellent options. Combine a high-deductible health plan (HDHP) with an HSA for more financial freedom and flexibility.

See our Q&A

2023 Marketplace options (PDF)
2022 Marketplace options (PDF)

2023 Direct options (PDF)
2022 Direct options (PDF)
Safety Net Plans or Catastrophic Plans are available for those who:
  • Are under the age 30
  • Meet income guidelines
  • Are comfortable with their health status
  • Our Safety Net Plan offers a high deductible and three FREE office visits. Remember that government price breaks are not available with the Safety Net Plan.

2023 Marketplace options (PDF)
2022 Marketplace options (PDF)
 
Simplify your shopping experience with standard plans. Standard plans make it easy to shop across all of the important services you need. Our standard plans are offered at every network type, metal tier, and in every service area that we offer coverage.

See 2023 Marketplace options (PDF)
 


Learn more about our plans

Our plans not only offer the 10 essential health benefits, but $0 preventive services and additional benefits to put your health and wellness first: 

Metal tiers

All Individual & family plans are divided into metal categories. These categories show how you and your plan share costs. No matter which category your plan falls in, the quality of care does not change.


Individual & Family plan service area map

6-county service area map


 

Individual & Family Q&A

Learn more about health insurance basics.


Open enrollment now in progress!

Enroll now

Special enrollment information

Outside open enrollment, you can enroll in new coverage or make changes to your existing policy—if you have a certain life event that qualifies you for a special enrollment period. See special enrollment details