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. 

WellFirst Health is a provider-owned health plan. It’s a true collaboration between health care experts, hospital partners and insurance providers, leading to a better value and beneficial experience for members. Our WellFirst Health Insurance™ offering focuses on helping you on your health journey. With its coordinated approach, the focus is on the doctor-patient relationship versus insurance company profits. It’s insurance that members can feel great about.

See 2022 plan book

Or order a printed copy.

Marketplace versus Direct

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  • You aren’t insured
  • You need help paying for insurance
  • You qualify for reduced premiums or cost sharing because of your income

Enroll online now
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  • You're looking for more plan options
  • If you want a quick, hassle-free way to buy
  • You don't qualify for reduced or cost-sharing premiums because of your income

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 2022 Marketplace options (PDF)

View 2022 Direct options (PDF)
Keeping it simple for you. The Classic Plan offers comprehensive coverage and simplicity, plus dependable copay options for prescriptions.

See 2022 Marketplace options (PDF)
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.

2022 Marketplace 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.
See 2022 Marketplace 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

See 2022 Marketplace options (PDF)

See 2022 Direct options (PDF)

Learn more about our 2022 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

service area map with counties and locations[enlarge the Individual & Family plan service map]


Individual & Family Q&A

Learn more about health insurance basics.

Open enrollment reminder

Open enrollment is currently closed. Sign up to receive an email reminder sent to your inbox that will notify you when open enrollment becomes available later this year.

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