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Health Insurance

As you shop for a health plans, it’s important to know your options. There are different types of plans available for you to consider.
Short-term Health Plans (non ACA-Compliant)

  • Low-cost plans
  • Choose the length of coverage you need
  • Includes doctor visits*, hospital stays and more
  • Choice of deductibles, coinsurance and out-of-pocket amounts
  • Add Rx drug benefits, out-of-pocket expense coverage, and telemedicine
  • Enroll any time of the year; there’s no deadline
  • Excludes pre-existing medical conditions
  • Plans are not ACA-compliant, which means you may pay a tax penalty.**
OR

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How STM Works Flyer


Youtube Video

Medical Plan Options
2:49 min.

Short-term medical (STM) insurance is temporary coverage with limited benefits. It is not ACA-compliant, doesn't cover pre-existing conditions and is not guaranteed-issue. You may still be subject to a federal tax penalty.
STM plans are offered by The IHC Group and underwritten by Standard Security Life Insurance Company of New York (SSL). The IHC Group and SSL are independent companies that do not provide, offer or sell BCBSAZ products or services and are solely responsible for the products and services they provide.
*The number of copay-eligible office visits you’ll receive are per person and depend on the length of coverage.
**Coverage for an ACA plan is considered to be unaffordable if the lowest cost Bronze-level plan available to you through the Marketplace in 2017 is more than 8.13% of your household income. Information should not be construed as tax advice. Consult your tax advisor for more information.
Affordable Care Act (ACA) Health Plans

  • Annual comprehensive medical coverage including doctor visits, emergency and urgent care, hospital stays, prescription drugs, etc.*
  • Choice of deductibles, coinsurance and out-of-pocket amounts
  • $0 preventive services such as checkups, flu shots, cholesterol screenings and more**
  • Must enroll November 1, 2016 – January 1, 2017
  • Coverage for pre-existing medical conditions

Youtube Video

How to Enroll on the Marketplace
2:22 min.

*All plans for individuals and families do not cover services outside of the network, except for emergencies and other limited situations with BCBSAZ pre-approval. All plans have limits, exceptions and member cost share requirements.
**Applies to covered services submitted with a preventive diagnosis.