Health Insurance For Individuals - Blue Cross Blue Shield of Arizona offers health plans specifically designed for Arizona residents who don't have health insurance through their employer. If this is your first time shopping for insurance, you may want to start by learning more about the plans from Blue Cross Blue Shield of Arizona.

Where do you live? There are three types of contracted health care providers that can save you money: BluePreferred, BlueSelect and Participating. You usually save the most with BluePreferred and BlueSelect providers. To determine which providers are available in your area, be sure to check the provider directories.

Which plan will be the most affordable for you? In most areas, BluePreferred Basic has the lowest premiums. BluePreferred Basic is a lower premium high-deductible PPO plan with copays for primary care office visits, generic medications and urgent care. To determine what's best for you, however, consider how often you visit the doctor and your willingness to use Preferred providers. Also think about if a higher deductible plan is the best plan for you.  With either BluePreferred or BlueClassic, you can keep your monthly premiums lower if you select a higher deductible.

Do you want a plan to use with a health savings account (HSA)? Both BluePreferred Saver PPO and BlueClassic Saver indemnity are high-deductible plans that meet federal requirements for use with a health savings account (HSA). To find out how BluePreferred Saver or BlueClassic Saver work with a HSA for tax advantages, please review the HSA Learning Center. You must satisfy certain criteria to be eligible to open and/or contribute to an HSA. Check with your tax or legal advisor regarding whether you satisfy these criteria.

BlueValue - BlueValue is a PPO plan with a mix of copay and coinsurance cost sharing, and the flexibility of fixed generic prescription copays. Choose from eight deductible levels. Choose BlueValue if you want...

• To pay for services with a blend of copays and coinsurance that result in a lower monthly premium
• No deductible for preventive care services

BlueEssential - BlueEssential is a low cost PPO plan with basic coverage and copays for a limited number of office visits per year. Choose from eight deductible levels. Choose BlueEssential if you want...

• A plan with low monthly payments designed for low utilization of services - about three Primary Care Physician visits per year usually will do
• $15 copays for generic prescriptions at in-network retail pharmacies
• No deductible for preventive care services

BluePortfolio -BluePortfolio is a qualified high deductible PPO Plan for use with a Health Savings Account (HSA). Choose from three deductible levels. Choose BluePortfolio if you want...

• More control over your health care expenses
• 100% in-network coverage after your deductible is met for most covered services
• A plan that can be paired with a Health Savings Account

BluePreferred - BluePreferred is a PPO that includes copays for certain covered services such as physician office visits with in-network providers. Choose from nine deductible levels. Choose BluePreferred if you want...

• Copays for in-network services, including physician office visits, urgent care, and prescriptionmedications from retail pharmacies

BluePreferred Basic - BluePreferred Basic is a high-deductible PPO plan with limited copays for some services. Choose six deductible levels. Choose BluePreferred Basic if you want...

• Copays for in-network PCP and urgent care visits
• Deductible and coinsurance for most other services

BlueSecure (Plus) - BlueSecure and BlueSecure Plus are two options for a Health Maintenance Organization (HMO) plan. Copays apply to many covered services. Primary Care Physician (PCP) referrals are not required for visits to network specialists. Except for emergencies, all covered services must be rendered by BlueSecure network providers. Choose BlueSecure or BlueSecure Plus if you want...

• An HMO plan that covers routine maternity after a 12-month waiting period
• Copays covering most services