Choosing a Plan: Individual & Family Health Insurance

Why choose a Bright HealthCare Individual & Family plan? From quality Care Partners to Family-friendly benefits – there are lots of reasons bright reasons to choose Bright HealthCare.

All the bright reasons to choose Bright HealthCare

Our Care Partners make all the difference

Our exclusive Care Partners are some of the best reasons to choose Bright HealthCare. They are a carefully curated network of doctors, clinics and hospitals that provide quality, affordable healthcare that’s personalized to your needs.

Great family-friendly benefits

Some of our great benefits are available on ALL of our Individual & Family plans, so whatever plan you choose, you’ll have access.

Fast & convenient telehealth services

Bright HealthCare members have convenient access to phone or video appointments through our partnership with Doctor on Demand. See quality caregivers from the comfort of your home or…anywhere.

Additional Plan Information

Off-exchange plans

You can purchase a Bright HealthCare plan directly or through your agent, outside of the ACA exchange.

Learn about the benefits of ICHRA

An Individual Coverage Health Reimbursement Arrangement allows employers to reimburse employees for insurance rather than choosing it for them. ICHRAs are a great alternative to group health benefits.

American Rescue Plan

The American Rescue Plan offers new ways to save even more on your healthcare costs by lowering your monthly premium expenses through subsidies or tax credits. Learn more about the plan to see if you qualify and contact a broker for help navigating the application process.

Enrollment Help

Why use a health insurance agent

Why go it alone? An expert health insurance agent – or broker – can take all the hassles out of shopping for health insurance. They’ll help you choose the plan that’s right for you. Click above to find a licensed agent.

Bright HealthCare Authorized Enrollment Centers are offices in your area where you can meet in person with a licensed agent or broker to sign up for Bright HealthCare Individual & Family health insurance plans – or just get your questions answered.

Marketplace Navigators FAQs

Trained and unbiased, Individual & Family Health Insurance Marketplace navigators are free to use and will help you find the best healthcare plan for the lowest price ... at no cost to you on the federal Marketplace, or exchange,

Health Insurance Basics

How to get ACA subsidies

Thanks to the ACA (also known as Obamacare) everyone is now eligible for health insurance. This means your monthly premiums can be dramatically reduced. You may be eligible for health insurance subsidies based on your household size or income.

Special Enrollment Period

You can enroll in health insurance any time of the year if you have a life-changing event, such as changing jobs, getting married, having a baby or turning 26. Learn more by clicking the link above.


Health insurance can be confusing, but our mission is to make it easier. See our FAQ page to learn more about Bright HealthCare and things like Open Enrollment, our Individual & Family Insurance plans, the Affordable Care Act (ACA), Special Enrollment and much more.

Ready to find your Bright HealthCare plan?

See if you qualify for government healthcare subsidies in just a few steps. And then look at plans and enroll. Give us a call at 833-356-1182 or meet with a broker or visit with an independent healthcare Marketplace navigator today for some hands-on help. We’re happy to answer questions, save you some $$$ and get you covered.

By entering my phone number, I agree that Bright HealthCare and/or a sales agent may call me 8am - 8pm local time M-F, provide me with information about the plan, and answer any questions I may have.

Bright HealthCare has partnered with Doctor On Demand to provide telehealth services to our members in a way that complies with our Certificates of Coverage and applicable state law. Doctor On Demand provides many telehealth and in-person services, but you do not have to use Doctor On Demand for your telehealth services. You may choose any in-network provider that offers telehealth services. Examples of in-network providers are providers that we contract with to accept Bright HealthCare insurance, such as your primary care provider, treating specialist, or organizations that provide medical care, such as a clinic or health facility.

Before you see an out-of-network provider for in-person or telehealth services, check the coverage guidelines in your Certificate of Coverage. There, you can read about how your costs and balance billing protections change when you use an out-of-network provider instead of an in-network provider.