All 50 states + DCBlueCross BlueShield plans — compared by total cost, not just premium.
BlueCross BlueShield operates the largest provider network in the U.S. — over 1.7 million providers across all 50 states. Our agents compare BCBS plans by total cost (premium + deductible + OOP max), not just premium, so you see what you'll actually spend in a year.
What makes BlueCross BlueShield different — and when it saves you money.
In-network coverage in all 50 states. Ideal for travel nurses, OTR drivers, and anyone who moves between states.
Most BCBS marketplace plans qualify for ACA subsidies. 4 out of 5 enrollees get tax credits.
Our agents compare premium + deductible + out-of-pocket max — the real annual cost, not just the sticker price.
Your agent verifies your prescriptions are covered in the plan's formulary before you enroll.
BlueCross BlueShield plans — in plain English.
Cost range: $180–$520/mo after subsidies (total cost varies by plan tier, age, and ZIP).
National network, no referrals. Best for people who want maximum flexibility.
Lower premiums, coordinated care. Best for people who want a single doctor managing everything.
High deductible, low premium. Tax-advantaged HSA savings. Best for healthy adults and self-employed.
Twelve minutes, scripted.
We'll lay out exactly what your agent will ask, in what order, and why - so you know what to have in front of you before you pick up the phone.
A licensed agent picks up
No phone tree, no transfers, no hold music. Median answer time: 38 seconds.
They ask your ZIP and the ages of anyone covered
So they can pull plans actually available in your state - and confirm the right metal tier for your household.
They ask which doctors and meds matter to you
So they can rule out plans that don't include your providers or formulary. This is the step the marketplace skips.
They show you 3–5 plans side-by-side
Premium, deductible, max out-of-pocket, network size, and a plain-English read on what each gets you.
You pick - they enroll you on the call
Same call. Effective date is typically the 1st of next month. Confirmation by email and SMS within an hour.
You hang up insured
No follow-up sales calls, no info sold to anyone. If you change your mind, we have a 30-day support window - same agent.
You pay nothing. Ever.
We're paid a flat commission by the carrier when you enroll - the same amount whether you pick a BlueCross PPO or an Ambetter HMO. We have zero incentive to push you toward anything but the plan that fits. We don't sell your information. We don't email you for weeks.
Common questions about BlueCross BlueShield plans.
Total cost = premium + deductible + out-of-pocket max. Most people we help pay $180–$520/mo after subsidies. A $200/mo plan with a $9,000 deductible costs more than a $340/mo plan with a $2,000 deductible. Your agent compares total cost across all BCBS tiers.
Very likely. Roughly 4 out of 5 marketplace enrollees qualify. BCBS marketplace plans are subsidy-eligible. Your agent checks in real time.
Yes — BCBS PPO plans have one of the largest national networks. In-network providers in every state. Ideal for OTR drivers, travel nurses, and remote workers.
Your agent checks your specific providers against the BCBS network before you enroll. If they're not covered, we tell you upfront.
Depends on your ZIP, your doctors, and your meds. BCBS has the largest network overall, but UHC or Aetna may be cheaper in your area. That's exactly what our agent compares.
No. We're one brokerage, not a lead-gen site. No spam, no drip campaigns, no selling your number. BBB A+ rated.
100% free to you. Carriers pay us a flat commission — same amount regardless of which plan you pick.
12 minutes. Real savings.
Your agent compares BlueCross BlueShield by total cost against 5+ other carriers. One call, $0 fee.
(866) 605-0702