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Deadline for January 1 health care coverage fast approaching

Independence Blue Cross urges consumers to sign up for a health insurance plan by December 15 for January 1 coverage.

As 2023 nears a close and the holiday season begins, Independence Blue Cross (IBX) encourages consumers to enroll in a health care plan by December 15 to secure coverage starting on January 1, 2024. Anyone in Pennsylvania who does not have health care coverage through an employer or a government program can enroll in health insurance for themselves and their families through the Pennie exchange or directly on

IBX also recommends that consumers not wait until the last minute to enroll in health insurance to ensure they receive their new member ID card by the start of 2024.

“Ensuring that members of the community are adequately covered for 2024 is a crucial part of protecting the health and well-being of our neighbors. Having quality health insurance is a critical step in maintaining good health, and we want to emphasize the importance of timely enrollment to ensure uninterrupted coverage as the new year approaches,” said Koleen Cavanaugh, senior vice president and chief marketing officer for Independence Blue Cross.

Affordability and Tax Credit Availability

IBX remains committed to providing a wide range of health plans, offering comprehensive health care coverage and the region’s strongest network for quality health care. Pennsylvanians who do not have health care coverage through an employer or government program may qualify for premium tax credits to lower their monthly premiums for 2024.

For those who have not applied in the past, IBX recommends consumers look to see if they are eligible for tax credits. IBX’s website includes a subsidy calculator to help consumers determine if they qualify for financial assistance to lower their monthly health plan premiums. Pennie will make the final determination of tax credit or premium subsidy eligibility.

Important Dates to Remember 

December 15, 2023 Deadline to enroll in a health plan for health care coverage effective January 1, 2024.


January 15, 2024 Open Enrollment ends. This is the final day individuals can enroll in health care coverage for 2024.



How to Sign Up for Health Care Coverage

On the telephone

IBX-licensed agents are available by telephone at 1-888-475-6206 (TTY: 711) to answer questions and help consumers enroll in health care coverage from Monday to Friday, 8 a.m. to 8 p.m., Saturday and Sunday, 8 a.m. to 5 p.m., except major holidays.


Consumers can visit to find the health insurance that is right for them and enroll in a health plan directly with IBX. The state-based exchange,, is the only place consumers can enroll in health plans with financial assistance, and Pennie will make the final determination for tax credit or premium subsidy eligibility.

In person

Consumers can visit Independence LIVE on the second floor of 1919 Market Street in Philadelphia to meet with a licensed agent and enroll in a 2024 health plan, Monday to Friday, 8 a.m. to 4 p.m., except major holidays.

For Spanish-speaking consumers, IBX has licensed, Spanish-speaking sales agents available by phone at 1-844-315-4884. There is also an easy-to-use Spanish-language website at


Media contact:
Josh Arnold
484-919-6946 (cell)