See if you may qualify for a subsidy. Call your independent broker or contact us directly at (TTY: 711) or visit ibx4you.com/subsidy.

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1 Monthly premiums The chart below shows monthly premium rates. Rates are based on geographic area, age, tobacco use, and family size. You may qualify to get a lower bill than what you see listed below through a subsidy. Non-tobacco See if you may qualify for a subsidy Call your independent broker or contact us directly at (TTY: 711) or visit ibx4you.com/subsidy. Age Personal Choice EPO Platinum $ $ $ $ $ $ $ $ $ $ $ $ Keystone HMO Platinum $ $ $ $ $ $ $ $ $ $ $ $ Personal Choice PPO Gold $ $ $ $ $ $ $ $ $ $ $ $ Keystone HMO Gold $ $ $ $ $ $ $ $ $ $ $ $ Keystone HMO Gold Proactive $ $ $ $ $ $ $ $ $ $ $ $ Personal Choice PPO Silver $ $ $ $ $ $ $ $ $ $ $ $ Personal Choice EPO Silver Reserve $ $ $ $ $ $ $ $ $ $ $ $ Personal Choice EPO Silver Reserve Select* $ $ $ $ $ $ $ $ $ $ $ $ Keystone HMO Silver* $ $ $ $ $ $ $ $ $ $ $ $ Keystone HMO Silver Proactive $ $ $ $ $ $ $ $ $ $ $ $ Keystone HMO Silver Proactive Select* $ $ $ $ $ $ $ $ $ $ $ $ Keystone HMO Silver Proactive Value* $ $ $ $ $ $ $ $ $ $ $ $ Personal Choice PPO Bronze $ $ $ $ $ $ $ $ $ $ $ $ Personal Choice EPO Bronze Reserve $ $ $ $ $ $ $ $ $ $ $ $ Personal Choice EPO Bronze Basic* $ $ $ $ $ $ $ $ $ $ $ $ Keystone HMO Bronze* $ $ $ $ $ $ $ $ $ $ $ $ Personal Choice EPO Catastrophic** $ $ $ $ $ $ $ $ $ $ $ $ Find your individual monthly rate: 1. If you do not use tobacco, refer to the set of plans under Non-tobacco. If you use tobacco, refer to set of plans under. Please note rates are applicable to applicants 21 and older. 2. Look at the first column to narrow down your plan type platinum, gold, silver, bronze, or catastrophic. 3. Find the name of the plan you re interested in and scan the row to the right until you find the rate that matches the column with your age. If you want to see other plan rates you may be eligible for, look up or down within your age column to compare prices. Find your family monthly rate: 1. Follow steps 1 3 above for each person in your family. 2. Add the rates together. If you are purchasing a policy including more than three children under 21, only the rates for the oldest three children are included in your total. Age Rate Age Personal Choice EPO Platinum $ $ $ $ $ $ $ $ $ $ $ $ Keystone HMO Platinum $ $ $ $ $ $ $ $ $ $ $ $ Personal Choice PPO Gold $ $ $ $ $ $ $ $ $ $ $ $ Keystone HMO Gold $ $ $ $ $ $ $ $ $ $ $ $ Keystone HMO Gold Proactive $ $ $ $ $ $ $ $ $ $ $ $ Personal Choice PPO Silver $ $ $ $ $ $ $ $ $ $ $ $ Personal Choice EPO Silver Reserve $ $ $ $ $ $ $ $ $ $ $ $ Personal Choice EPO Silver Reserve Select* $ $ $ $ $ $ $ $ $ $ $ $ Keystone HMO Silver* $ $ $ $ $ $ $ $ $ $ $ $ Keystone HMO Silver Proactive $ $ $ $ $ $ $ $ $ $ $ $ Keystone HMO Silver Proactive Select* $ $ $ $ $ $ $ $ $ $ $ $ Keystone HMO Silver Proactive Value* $ $ $ $ $ $ $ $ $ $ $ $ Personal Choice PPO Bronze $ $ $ $ $ $ $ $ $ $ $ $ Personal Choice EPO Bronze Reserve $ $ $ $ $ $ $ $ $ $ $ $ Personal Choice EPO Bronze Basic* $ $ $ $ $ $ $ $ $ $ $ $ Keystone HMO Bronze* $ $ $ $ $ $ $ $ $ $ $ $ Personal Choice EPO Catastrophic** $ $ $ $ $ $ $ $ $ $ $ $ You 56 $709 + Spouse 54 $649 + Dependent 1 23 $304 + Dependent 2 20 $193 + Dependent 3 14 $193 + Dependent 4 12 $193 + Dependent 5 10 $193 Free = Total Family Rate $2,241 The above example is for illustrative purposes only. * This product is not offered on the Health Insurance Marketplace and must be purchased through Independence directly. ** Catastrophic plan is only available to qualified individuals.

2 Monthly premiums continued Non-tobacco Age Personal Choice EPO Platinum $ $ $ $ $ $ $ $ $ $ $ $ $ Keystone HMO Platinum $ $ $ $ $ $ $ $ $ $ $ $ $ Personal Choice PPO Gold $ $ $ $ $ $ $ $ $ $ $ $ $ Keystone HMO Gold $ $ $ $ $ $ $ $ $ $ $ $ $ Keystone HMO Gold Proactive $ $ $ $ $ $ $ $ $ $ $ $ $ Personal Choice PPO Silver $ $ $ $ $ $ $ $ $ $ $ $ $ Personal Choice EPO Silver Reserve $ $ $ $ $ $ $ $ $ $ $ $ $ Personal Choice EPO Silver Reserve Select* $ $ $ $ $ $ $ $ $ $ $ $ $ Keystone HMO Silver* $ $ $ $ $ $ $ $ $ $ $ $ $ Keystone HMO Silver Proactive $ $ $ $ $ $ $ $ $ $ $ $ $ Keystone HMO Silver Proactive Select* $ $ $ $ $ $ $ $ $ $ $ $ $ Keystone HMO Silver Proactive Value* $ $ $ $ $ $ $ $ $ $ $ $ $ Personal Choice PPO Bronze $ $ $ $ $ $ $ $ $ $ $ $ $ Personal Choice EPO Bronze Reserve $ $ $ $ $ $ $ $ $ $ $ $ $ Personal Choice EPO Bronze Basic* $ $ $ $ $ $ $ $ $ $ $ $ $ Keystone HMO Bronze* $ $ $ $ $ $ $ $ $ $ $ $ $ Personal Choice EPO Catastrophic** $ $ $ $ $ $ $ $ $ $ $ $ $ Age Personal Choice EPO Platinum $ $ $ $ $1, $1, $1, $1, $1, $1, $1, $1, $1, Keystone HMO Platinum $ $ $ $ $ $ $ $ $ $ $ $ $ Personal Choice PPO Gold $ $ $ $ $ $ $ $ $ $ $ $ $ Keystone HMO Gold $ $ $ $ $ $ $ $ $ $ $ $ $ Keystone HMO Gold Proactive $ $ $ $ $ $ $ $ $ $ $ $ $ Personal Choice PPO Silver $ $ $ $ $ $ $ $ $ $ $ $ $ Personal Choice EPO Silver Reserve $ $ $ $ $ $ $ $ $ $ $ $ $ Personal Choice EPO Silver Reserve Select* $ $ $ $ $ $ $ $ $ $ $ $ $ Keystone HMO Silver* $ $ $ $ $ $ $ $ $ $ $ $ $ Keystone HMO Silver Proactive $ $ $ $ $ $ $ $ $ $ $ $ $ Keystone HMO Silver Proactive Select* $ $ $ $ $ $ $ $ $ $ $ $ $ Keystone HMO Silver Proactive Value* $ $ $ $ $ $ $ $ $ $ $ $ $ Personal Choice PPO Bronze $ $ $ $ $ $ $ $ $ $ $ $ $ Personal Choice EPO Bronze Reserve $ $ $ $ $ $ $ $ $ $ $ $ $ Personal Choice EPO Bronze Basic* $ $ $ $ $ $ $ $ $ $ $ $ $ Keystone HMO Bronze* $ $ $ $ $ $ $ $ $ $ $ $ $ Personal Choice EPO Catastrophic** $ $ $ $ $ $ $ $ $ $ $ $ $415.91

3 Non-tobacco Age Personal Choice EPO Platinum $ $ $ $1, $1, $1, $1, $1, $1, $1, $1, $1, $1, Keystone HMO Platinum $ $ $ $ $ $ $ $1, $1, $1, $1, $1, $1, Personal Choice PPO Gold $ $ $ $ $ $ $ $ $ $ $ $1, $1, Keystone HMO Gold $ $ $ $ $ $ $ $ $ $ $ $ $ Keystone HMO Gold Proactive $ $ $ $ $ $ $ $ $ $ $ $ $ Personal Choice PPO Silver $ $ $ $ $ $ $ $ $ $ $ $ $ Personal Choice EPO Silver Reserve $ $ $ $ $ $ $ $ $ $ $ $ $ Personal Choice EPO Silver Reserve Select* $ $ $ $ $ $ $ $ $ $ $ $ $ Keystone HMO Silver* $ $ $ $ $ $ $ $ $ $ $ $ $ Keystone HMO Silver Proactive $ $ $ $ $ $ $ $ $ $ $ $ $ Keystone HMO Silver Proactive Select* $ $ $ $ $ $ $ $ $ $ $ $ $ Keystone HMO Silver Proactive Value* $ $ $ $ $ $ $ $ $ $ $ $ $ Personal Choice PPO Bronze $ $ $ $ $ $ $ $ $ $ $ $ $ Personal Choice EPO Bronze Reserve $ $ $ $ $ $ $ $ $ $ $ $ $ Personal Choice EPO Bronze Basic* $ $ $ $ $ $ $ $ $ $ $ $ $ Keystone HMO Bronze* $ $ $ $ $ $ $ $ $ $ $ $ $ Personal Choice EPO Catastrophic** $ $ $ $ $ $ $ $ $ $ $ $ $ Age Personal Choice EPO Platinum $1, $1, $1, $1, $1, $1, $1, $1, $1, $1, $1, $1, $1, Keystone HMO Platinum $ $1, $1, $1, $1, $1, $1, $1, $1, $1, $1, $1, $1, Personal Choice PPO Gold $ $ $ $ $ $ $1, $1, $1, $1, $1, $1, $1, Keystone HMO Gold $ $ $ $ $ $ $ $ $ $1, $1, $1, $1, Keystone HMO Gold Proactive $ $ $ $ $ $ $ $ $ $ $ $1, $1, Personal Choice PPO Silver $ $ $ $ $ $ $ $ $ $1, $1, $1, $1, Personal Choice EPO Silver Reserve $ $ $ $ $ $ $ $ $ $ $1, $1, $1, Personal Choice EPO Silver Reserve Select* $ $ $ $ $ $ $ $ $ $ $ $1, $1, Keystone HMO Silver* $ $ $ $ $ $ $ $ $ $ $ $ $ Keystone HMO Silver Proactive $ $ $ $ $ $ $ $ $ $ $ $ $ Keystone HMO Silver Proactive Select* $ $ $ $ $ $ $ $ $ $ $ $ $ Keystone HMO Silver Proactive Value* $ $ $ $ $ $ $ $ $ $ $ $ $ Personal Choice PPO Bronze $ $ $ $ $ $ $ $ $ $ $ $ $ Personal Choice EPO Bronze Reserve $ $ $ $ $ $ $ $ $ $ $ $ $ Personal Choice EPO Bronze Basic* $ $ $ $ $ $ $ $ $ $ $ $ $ Keystone HMO Bronze* $ $ $ $ $ $ $ $ $ $ $ $ $ Personal Choice EPO Catastrophic** $ $ $ $ $ $ $ $ $ $ $ $ $728.49

4 Non-tobacco Age Personal Choice EPO Platinum $1, $1, $1, $1, $1, $1, $1, $1, $2, $2, $2, $2, $2, Keystone HMO Platinum $1, $1, $1, $1, $1, $1, $1, $1, $1, $1, $1, $1, $2, Personal Choice PPO Gold $1, $1, $1, $1, $1, $1, $1, $1, $1, $1, $1, $1, $1, Keystone HMO Gold $ $1, $1, $1, $1, $1, $1, $1, $1, $1, $1, $1, $1, Keystone HMO Gold Proactive $ $ $ $ $ $1, $1, $1, $1, $1, $1, $1, $1, Personal Choice PPO Silver $ $1, $1, $1, $1, $1, $1, $1, $1, $1, $1, $1, $1, Personal Choice EPO Silver Reserve $ $1, $1, $1, $1, $1, $1, $1, $1, $1, $1, $1, $1, Personal Choice EPO Silver Reserve Select* $ $ $ $ $1, $1, $1, $1, $1, $1, $1, $1, $1, Keystone HMO Silver* $ $ $ $ $ $ $ $ $1, $1, $1, $1, $1, Keystone HMO Silver Proactive $ $ $ $ $ $ $ $ $ $1, $1, $1, $1, Keystone HMO Silver Proactive Select* $ $ $ $ $ $ $ $ $ $ $ $ $ Keystone HMO Silver Proactive Value* $ $ $ $ $ $ $ $ $ $ $ $ $ Personal Choice PPO Bronze $ $ $ $ $ $ $ $ $ $ $ $1, $1, Personal Choice EPO Bronze Reserve $ $ $ $ $ $ $ $ $ $ $ $ $ Personal Choice EPO Bronze Basic* $ $ $ $ $ $ $ $ $ $ $ $ $ Keystone HMO Bronze* $ $ $ $ $ $ $ $ $ $ $ $ $ Personal Choice EPO Catastrophic** $ $ $ $ $ $ $ $ $ $ $ $ $ Age Personal Choice EPO Platinum $2, $2, $2, $2, $2, $2, $2, $2, $2, $2, $3, $3, $3, Keystone HMO Platinum $1, $1, $1, $2, $2, $2, $2, $2, $2, $2, $2, $2, $2, Personal Choice PPO Gold $1, $1, $1, $1, $1, $1, $2, $2, $2, $2, $2, $2, $2, Keystone HMO Gold $1, $1, $1, $1, $1, $1, $1, $1, $1, $1, $1, $2, $2, Keystone HMO Gold Proactive $1, $1, $1, $1, $1, $1, $1, $1, $1, $1, $1, $1, $1, Personal Choice PPO Silver $1, $1, $1, $1, $1, $1, $1, $1, $1, $1, $1, $2, $2, Personal Choice EPO Silver Reserve $1, $1, $1, $1, $1, $1, $1, $1, $1, $1, $1, $2, $2, Personal Choice EPO Silver Reserve Select* $1, $1, $1, $1, $1, $1, $1, $1, $1, $1, $1, $1, $1, Keystone HMO Silver* $1, $1, $1, $1, $1, $1, $1, $1, $1, $1, $1, $1, $1, Keystone HMO Silver Proactive $ $1, $1, $1, $1, $1, $1, $1, $1, $1, $1, $1, $1, Keystone HMO Silver Proactive Select* $ $ $ $ $1, $1, $1, $1, $1, $1, $1, $1, $1, Keystone HMO Silver Proactive Value* $ $ $ $ $ $ $ $ $1, $1, $1, $1, $1, Personal Choice PPO Bronze $ $ $1, $1, $1, $1, $1, $1, $1, $1, $1, $1, $1, Personal Choice EPO Bronze Reserve $ $ $ $ $1, $1, $1, $1, $1, $1, $1, $1, $1, Personal Choice EPO Bronze Basic* $ $ $ $ $ $ $1, $1, $1, $1, $1, $1, $1, Keystone HMO Bronze* $ $ $ $ $ $ $ $ $ $ $ $ $ Personal Choice EPO Catastrophic** $ $ $ $ $ $ $ $1, $1, $1, $1, $1, $1, * This product is not offered on the Health Insurance Marketplace and must be purchased through Independence directly. ** Catastrophic plan is only available to qualified individuals. Independence Blue Cross offers products through its subsidiaries Independence Hospital Indemnity Plan, Keystone Health Plan East, and QCC Insurance Company, and with Highmark Blue Shield independent licensees of the Blue Cross and Blue Shield Association (10/17)

5 Language Assistance Services Spanish: ATENCIÓN: Si habla español, cuenta con servicios de asistencia en idiomas disponibles de forma gratuita para usted. Llame al (TTY: 711). Chinese: 注意 : 如果您讲中文, 您可以得到免费的语言协助服务 致电 Korean: 안내사항 : 한국어를사용하시는경우, 언어지원서비스를무료로이용하실수있습니다 번으로전화하십시오. Portuguese: ATENÇÃO: se você fala português, encontram-se disponíveis serviços gratuitos de assistência ao idioma. Ligue para Gujarati: ચન : જ તમ જર ત બ લત હ, ત ન: ભ ષ સહ ય સ વ ઓ તમ ર મ ટ લ છ ક લ કર. Vietnamese: LƯU Ý: Nếu bạn nói tiếng Việt, chúng tôi sẽ cung cấp dịch vụ hỗ trợ ngôn ngữ miễn phí cho bạn. Hãy gọi Russian: ВНИМАНИЕ: Если вы говорите по-русски, то можете бесплатно воспользоваться услугами перевода. Тел.: Polish UWAGA: Jeżeli mówisz po polsku, możesz skorzystać z bezpłatnej pomocy językowej. Zadzwoń pod numer Italian: ATTENZIONE: Se lei parla italiano, sono disponibili servizi di assistenza linguistica gratuiti. Chiamare il numero Arabic: ملحوظة: إذا كنت تتحدث اللغة العربية فإن خدمات المساعدة اللغوية متاحة لك بالمجان. اتصل برقم French Creole: ATANSYON: Si w pale Kreyòl Ayisyen, gen sèvis èd pou lang ki disponib gratis pou ou. Rele Tagalog: PAUNAWA: Kung nagsasalita ka ng Tagalog, magagamit mo ang mga serbisyo na tulong sa wika nang walang bayad. Tumawag sa French: ATTENTION: Si vous parlez français, des services d'aide linguistique-vous sont proposés gratuitement. Appelez le Pennsylvania Dutch: BASS UFF: Wann du Pennsylvania Deitsch schwetzscht, kannscht du Hilf griege in dei eegni Schprooch unni as es dich ennich eppes koschte zellt. Ruf die Nummer Hindi: य द : य द आप ह द ब लत ह त आपक लए म त म भ ष सह यत स व ए पल ह क ल कर German: ACHTUNG: Wenn Sie Deutsch sprechen, können Sie kostenlos sprachliche Unterstützung anfordern. Wählen Sie Japanese: 備考 : 母国語が日本語の方は 言語アシスタンスサービス ( 無料 ) をご利用いただけます へお電話ください Persian (Farsi): توجه: اگر فارسی صحبت می کنيد خدمات ترجمه به صورت رايگان برای شما فراھم می باشد. با شماره تماس بگيريد. Navajo: D77 baa ak0 n7n7zin: D77 saad bee y1n7[ti go Diné Bizaad, saad bee 1k1 1n7da 1wo d66, t 11 jiik eh. H0d77lnih koj Urdu: توجہ درکارہے: اگر آپ اردو زبان بولتے ہيں تو آپ کے لئے مفت ميں زبان معاون خدمات دستياب ہيں کال کريں Mon-Khmer, Cambodian: ស ត ចប រ មណ របស ន ប អនកន យ ន- ខមរ ខមរ ន ជ ន យ ផនក ន ងមនផ តល ជ នដល កអនក យ ត គ ត ថ ល ទ រសពទ ទ លខ Y0041_HM_17_47643 Accepted 10/14/2016 Taglines as of 10/14/2016

6 Discrimination is Against the Law This Plan complies with applicable Federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability, or sex. This Plan does not exclude people or treat them differently because of race, color, national origin, age, disability, or sex. This Plan provides: Free aids and services to people with disabilities to communicate effectively with us, such as: qualified sign language interpreters, and written information in other formats (large print, audio, accessible electronic formats, other formats). Free language services to people whose primary language is not English, such as: qualified interpreters and information written in other languages. If you need these services, contact our Civil Rights Coordinator. If you believe that This Plan has failed to provide these services or discriminated in another way on the basis of race, color, national origin, age, disability, or sex, you can file a grievance with our Civil Rights Coordinator. You can file a grievance in the following ways: In person or by mail: ATTN: Civil Rights Coordinator, 1901 Market Street, Philadelphia, PA 19103, By phone: (TTY: 711) By fax: , By civilrightscoordinator@1901market.com. If you need help filing a grievance, our Civil Rights Coordinator is available to help you. You can also file a civil rights complaint with the U.S. Department of Health and Human Services, Office for Civil Rights electronically through the Office for Civil Rights Complaint Portal, available at or by mail or phone at: U.S. Department of Health and Human Services, 200 Independence Avenue SW., Room 509F, HHH Building, Washington, DC 20201, , (TDD). Complaint forms are available at Y0041_HM_17_47643 Accepted 10/14/2016 Taglines as of 10/14/2016

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