01 · Capital Blue Cross
Capital Blue Cross Health Plans
Contact Sonon Insurance to review available Capital Blue Cross health plan options and request a quote. Online self-enrollment is not available through our website.
Care with clarity.
Healthcare designed for you.
2027 health coverage
Your state. Your enrollment dates.
Pennie · November 1, 2026 – January 15, 2027
For January 1 coverage, enroll by December 15, 2026.
More about enrollment timing
Enroll December 16–January 15 for coverage beginning February 1, 2027. Pay any required first premium by the insurer’s deadline to activate coverage.
Confirm marketplace datesDates checked October 17, 2026. Confirm current deadlines before enrolling.
Health plan options
Explore health plans.
Browse online options or request an assisted quote. Plan availability depends on where you live.
Understand your optionsLooking for marketplace savings? Ask about Pennie, Get Covered NJ, or HealthCare.gov before choosing a direct plan. Off-marketplace plans do not qualify for marketplace financial assistance.
Individual health coverage assistance is available in Pennsylvania, New Jersey, Delaware, and Florida. Confirm the exact plan’s service area and enrollment rules.
02 · ACA Marketplace
Delaware Health Plans
Shop available ACA marketplace health plans in Delaware.
03 · ACA Marketplace
Florida Health Plans
Shop available ACA marketplace health plans in Florida.
04 · Highmark
Highmark Health Plans
Contact Sonon Insurance to review available Highmark health plan options and request a quote. Online self-enrollment is not available through our website.
05 · Independence Blue Cross
Independence Blue Cross Health Plans
Review available individual health plan options and begin enrollment online.
06 · Jefferson Health Plans
Jefferson Health Plans
Review available Jefferson Health individual plans and start online shopping.
07 · Oscar Health
Oscar Health Plans
Review available Oscar individual health coverage and begin shopping online.
Prefer a little guidance?
Bring your doctors, prescriptions, and questions. We’ll help you compare your options.
ACA-compliant individual and family plans generally require Open Enrollment or a qualifying Special Enrollment Period. Confirm coverage dates, doctors, prescriptions, and any financial assistance before enrolling.
Certified marketplace guidance
Make room for a clearer conversation.
Sonon Insurance provides certified broker assistance for Pennie, Pennsylvania’s health insurance marketplace, the federal Health Insurance Marketplace, and Get Covered NJ.
Justin can help you compare the available plans around your doctors, prescriptions, household, and budget. Individual health coverage assistance is available in Pennsylvania, New Jersey, Delaware, and Florida.
Prefer to shop without going through Pennie or Get Covered NJ? Explore the plan options above to shop directly with participating carriers through Sonon Insurance, where available.
Off-marketplace plans do not qualify for marketplace financial assistance. If you may be eligible for savings, compare enrollment through your state’s marketplace first. ACA-compliant individual and family plans purchased directly generally require Open Enrollment or a qualifying Special Enrollment Period. Confirm the carrier’s deadlines and coverage start date.
Dates checked October 17, 2026 against current marketplace guidance. Earlier announcements may show different dates. Confirm current deadlines before enrolling.
A little clarity goes a long way
What would you like to understand?
Tap a topic for a practical explanation, then follow a guide for a closer look.
PPO
More flexibility outside the network.
A Preferred Provider Organization generally includes benefits for eligible out-of-network care. Staying in network usually costs less, and specialist visits generally do not need a primary care referral.
- Check the out-of-network deductible, coinsurance, and possible balance bills.
- A PPO does not guarantee a nationwide network. Check the exact plan.
- Prior authorization may still be required for certain care.
Your prescriptions, explained
Know what happens at the pharmacy.
Explore drug lists, tiers, and deductibles before you choose a health plan.
Is my drug covered?
Check each prescription on the drug list.
ACA plans include prescription benefits, but they do not cover every medication. The formulary is the plan’s list of covered drugs. Search the exact medication, strength, form, and quantity for the correct coverage year.
- Check your pharmacy’s network status and any preferred-pharmacy pricing.
- Look for prior authorization, step therapy, and quantity limits.
- Ask the carrier about its exception process if a prescribed drug is not listed.
Complete the picture
Dental and vision deserve a closer look.
Adult dental and routine vision benefits are not automatically included in every ACA medical plan.
Highmark options
Check what is included for adults.
Among the ACA medical plans Sonon Insurance offers, Highmark is the carrier with select plan options that include adult dental and vision benefits. This is specific to our offered plans; it is not a statement about every carrier in the market.
Not every Highmark plan includes these benefits. Availability and benefits vary by plan and area. Compare covered services, networks, waiting periods, deductibles, annual dental benefit limits, and eyewear allowances before deciding.
Pediatric dental and vision rules differ from adult benefits. Review the specific medical and dental plan documents.
Keep your care in view
Is your doctor in the network?
Open the carrier’s official provider directory. Choose the exact 2027 plan and network, then check each doctor, specialist, hospital, and practice location.
Ambetter Health
Choose your state and exact Ambetter plan.
Find a providerAmeriHealth
Select the individual/family network on your quote.
Find a providerCapital Blue Cross
Use MyCare Finder with the correct plan network.
Find a providerGeisinger Health Plan
Search the insurance network, not only Geisinger facilities.
Find a providerHighmark
Select your region, plan year, and network.
Find a providerHorizon Blue Cross Blue Shield of New Jersey
Check the exact individual plan and any OMNIA tier.
Find a providerIndependence Blue Cross
Choose the network for your specific IBX plan.
Find a providerJefferson Health Plans
Use Individual and Family Plans; check provider tiers.
Find a providerOscar Health
Choose your location and coverage network.
Find a providerUPMC Health Plan
Select your exact individual/family plan and network.
Find a providerThese are research links, not a list of plans available in every ZIP code or all carriers we represent. For another carrier, ask Justin for its current directory. Confirm participation for your specific plan and location with both the insurer and provider, and ask whether the provider accepts new patients. “We accept the carrier” does not confirm the exact network. Directories can change.
Get help checking a networkFrom our blog
A clearer next step.
Keep exploring with our health insurance guides.
ACA metal tiers explained: Bronze vs. Silver vs. Gold vs. PlatinumCopay vs. coinsurance: what’s the difference in health insurance?HMO vs. PPO: what’s the difference in health insurance?How does a health insurance deductible work?Lost your health insurance?What is the Affordable Care Act? A practical guide to ACA health insuranceWhen is the 2027 health insurance Open Enrollment Period?
Browse every health articleGood to know
Questions, answered.
When can I enroll in 2027 health coverage?+
Current marketplace guidance lists November 1, 2026 through January 15, 2027 for Pennie and HealthCare.gov, and through January 31, 2027 for Get Covered NJ. January 1 coverage requires an earlier enrollment: generally December 15 for Pennie and HealthCare.gov, and December 31 for New Jersey. Confirm current marketplace dates and pay any required first premium on time.
Are you a certified marketplace broker?+
Yes. Sonon Insurance provides certified broker assistance for Pennie in Pennsylvania, the federal Health Insurance Marketplace, and Get Covered NJ. Individual health insurance assistance is available in Pennsylvania, New Jersey, Delaware, and Florida. Availability depends on carrier appointments, location, and applicable marketplace requirements.
Can I enroll directly outside Pennie or Get Covered NJ?+
You can also enroll through Sonon Insurance directly with participating carriers outside Pennie and Get Covered NJ, where available. Off-marketplace plans do not qualify for marketplace financial assistance. If you may be eligible for savings, compare enrollment through your state’s marketplace first. ACA-compliant individual and family plans purchased directly generally require Open Enrollment or a qualifying Special Enrollment Period. Confirm the carrier’s deadlines and coverage start date.
Does working with Sonon Insurance cost more?+
Sonon Insurance does not charge broker fees. We are paid by the insurance carriers on a flat-fee basis, regardless of your plan’s premium. For the same plan, household details, and financial assistance eligibility, your premium is the same on our website as it is on the state or federal marketplace website. Justin is a consistent resource and advocate before, during, and after Open Enrollment each year, helping with plan comparisons, enrollment questions, and coverage or service concerns throughout the year.
Can I keep my doctors and medications?+
Check your exact 2027 plan and network with both the insurer and each provider. Review each prescription’s name, strength, form, quantity, formulary tier, restrictions, and pharmacy. Carrier participation alone does not confirm the exact plan network.
Does an ACA medical plan include adult dental and vision?+
Not automatically. Among the ACA medical plans Sonon Insurance offers, Highmark has select options with adult dental and vision benefits. Not all Highmark plans include them. We also offer separate comprehensive dental and vision plan options; compare their networks, benefits, costs, and limitations.
What should I prepare for a health coverage review?+
Start with your ZIP code, desired coverage date, current plan, estimated household income for 2027, doctors, prescriptions, and pharmacy preferences. Justin will explain how to share any sensitive documents securely.
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Let’s talk coverage.
Tell us what’s working, what isn’t working, or what you want to understand better.