Community Health Choice logo

Shop Our 2026 Plans

Shop Our 2026 Plans

Understanding Your Community Health Choice Plan Options

Every Community plan comes with a strong foundation of benefits designed to keep you and your family healthy. From there, you can choose the coverage level that best fits your lifestyle and budget. Let’s walk through what all plans include — and how Bronze, Silver, and Gold differ.

Benefits Included with Every Community Plan

No matter which option you choose, you’ll always have access to important benefits like preventive care and around-the-clock support.

Questions?

Our hours of operation
are 8 a.m. – 5 p.m.

Call Us:
Local  713.295.6704
Toll-Free  1.855.315.5386

 

Contact Us
CHC-MP24-7-Telehealh-Icon
24/7
Telehealth
Enjoy 24/7/365 access to quality
medical care via Telehealth.
Whether it’s late at night, on the
weekend, or during a busy
workday, you can connect with a
doctor anytime, anywhere for
non-emergency medical needs.
CHC-MP-NoReferral-Icon
No Referrals Needed for Specialists
Get the care you need
faster by going directly to
in-network specialists with no
extra steps and no waiting
for approval.
CHC-MP-Preventative-Icon
Preventative Services
Enjoy preventive services to
help you stay healthy
year-round. These may
include annual checkups,
screenings, or vaccinations
when you visit an in-network
provider.
CHC-MP-NurseLine-Icon
Nurse Advice Line
Enjoy access to a nurse advice
line for non-emergency medical
concerns and questions. Speak
with a registered nurse anytime
for guidance on symptoms, care
options, and next steps for you
or your family.

Choosing the Plan That Fits Your Life

Each metal tier balances monthly premiums and out-of-pocket costs differently. Here’s how they compare:

Community Bronze Plans

  • Bronze plans have the lowest premiums.
  • Bronze plans have higher out-of-pocket costs.
  • On average, the insurance company pays 60%. You pay 40%.
  • “The basic plan to have – just in case”
Woman petting a happy dog with affection on a couch

Young Professional

  • Sofia is in her mid-20s, recently graduated, and starting her first full-time job. She is generally healthy, doesn’t expect frequent doctor visits, and values keeping her monthly premiums as low as possible. A Bronze Plan gives her basic coverage for preventive care and peace of mind if something unexpected happens.

Student

  • Marcus is a graduate student balancing tuition, living costs, and part-time work. He rarely goes to the doctor but wants affordable health insurance for emergencies. A Bronze Plan offers him essential coverage with the lowest premiums, making it easier to stay within budget.

Small Family

  • The Nguyens are a young family with two small children. Everyone is healthy, and they mainly need coverage for routine checkups and preventive care. A Bronze Plan keeps monthly costs low while protecting them in case of unexpected medical needs.

Community Silver Plans

  • Silver plans have mid-range premiums.
  • Silver plans have mid-range out-of-pocket costs.
  • On average, the insurance company pays 70%. You pay 30%.
  • “The comprehensive plan balanced with affordability.”

Working Parents

  • Priya and Adrian both work full-time while raising two kids. They want a balance between monthly premiums and out-of-pocket costs. A Silver Plan gives them affordable access to pediatric visits, urgent care, and preventive services, while still keeping costs predictable.

Freelancer

  • Jasmine is a freelance graphic designer. Her income varies month to month, so she needs a plan that balances cost with coverage. A Silver Plan helps her manage preventive care, occasional specialist visits, and prescriptions without breaking her budget.

Young Couple

  • Diego and Ana are newly married and planning to start a family. They want a plan that covers maternity and preventive services at a reasonable monthly cost. A Silver Plan provides the balance they need for growing their family while managing expenses responsibly.

Community Gold Plans

  • Gold plans have the highest premiums.
  • Gold plans have lower out-of-pocket costs.
  • On average, the insurance company pays 80%. You pay 20%.
  • “Get this plan if your doctor knows you better than your spouse.”

Retired Couple

  • Mr. and Mrs. Chen are retired and live on a fixed income. They visit the doctor regularly to manage ongoing health needs. A Gold Plan costs more each month, but it keeps their out-of-pocket expenses low and makes their healthcare costs predictable.

Living with a Chronic Condition

  • Angela has diabetes and needs frequent specialist care, lab tests, and medications. A Gold Plan helps her keep her out-of-pocket costs lower throughout the year, making her ongoing care more affordable and less stressful.

Busy Professional

  • Ravi works long hours in a high-demand career. He values convenience and doesn’t want to worry about large bills if he needs frequent care. A Gold Plan allows him to pay higher premiums upfront in exchange for more comprehensive coverage and lower costs when receiving care.

Community offers On-Exchange & Off-Exchange plans:

Community offers On-Exchange & Off-Exchange plans:

  • On-Exchange plans are offered through the Marketplace and are eligible for government subsidies and cost-sharing reductions.
  • Off-Exchange plans are offered privately by the insurance company and are not eligible for government subsidies.

Why Choose Community?

As a local nonprofit health plan, Community Health Choice gives you plenty of reasons to join our Community. From the benefits and special programs we offer to the way our Member Services team helps you make the most of them, Community is always working life forward for you and your family.

“Community Health Choice is always there to answer my questions and help me and my family with our medical needs. I truly appreciate and value their customer support and service.”

– Cecily
Member of Community Health Choice