Trio HMO
Trio HMO uses a focused network and a primary care physician who coordinates care and specialist referrals. It may offer a lower monthly premium than many PPO options where available.
Individual health carrier | 2026
Blue Shield Individual and Family Health Plans
Trio HMO and Exclusive PPO choices across multiple metal tiers, with separate dental and vision options and digital member tools.
2026 plan guide
How the coverage is structured
Blue Shield offers HMO and PPO individual plans with different approaches to provider access and member cost sharing. Compare network rules and total yearly cost before focusing on a metal tier.
Exclusive PPO
PPO plans offer more flexibility to see doctors and specialists without referrals. Network care generally costs less, while non-network care can create higher cost sharing and additional charges.
Metal tiers and savings plans
Platinum, Gold, Silver, Bronze, high-deductible, and qualifying cost-sharing reduction designs divide premiums and care costs differently. Eligibility and availability vary.
Dental and vision
Blue Shield offers separate dental and vision choices, including direct and Covered California dental options. Pediatric dental and vision benefits are included with individual medical coverage as required.
Before and after enrollment
Using the plan with fewer surprises
Blue Shield's quick-start material emphasizes confirming the effective date, creating an account, reviewing the assigned or selected primary doctor, and keeping the digital ID card available.
Confirm the exact network
Use the provider search for the specific Trio HMO or Exclusive PPO network. A provider participating in one Blue Shield network may not participate in another.
Know the referral rules
Trio HMO members generally work through a primary care physician for coordinated care and referrals. PPO members generally do not need to designate a PCP or obtain specialist referrals.
Set up member access
After the first premium is paid and coverage begins, register the online account, review the ID card, payment settings, benefits, and available virtual care tools.
Read the controlling documents
The Evidence of Coverage and Summary of Benefits and Coverage provide the complete exclusions, limitations, non-network rules, and member responsibility for a selected plan.
Official source documents
Review the carrier materials
These PDFs provide additional detail from the carrier. They open in a new tab and should be read with the current Evidence of Coverage and Summary of Benefits and Coverage for the plan you select.
Before you enroll
Plan availability and benefits can change.
This page summarizes carrier materials for the 2026 plan year. It is not a policy, contract, quote, or guarantee of eligibility or benefits. The current carrier application, Evidence of Coverage, Summary of Benefits and Coverage, provider directory, and formulary control.
Confirm options with an advisor
