Highmark introduced a new individual insurance plan, effective Feb. 1, that it says offers simple health insurance coverage with a low premium, low deductible and predictable copayment structure.

The Pittsburgh-based health insurer serving Western and Central Pennsylvania introduced Simply Blue PPO, a medically underwritten plan that targets people without group coverage and covers 100% of preventive care services.

We listened to our members feedback, and weve heard them say that they would like a more affordable plan without a large upfront deductible, said Steven Nelson, senior vice president of health services strategy, product and marketing at Highmark, in a statement.

The plan does not include maternity coverage and uses Highmarks Progressive Formulary, a new generic-driven prescription drug plan that encourages members to seek lower-cost drug alternatives, while ensuring continued access to a brand-name drugs.

Premiums for Simply Blue are as low as $90 a month with a $500 deductible for males ages 25 to 29. Copayments for Simply Blue include a primary care provider visit at $35, specialist visit at $50 and basic diagnostic tests at $25. After the copayment, coverage is 100% and a deductible does not apply.

Simply Blue is available in the 29 counties of western Pennsylvania and the 21 counties of Central Pennsylvania and the Lehigh Valley served by Highmark.