We make it easy for you to get and stay healthy with affordable plans and less hassle. All with the RedShirt® Treatment.
An Independent Health RedShirt® can help you understand your options.
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The RedShirt Treatment goes well beyond insurance.
The plans shown below represent our 2024 Individual Market Plans. Download a printable version here.
There may be additional plan options that you qualify for, depending on your individual income and circumstances. Let a RedShirt® help you understand the options you may qualify for.
| Standard Platinum |
|---|
2024 |
| Individual Rate $989.59 |
| Individual and Child(ren) Rate $1,682.30 |
| Individual and Spouse Rate $1,979.18 |
| Child Only Rate (covered up to the end of the year in which the child turns 21) $407.71 |
| Family Rate $2,820.33 |
| Available on Exchange? Yes |
| In-Network Deductible $0 |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit $15/$35 |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary $0 |
| Inpatient Hospital Services (per admission) $500 |
| Emergency Room Services $100 |
| Pharmacy3 $10/$30/$60 |
Show Benefits + |
| FlexFit Platinum |
|---|
2024 |
| Individual Rate $941.57 |
| Individual and Child(ren) Rate $1,600.67 |
| Individual and Spouse Rate $1,883.14 |
| Child Only Rate (covered up to the end of the year in which the child turns 21) N/A |
| Family Rate $2,683.47 |
| Available on Exchange? Yes |
| In-Network Deductible $0 |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit $10/$40 |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary $0 |
| Inpatient Hospital Services (per admission) $500 |
| Emergency Room Services $150 |
| Pharmacy3 $5/$30/50% |
Show Benefits + |
| Choice Plus Platinum2 |
|---|
2024 |
| Individual Rate $913.08 |
| Individual and Child(ren) Rate $1,552.24 |
| Individual and Spouse Rate $1,826.16 |
| Child Only Rate (covered up to the end of the year in which the child turns 21) N/A |
| Family Rate $2,602.28 |
| Available on Exchange? No |
| In-Network Deductible A: $0 B: $1,500/$3,000 (T) |
| In-Network Coinsurance A: 0% B: Deductible then 50% |
| Primary Care/Specialist Office Visit A: $10/$40 B: Deductible then 50% |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary $0 |
| Inpatient Hospital Services (per admission) A: $500 B: Deductible then 50% |
| Emergency Room Services A: $150 B: $150 |
| Pharmacy3 $5/$30/50% |
Show Benefits + |
| Standard Gold |
|---|
2024 |
| Individual Rate $816.75 |
| Individual and Child(ren) Rate $1,388.48 |
| Individual and Spouse Rate $1,633.50 |
| Child Only Rate (covered up to the end of the year in which the child turns 21) $336.50 |
| Family Rate $2,327.74 |
| Available on Exchange? Yes |
| In-Network Deductible $600/$1,200 (E) |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit Deductible then $25/Deductible then $40 |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary $0 |
| Inpatient Hospital Services (per admission) Deductible then $1,000 |
| Emergency Room Services Deductible then $150 |
| Pharmacy3 $10/$35/$70 |
Show Benefits + |
| iDirect Gold Copay |
|---|
2024 |
| Individual Rate $802.80 |
| Individual and Child(ren) Rate $1,364.76 |
| Individual and Spouse Rate $1,605.60 |
| Child Only Rate (covered up to the end of the year in which the child turns 21) N/A |
| Family Rate $2,287.98 |
| Available on Exchange? Yes |
| In-Network Deductible $1,250/$2,500 (T) |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit $20/Deductible then $50 |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary $0 |
| Inpatient Hospital Services (per admission) Deductible then $1,000 |
| Emergency Room Services Deductible then $150 |
| Pharmacy3 $10/$40/50% |
Show Benefits + |
iDirect Gold Copay HSAQ  |
|---|
2024 |
| Individual Rate $777.11 |
| Individual and Child(ren) Rate $1,321.09 |
| Individual and Spouse Rate $1,554.22 |
| Child Only Rate (covered up to the end of the year in which the child turns 21) N/A |
| Family Rate $2,214.76 |
| Available on Exchange? Yes |
| In-Network Deductible $1,600/$3,200 (T) |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit Deductible then $20/Deductible then $50 |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary Deductible then $0 |
| Inpatient Hospital Services (per admission) Deductible then $1,000 |
| Emergency Room Services Deductible then $150 |
| Pharmacy3 Deductible then $10/$40/50% |
Show Benefits + |
| Activate Gold |
|---|
2024 |
| Individual Rate $778.65 |
| Individual and Child(ren) Rate $1,323.71 |
| Individual and Spouse Rate $1,557.30 |
| Child Only Rate (covered up to the end of the year in which the child turns 21) N/A |
| Family Rate $2,219.15 |
| Available on Exchange? No |
| In-Network Deductible $1,500/$3,000 (E) |
| In-Network Coinsurance 25% Coinsurance after first dollar and deductible |
| Primary Care/Specialist Office Visit $20 Copayment after first dollar and deductible/$50 Copayment after first dollar and deductible |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary $0 |
| Inpatient Hospital Services (per admission) 25% Coinsurance after first dollar and deductible |
| Emergency Room Services 25% Coinsurance after first dollar and deductible |
| Pharmacy3 $10/25%/50% after first dollar and deductible |
Show Benefits + |
| Standard Silver |
|---|
2024 |
| Individual Rate $677.80 |
| Individual and Child(ren) Rate $1,152.26 |
| Individual and Spouse Rate $1,355.60 |
| Child Only Rate (covered up to the end of the year in which the child turns 21) $279.25 |
| Family Rate $1,931.73 |
| Available on Exchange? Yes |
| In-Network Deductible $2,100/$4,200 (E) |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit Deductible then $30/Deductible then $65 |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary $0 |
| Inpatient Hospital Services (per admission) Deductible then $1,500 |
| Emergency Room Services Deductible then $500 |
| Pharmacy3 $15/$40/$75 |
Show Benefits + |
|
iDirect Silver Copay HSAQ |
|---|
2024 |
| Individual Rate $649.76 |
| Individual and Child(ren) Rate $1,104.59 |
| Individual and Spouse Rate $1,299.52 |
| Child Only Rate (covered up to the end of the year in which the child turns 21) N/A |
| Family Rate $1,851.82 |
| Available on Exchange? Yes |
| In-Network Deductible $2,000/$4,000 (T) |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit Deductible then $35/Deductible then $60 |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary Deductible then $0 |
| Inpatient Hospital Services (per admission) Deductible then $1,000 |
| Emergency Room Services Deductible then $250 |
| Pharmacy3 Deductible then $15/$50/50% |
Show Benefits + |
| Max Silver |
|---|
2024 |
| Individual Rate $644.90 |
| Individual and Child(ren) Rate $1,096.33 |
| Individual and Spouse Rate $1,289.80 |
| Child Only Rate (covered up to the end of the year in which the child turns 21) N/A |
| Family Rate $1,837.97 |
| Available on Exchange? Yes |
| In-Network Deductible $2,800/$5,600 (T) |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit $35/Deductible then $60 |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary $0 |
| Inpatient Hospital Services (per admission) Deductible then $1,000 |
| Emergency Room Services Deductible then $250 |
| Pharmacy3 $15/Deductible then $50/Deductible then 50% |
Show Benefits + |
|
Choice Plus Silver HSAQ2 |
|---|
2024 |
| Individual Rate $625.39 |
| Individual and Child(ren) Rate $1,063.16 |
| Individual and Spouse Rate $1,250.78 |
| Child Only Rate (covered up to the end of the year in which the child turns 21) N/A |
| Family Rate $1,782.36 |
| Available on Exchange? No |
| In-Network Deductible A: $2,400/$4,800 (T) B: $3,900/$7,800 (T) |
| In-Network Coinsurance A: 0% B: Deductible then 50% |
| Primary Care/Specialist Office Visit Deductible then A: $35/$60 B: 50% |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary Deductible then $0 |
| Inpatient Hospital Services (per admission) Deductible then A: $1,000 B: 50% |
| Emergency Room Services Deductible then A: $250 B: $250 |
| Pharmacy3 Deductible then $15/$50/50% |
Show Benefits + |
| Standard Bronze |
|---|
2024 |
| Individual Rate $521.90 |
| Individual and Child(ren) Rate $887.23 |
| Individual and Spouse Rate $1,043.80 |
| Child Only Rate (covered up to the end of the year in which the child turns 21) $215.03 |
| Family Rate $1,487.42 |
| Available on Exchange? Yes |
| In-Network Deductible $4,600/$9,200 (E) |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit Deductible then $50/Deductible then $75 |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary $0 |
| Inpatient Hospital Services (per admission) Deductible then $1,500 |
| Emergency Room Services Deductible then $500 |
| Pharmacy3 Deductible then $10/$35/$70 |
Show Benefits + |
| iDirect Bronze MV |
|---|
2024 |
| Individual Rate $475.42 |
| Individual and Child(ren) Rate $808.21 |
| Individual and Spouse Rate $950.84 |
| Child Only Rate (covered up to the end of the year in which the child turns 21) N/A |
| Family Rate $1,354.95 |
| Available on Exchange? Yes |
| In-Network Deductible $9,450/$18,900 (E) |
| In-Network Coinsurance Deductible then 50% |
| Primary Care/Specialist Office Visit Deductible then $0 |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary $0 |
| Inpatient Hospital Services (per admission) Deductible then $0 |
| Emergency Room Services Deductible then $0 |
| Pharmacy3 Deductible then $0 |
Show Benefits + |
|
iDirect Bronze Coinsurance HSAQ |
|---|
2024 |
| Individual Rate $496.57 |
| Individual and Child(ren) Rate $844.17 |
| Individual and Spouse Rate $993.14 |
| Child Only Rate (covered up to the end of the year in which the child turns 21) N/A |
| Family Rate $1,415.22 |
| Available on Exchange? Yes |
| In-Network Deductible $5,600/$11,200 (E) |
| In-Network Coinsurance Deductible then 50% |
| Primary Care/Specialist Office Visit Deductible then 50% |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary Deductible then $0 |
| Inpatient Hospital Services (per admission) Deductible then 50% |
| Emergency Room Services Deductible then 50% |
| Pharmacy3 Deductible then 50% |
Show Benefits + |
| Standard Catastrophic1 |
|---|
2024 |
| Individual Rate $341.17 |
| Individual and Child(ren) Rate $579.99 |
| Individual and Spouse Rate $682.34 |
| Child Only Rate (covered up to the end of the year in which the child turns 21) N/A |
| Family Rate $972.33 |
| Available on Exchange? Yes |
| In-Network Deductible $9,450/$18,900 (E) |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit Deductible then $0 |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary Deductible then $0 |
| Inpatient Hospital Services (per admission) Deductible then $0 |
| Emergency Room Services Deductible then $0 |
| Pharmacy3 Deductible then $0 |
Show Benefits + |
