The top-rated 2025 Commercial Health Plan in NY, comprehensive products, hands-on support and national and local networks. Whether you’re a small group or a large group employer, we’re committed to ensuring you’re supported. A healthier business. That’s the RedShirt® Treatment.
Independent Health was rated 5 out of 5 in NCQA's Commercial Health Plan Ratings from 2023 – 2025.
The plans shown below represent our 2026 Q3 Small Group plans. Download a printable version here.
To view our 2026 Q2 plans and rates, click here.
| FlexFit Platinum |
|---|
2026 Q3 |
| Employee Rate $1,127.77 |
| Employee and Child(ren) Rate $1,917.21 |
| Employee and Spouse Rate $2,255.54 |
| Family Rate $3,214.14 |
| First Dollar Coverage N/A |
| 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 $250 |
| Pharmacy1 $5/$45/50% |
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| iDirect Platinum Coinsurance |
|---|
2026 Q3 New |
| Employee Rate $1,062.84 |
| Employee and Child(ren) Rate $1,806.83 |
| Employee and Spouse Rate $2,125.68 |
| Family Rate $3,029.09 |
| First Dollar Coverage N/A |
| In-Network Deductible $125/$250 (T) |
| In-Network Coinsurance 20% |
| Primary Care/Specialist Office Visit Deductible then 20% |
| 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 20% |
| Emergency Room Services Deductible then 20% |
| Pharmacy1 $5/$50/50% |
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| Passport Plan Local Platinum3 |
|---|
2026 Q3 New |
| Employee Rate $1,158.51 |
| Employee and Child(ren) Rate $1,969.47 |
| Employee and Spouse Rate $2,317.02 |
| Family Rate $3,301.75 |
| First Dollar Coverage N/A |
| In-Network Deductible $125/$250 (T) |
| In-Network Coinsurance 20% |
| Primary Care/Specialist Office Visit Deductible then 20% |
| 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 20% |
| Emergency Room Services Deductible then 20% |
| Pharmacy1 $5/$50/50% |
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| Activate Gold |
|---|
2026 Q3 |
| Employee Rate $917.04 |
| Employee and Child(ren) Rate $1,558.97 |
| Employee and Spouse Rate $1,834.08 |
| Family Rate $2,613.56 |
| First Dollar Coverage $750/$1,500 |
| In-Network Deductible $1,700/$3,400 (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 |
| Pharmacy1 $10/25%/50% after first dollar and deductible |
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| FlexFit Gold |
|---|
2026 Q3 New |
| Employee Rate $997.07 |
| Employee and Child(ren) Rate $1,695.02 |
| Employee and Spouse Rate $1,994.14 |
| Family Rate $2,841.65 |
| First Dollar Coverage N/A |
| In-Network Deductible $0 |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit $40/$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) $3,000 |
| Emergency Room Services $300 |
| Pharmacy1 $10/$40/50% |
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| iDirect Gold Copay |
|---|
2026 Q3 |
| Employee Rate $986.60 |
| Employee and Child(ren) Rate $1,677.22 |
| Employee and Spouse Rate $1,973.20 |
| Family Rate $2,811.81 |
| First Dollar Coverage N/A |
| In-Network Deductible $1,500/$3,000 (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 $200 |
| Pharmacy1 $10/$40/$100 |
Show Benefits + |
| iDirect Gold Copay Option 3 |
|---|
2026 Q3 |
| Employee Rate $974.51 |
| Employee and Child(ren) Rate $1,656.67 |
| Employee and Spouse Rate $1,949.02 |
| Family Rate $2,777.35 |
| First Dollar Coverage N/A |
| In-Network Deductible $775/$1,550 (T) |
| 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 $250 |
| Pharmacy1 $10/$35/50% |
Show Benefits + |
iDirect Gold Copay HSAQ  |
|---|
2026 Q3 |
| Employee Rate $935.33 |
| Employee and Child(ren) Rate $1,590.06 |
| Employee and Spouse Rate $1,870.66 |
| Family Rate $2,665.69 |
| First Dollar Coverage N/A |
| In-Network Deductible $1,700/$3,400 (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 $750 |
| Emergency Room Services Deductible then $200 |
| Pharmacy1 Deductible then $10/$40/50% |
Show Benefits + |
|
iDirect Gold Copay HSAQ Option 2 |
|---|
2026 Q3 New |
| Employee Rate $916.20 |
| Employee and Child(ren) Rate $1,557.54 |
| Employee and Spouse Rate $1,832.40 |
| Family Rate $2,611.17 |
| First Dollar Coverage N/A |
| In-Network Deductible $1,950/$3,900 (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 $750 |
| Emergency Room Services Deductible then $200 |
| Pharmacy1 Deductible then $10/$40/50% |
Show Benefits + |
|
iDirect Gold Coinsurance HSAQ |
|---|
2026 Q3 New |
| Employee Rate $893.66 |
| Employee and Child(ren) Rate $1,519.22 |
| Employee and Spouse Rate $1,787.32 |
| Family Rate $2,546.93 |
| First Dollar Coverage N/A |
| In-Network Deductible $1,700/$3,400 (T) |
| In-Network Coinsurance 20% |
| Primary Care/Specialist Office Visit Deductible then 20% |
| 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 20% |
| Emergency Room Services Deductible then 20% |
| Pharmacy1 Deductible then $10/20%/50% |
Show Benefits + |
|
Passport Plan National Gold HSAQ |
|---|
2026 Q3 |
| Employee Rate $1,139.32 |
| Employee and Child(ren) Rate $1,936.84 |
| Employee and Spouse Rate $2,278.64 |
| Family Rate $3,247.06 |
| First Dollar Coverage N/A |
| In-Network Deductible $1,700/$3,400 (T) |
| In-Network Coinsurance Deductible then 20% |
| Primary Care/Specialist Office Visit Deductible then 20% |
| 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 20% |
| Emergency Room Services Deductible then 20% |
| Pharmacy1 Deductible then $10/20%/50% |
Show Benefits + |
|
Passport Plan Local Gold HSAQ3 |
|---|
2026 Q3 |
| Employee Rate $976.43 |
| Employee and Child(ren) Rate $1,659.93 |
| Employee and Spouse Rate $1,952.86 |
| Family Rate $2,782.83 |
| First Dollar Coverage N/A |
| In-Network Deductible $1,700/$3,400 (T) |
| In-Network Coinsurance Deductible then 20% |
| Primary Care/Specialist Office Visit Deductible then 20% |
| 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 20% |
| Emergency Room Services Deductible then 20% |
| Pharmacy1 Deductible then $10/20%/50% |
Show Benefits + |
| Activate Silver |
|---|
2026 Q3 |
| Employee Rate $803.77 |
| Employee and Child(ren) Rate $1,366.41 |
| Employee and Spouse Rate $1,607.54 |
| Family Rate $2,290.74 |
| First Dollar Coverage $500/$1,000 |
| In-Network Deductible $3,500/$7,000 (E) |
| In-Network Coinsurance 40% Coinsurance after first dollar and deductible |
| Primary Care/Specialist Office Visit $35 Copayment after first dollar and deductible/$65 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) 40% Coinsurance after first dollar and deductible |
| Emergency Room Services 40% Coinsurance after first dollar and deductible |
| Pharmacy1 $15/40%/50% after first dollar and deductible |
Show Benefits + |
| iDirect Silver Copay |
|---|
2026 Q3 |
| Employee Rate $854.44 |
| Employee and Child(ren) Rate $1,452.55 |
| Employee and Spouse Rate $1,708.88 |
| Family Rate $2,435.15 |
| First Dollar Coverage N/A |
| In-Network Deductible $2,250/$4,500 (T) |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit Deductible then $35/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 $300 |
| Pharmacy1 $15/$50/50% |
Show Benefits + |
| iDirect Silver Copay Option 2 |
|---|
2026 Q3 |
| Employee Rate $879.85 |
| Employee and Child(ren) Rate $1,495.75 |
| Employee and Spouse Rate $1,759.70 |
| Family Rate $2,507.57 |
| First Dollar Coverage N/A |
| In-Network Deductible $2,500/$5,000 (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 |
| Pharmacy1 $15/$75/$125 |
Show Benefits + |
|
iDirect Silver Copay HSAQ |
|---|
2026 Q3 |
| Employee Rate $852.36 |
| Employee and Child(ren) Rate $1,449.01 |
| Employee and Spouse Rate $1,704.72 |
| Family Rate $2,429.23 |
| First Dollar Coverage N/A |
| In-Network Deductible $2,250/$4,500 (T) |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit Deductible then $35/Deductible then $65 |
| 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 $1,500 |
| Emergency Room Services Deductible then $300 |
| Pharmacy1 Deductible then $15/$50/50% |
Show Benefits + |
|
iDirect Silver Copay HSAQ Option 2 |
|---|
2026 Q3 New |
| Employee Rate $777.92 |
| Employee and Child(ren) Rate $1,322.46 |
| Employee and Spouse Rate $1,555.84 |
| Family Rate $2,217.07 |
| First Dollar Coverage N/A |
| In-Network Deductible $4,000/$8,000 (T) |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit Deductible then $35/Deductible then $65 |
| 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 $1,500 |
| Emergency Room Services Deductible then $300 |
| Pharmacy1 Deductible then $15/$50/50% |
Show Benefits + |
|
iDirect Silver Coinsurance HSAQ |
|---|
2026 Q3 |
| Employee Rate $796.75 |
| Employee and Child(ren) Rate $1,354.48 |
| Employee and Spouse Rate $1,593.50 |
| Family Rate $2,270.74 |
| First Dollar Coverage N/A |
| In-Network Deductible $3,500/$7,000 (T) |
| In-Network Coinsurance Deductible then 25% |
| Primary Care/Specialist Office Visit Deductible then 25% |
| 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 25% |
| Emergency Room Services Deductible then 25% |
| Pharmacy1 Deductible then $15/$50/50% |
Show Benefits + |
|
Passport Plan National Silver HSAQ |
|---|
2026 Q3 |
| Employee Rate $1,014.04 |
| Employee and Child(ren) Rate $1,723.87 |
| Employee and Spouse Rate $2,028.08 |
| Family Rate $2,890.01 |
| First Dollar Coverage N/A |
| In-Network Deductible $3,500/$7,000 (T) |
| In-Network Coinsurance Deductible then 25% |
| Primary Care/Specialist Office Visit Deductible then 25% |
| 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 25% |
| Emergency Room Services Deductible then 25% |
| Pharmacy1 Deductible then $15/$50/50% |
Show Benefits + |
|
Passport Plan Local Silver HSAQ3 |
|---|
2026 Q3 New |
| Employee Rate $870.69 |
| Employee and Child(ren) Rate $1,480.17 |
| Employee and Spouse Rate $1,741.38 |
| Family Rate $2,481.47 |
| First Dollar Coverage N/A |
| In-Network Deductible $3,500/$7,000 (T) |
| In-Network Coinsurance Deductible then 25% |
| Primary Care/Specialist Office Visit Deductible then 25% |
| 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 25% |
| Emergency Room Services Deductible then 25% |
| Pharmacy1 Deductible then $15/$50/50% |
Show Benefits + |
|
iDirect Bronze Coinsurance HSAQ |
|---|
2026 Q3 |
| Employee Rate $722.59 |
| Employee and Child(ren) Rate $1,228.40 |
| Employee and Spouse Rate $1,445.18 |
| Family Rate $2,059.38 |
| First Dollar Coverage N/A |
| In-Network Deductible $6,000/$12,000 (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% |
| Pharmacy1 Deductible then 50% |
Show Benefits + |
|
iDirect Bronze MV HSAQ |
|---|
2026 Q3 |
| Employee Rate $709.41 |
| Employee and Child(ren) Rate $1,206.00 |
| Employee and Spouse Rate $1,418.82 |
| Family Rate $2,021.82 |
| First Dollar Coverage N/A |
| In-Network Deductible $8,450/$16,900 (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 |
| Pharmacy1 Deductible then $0 |
Show Benefits + |
| iDirect Bronze MV |
|---|
2026 Q3 New |
| Employee Rate $680.60 |
| Employee and Child(ren) Rate $1,157.02 |
| Employee and Spouse Rate $1,361.20 |
| Family Rate $1,939.71 |
| First Dollar Coverage N/A |
| In-Network Deductible $10,600/$21,200 (E) |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit $30/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 |
| Pharmacy1 Deductible then $0 |
Show Benefits + |
|
Passport Plan National Bronze HSAQ |
|---|
2026 Q3 |
| Employee Rate $920.18 |
| Employee and Child(ren) Rate $1,564.31 |
| Employee and Spouse Rate $1,840.36 |
| Family Rate $2,622.51 |
| First Dollar Coverage N/A |
| In-Network Deductible $6,000/$12,000 (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% |
| Pharmacy1 Deductible then 50% |
Show Benefits + |
|
Passport Plan Local Bronze HSAQ3 |
|---|
2026 Q3 |
| Employee Rate $790.15 |
| Employee and Child(ren) Rate $1,343.26 |
| Employee and Spouse Rate $1,580.30 |
| Family Rate $2,251.93 |
| First Dollar Coverage N/A |
| In-Network Deductible $6,000/$12,000 (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% |
| Pharmacy1 Deductible then 50% |
Show Benefits + |
| Standard Healthy NY Gold2 |
|---|
2026 Q3 |
| Employee Rate $832.68 |
| Employee and Child(ren) Rate $1,415.56 |
| Employee and Spouse Rate $1,665.36 |
| Family Rate $2,373.14 |
| First Dollar Coverage N/A |
| In-Network Deductible $775/$1,550 (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 |
| Pharmacy1 $10/$35/$70 |
Show Benefits + |
