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Making it easy for the health of your business and employees with low-cost plans and less hassle.
All with the RedShirt® Treatment.

Since 1980, our mission has been to provide affordable access to quality coverage while enhancing the health and well-being of the communities we serve. We do this by working collaboratively with physicians, hospital systems and other community partners. The trusted relationships we've built over the last 40+ years have helped us bring you low rates for 2023.

Lower Premiums

Low rates for 2023

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Product Options

New plan and unique benefit for 2023

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Better Care

Better care and outcomes for employees

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Locally Owned

Locally owned
health plan

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Satisfaction across all audiences

Satisfied
Recommended
Preferred

*2021 Annual Employer Stakeholder Study

**2021 Annual Consumer Stakeholder Study

The plans shown below represent our 2023 Q2 Small Group plans. Download a printable version here.

To view our 2023 Q1 plans and rates, click here.

Show Plans By Metal Tier:

FlexFit Platinum

2023 Q2

Employee Rate
$693.96
Employee and Child(ren) Rate
$1,179.73
Employee and Spouse Rate
$1,387.92
Family Rate
$1,977.79
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
$150
Pharmacy1
$5/$30/50%

Show Benefits +

FlexFit Platinum Option 2

2023 Q2

Employee Rate
$707.67
Employee and Child(ren) Rate
$1,203.04
Employee and Spouse Rate
$1,415.34
Family Rate
$2,016.86
First Dollar Coverage
N/A
In-Network Deductible
$0
In-Network Coinsurance
0%
Primary Care/Specialist Office Visit
$5/$25
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
Pharmacy1
$5/$30/$100

Show Benefits +

Choice Plus Platinum2

2023 Q2

Employee Rate
$659.86
Employee and Child(ren) Rate
$1,121.76
Employee and Spouse Rate
$1,319.72
Family Rate
$1,880.60
First Dollar Coverage
N/A
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
Pharmacy1
$5/$30/50%

Show Benefits +

Passport Plan National Platinum

2023 Q2

Employee Rate
$851.53
Employee and Child(ren) Rate
$1,447.60
Employee and Spouse Rate
$1,703.06
Family Rate
$2,426.86
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
$150
Pharmacy1
$5/$30/50%

Show Benefits +

Passport Plan Local Platinum4

2023 Q2

Employee Rate
$707.38
Employee and Child(ren) Rate
$1,202.55
Employee and Spouse Rate
$1,414.76
Family Rate
$2,016.03
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
$150
Pharmacy1
$5/$30/50%

Show Benefits +

thRed Platinum5

2023 Q2

Employee Rate
$634.57
Employee and Child(ren) Rate
$1,078.77
Employee and Spouse Rate
$1,269.14
Family Rate
$1,808.52
First Dollar Coverage
N/A
In-Network Deductible
$0
In-Network Coinsurance
0%
Primary Care/Specialist Office Visit
$0/$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
Pharmacy1
$5/$30/50%

Show Benefits +

Activate Gold

2023 Q2

Employee Rate
$572.62
Employee and Child(ren) Rate
$973.45
Employee and Spouse Rate
$1,145.24
Family Rate
$1,631.97
First Dollar Coverage
$750/$1,500
In-Network Deductible
$1,500/$3,000 (E)
In-Network Coinsurance
25% Coinsurance after first dollar and deductible
Primary Care/Specialist Office Visit
$20/$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

Show Benefits +

thRed Gold5

2023 Q2

Employee Rate
$548.91
Employee and Child(ren) Rate
$933.15
Employee and Spouse Rate
$1,097.82
Family Rate
$1,564.39
First Dollar Coverage
N/A
In-Network Deductible
$1,500/$3,000 (T)
In-Network Coinsurance
0%
Primary Care/Specialist Office Visit
$0/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
Pharmacy1
$10/$40/50%

Show Benefits +

Standard Healthy NY Gold3

2023 Q2

Employee Rate
$531.74
Employee and Child(ren) Rate
$903.96
Employee and Spouse Rate
$1,063.48
Family Rate
$1,515.46
First Dollar Coverage
N/A
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
Pharmacy1
$10/$35/$70

Show Benefits +

iDirect Gold Copay

2023 Q2

Employee Rate
$603.62
Employee and Child(ren) Rate
$1,026.15
Employee and Spouse Rate
$1,207.24
Family Rate
$1,720.32
First Dollar Coverage
N/A
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
Pharmacy1
$10/$40/50%

Show Benefits +

iDirect Gold Copay Option 2

2023 Q2

Employee Rate
$610.83
Employee and Child(ren) Rate
$1,038.41
Employee and Spouse Rate
$1,221.66
Family Rate
$1,740.87
First Dollar Coverage
N/A
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 $750
Emergency Room Services
Deductible then $150
Pharmacy1
$10/$40/$100

Show Benefits +

iDirect Gold Copay Option 3

2023 Q2 New

Employee Rate
$621.47
Employee and Child(ren) Rate
$1,056.50
Employee and Spouse Rate
$1,242.94
Family Rate
$1,771.19
First Dollar Coverage
N/A
In-Network Deductible
$600/$1,200 (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 $150
Pharmacy1
$10/$35/$50%

Show Benefits +

iDirect Gold Copay HSAQ
HealthEquity

2023 Q2

Employee Rate
$587.77
Employee and Child(ren) Rate
$999.21
Employee and Spouse Rate
$1,175.54
Family Rate
$1,675.14
First Dollar Coverage
N/A
In-Network Deductible
$1,500/$3,000 (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 $150
Pharmacy1
Deductible then $10/$40/50%

Show Benefits +

Passport Plan National Gold HSAQ
HealthEquity

2023 Q2

Employee Rate
$677.35
Employee and Child(ren) Rate
$1,151.50
Employee and Spouse Rate
$1,354.70
Family Rate
$1,930.45
First Dollar Coverage
N/A
In-Network Deductible
$1,500/$3,000 (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 20%/20%/50%

Show Benefits +

Passport Plan Local Gold HSAQ4
HealthEquity

2023 Q2

Employee Rate
$570.45
Employee and Child(ren) Rate
$969.77
Employee and Spouse Rate
$1,140.90
Family Rate
$1,625.78
First Dollar Coverage
N/A
In-Network Deductible
$1,500/$3,000 (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 20%/20%/50%

Show Benefits +

Standard Silver

2023 Q2

Employee Rate
$553.32
Employee and Child(ren) Rate
$940.64
Employee and Spouse Rate
$1,106.64
Family Rate
$1,576.96
First Dollar Coverage
N/A
In-Network Deductible
$1,750/$3,500 (E)
In-Network Coinsurance
0%
Primary Care/Specialist Office Visit
Deductible then $306/Deductible then $656
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/$40/$75

Show Benefits +

Activate Silver

2023 Q2

Employee Rate
$504.84
Employee and Child(ren) Rate
$858.23
Employee and Spouse Rate
$1,009.68
Family Rate
$1,438.79
First Dollar Coverage
$500/$1,000
In-Network Deductible
$3,100/$6,200 (E)
In-Network Coinsurance
40% Coinsurance after first dollar and deductible
Primary Care/Specialist Office Visit
$35/$60 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 +

thRed Silver5

2023 Q2

Employee Rate
$482.48
Employee and Child(ren) Rate
$820.22
Employee and Spouse Rate
$964.96
Family Rate
$1,375.07
First Dollar Coverage
N/A
In-Network Deductible
$4,000/$8,000 (T)
In-Network Coinsurance
0%
Primary Care/Specialist Office Visit
$0/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 $1,500
Emergency Room Services
Deductible then $250
Pharmacy1
$15/$50/50%

Show Benefits +

iDirect Silver Copay

2023 Q2

Employee Rate
$541.24
Employee and Child(ren) Rate
$920.11
Employee and Spouse Rate
$1,082.48
Family Rate
$1,542.53
First Dollar Coverage
N/A
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

$0
Inpatient Hospital Services
(per admission)

Deductible then $1,000
Emergency Room Services
Deductible then $250
Pharmacy1
$15/$50/50%

Show Benefits +

iDirect Silver Copay HSAQ
HealthEquity

2023 Q2

Employee Rate
$533.28
Employee and Child(ren) Rate
$906.58
Employee and Spouse Rate
$1,066.56
Family Rate
$1,519.85
First Dollar Coverage
N/A
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
Pharmacy1
Deductible then $15/$50/50%

Show Benefits +

iDirect Silver Coinsurance HSAQ
HealthEquity

2023 Q2

Employee Rate
$499.54
Employee and Child(ren) Rate
$849.22
Employee and Spouse Rate
$999.08
Family Rate
$1,423.69
First Dollar Coverage
N/A
In-Network Deductible
$3,000/$6,000 (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 20%/20%/50%

Show Benefits +

Choice Plus Silver HSAQ2
HealthEquity

2023 Q2

Employee Rate
$508.47
Employee and Child(ren) Rate
$864.40
Employee and Spouse Rate
$1,016.94
Family Rate
$1,449.14
First Dollar Coverage
N/A
In-Network Deductible
A: $2,000/$4,000 (T)
B: $3,500/$7,000 (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
Pharmacy1
Deductible then
$15/$50/50%

Show Benefits +

Passport Plan National Silver HSAQ
HealthEquity

2023 Q2

Employee Rate
$603.08
Employee and Child(ren) Rate
$1,025.24
Employee and Spouse Rate
$1,206.16
Family Rate
$1,718.78
First Dollar Coverage
N/A
In-Network Deductible
$3,000/$6,000 (E)
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 20%/20%/50%

Show Benefits +

Passport Plan Local Silver HSAQ4
HealthEquity

2023 Q2

Employee Rate
$510.11
Employee and Child(ren) Rate
$867.19
Employee and Spouse Rate
$1,020.22
Family Rate
$1,453.81
First Dollar Coverage
N/A
In-Network Deductible
$3,000/$6,000 (E)
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 20%/20%/50%

Show Benefits +

thRed Bronze5

2023 Q2

Employee Rate
$392.72
Employee and Child(ren) Rate
$667.62
Employee and Spouse Rate
$785.44
Family Rate
$1,119.25
First Dollar Coverage
N/A
In-Network Deductible
$9,100/$18,200 (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

$0
Inpatient Hospital Services
(per admission)

Deductible then $0
Emergency Room Services
Deductible then $0
Pharmacy1
Deductible then $0

Show Benefits +

iDirect Bronze Blended HSAQ
HealthEquity

2023 Q2

Employee Rate
$460.07
Employee and Child(ren) Rate
$782.12
Employee and Spouse Rate
$920.14
Family Rate
$1,311.20
First Dollar Coverage
N/A
In-Network Deductible
$6,000/$12,000 (E)
In-Network Coinsurance
Deductible then 30%
Primary Care/Specialist Office Visit
Deductible then $40/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 30%
Emergency Room Services
Deductible then 30%
Pharmacy1
Deductible then $20/30%/50%

Show Benefits +

iDirect Bronze Coinsurance HSAQ
HealthEquity

2023 Q2

Employee Rate
$459.88
Employee and Child(ren) Rate
$781.80
Employee and Spouse Rate
$919.76
Family Rate
$1,310.66
First Dollar Coverage
N/A
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%
Pharmacy1
Deductible then 50%

Show Benefits +

iDirect Bronze MV HSAQ
HealthEquity

2023 Q2

Employee Rate
$456.40
Employee and Child(ren) Rate
$775.88
Employee and Spouse Rate
$912.80
Family Rate
$1,300.74
First Dollar Coverage
N/A
In-Network Deductible
$7,100/$14,200 (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 +

Passport Plan National Bronze HSAQ
HealthEquity

2023 Q2

Employee Rate
$553.27
Employee and Child(ren) Rate
$940.56
Employee and Spouse Rate
$1,106.54
Family Rate
$1,576.82
First Dollar Coverage
N/A
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%
Pharmacy1
Deductible then 50%

Show Benefits +

Passport Plan Local Bronze HSAQ4
HealthEquity

2023 Q2

Employee Rate
$469.77
Employee and Child(ren) Rate
$798.61
Employee and Spouse Rate
$939.54
Family Rate
$1,338.84
First Dollar Coverage
N/A
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%
Pharmacy1
Deductible then 50%

Show Benefits +