Independent Health is the smart business decision
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

Read More »
Product Options

New plan and unique benefit for 2023

Read More »
Better Care

Better care and outcomes for employees

Read More »
Locally Owned

Locally owned
health plan

Read More »

Satisfaction across all audiences

Satisfied
Recommended
Preferred

*2021 Annual Employer Stakeholder Study

**2021 Annual Consumer Stakeholder Study

The plans shown below represent our 2023 Q3 Small Group plans. Download a printable version here.

To view our 2023 Q2 plans and rates, click here.

Show Plans By Metal Tier:

FlexFit Platinum

2023 Q3

Employee Rate
$704.37
Employee and Child(ren) Rate
$1,197.43
Employee and Spouse Rate
$1,408.74
Family Rate
$2,007.45
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 Q3

Employee Rate
$718.29
Employee and Child(ren) Rate
$1,221.09
Employee and Spouse Rate
$1,436.58
Family Rate
$2,047.13
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 Q3

Employee Rate
$669.77
Employee and Child(ren) Rate
$1,138.61
Employee and Spouse Rate
$1,339.54
Family Rate
$1,908.84
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 Q3

Employee Rate
$864.31
Employee and Child(ren) Rate
$1,469.33
Employee and Spouse Rate
$1,728.62
Family Rate
$2,463.28
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 Q3

Employee Rate
$717.98
Employee and Child(ren) Rate
$1,220.57
Employee and Spouse Rate
$1,435.96
Family Rate
$2,046.24
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 Q3

Employee Rate
$644.09
Employee and Child(ren) Rate
$1,094.95
Employee and Spouse Rate
$1,288.18
Family Rate
$1,835.66
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 Q3

Employee Rate
$581.20
Employee and Child(ren) Rate
$988.04
Employee and Spouse Rate
$1,162.40
Family Rate
$1,656.42
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 Q3

Employee Rate
$557.15
Employee and Child(ren) Rate
$947.16
Employee and Spouse Rate
$1,114.30
Family Rate
$1,587.88
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 Q3

Employee Rate
$539.72
Employee and Child(ren) Rate
$917.52
Employee and Spouse Rate
$1,079.44
Family Rate
$1,538.20
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 Q3

Employee Rate
$612.68
Employee and Child(ren) Rate
$1,041.56
Employee and Spouse Rate
$1,225.36
Family Rate
$1,746.14
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 Q3

Employee Rate
$620.00
Employee and Child(ren) Rate
$1,054.00
Employee and Spouse Rate
$1,240.00
Family Rate
$1,767.00
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 Q3 New

Employee Rate
$630.80
Employee and Child(ren) Rate
$1,072.36
Employee and Spouse Rate
$1,261.60
Family Rate
$1,797.78
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 Q3

Employee Rate
$596.59
Employee and Child(ren) Rate
$1,014.20
Employee and Spouse Rate
$1,193.18
Family Rate
$1,700.28
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 Q3

Employee Rate
$687.50
Employee and Child(ren) Rate
$1,168.75
Employee and Spouse Rate
$1,375.00
Family Rate
$1,959.38
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 Q3

Employee Rate
$579.01
Employee and Child(ren) Rate
$984.32
Employee and Spouse Rate
$1,158.02
Family Rate
$1,650.18
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 Q3

Employee Rate
$561.61
Employee and Child(ren) Rate
$954.74
Employee and Spouse Rate
$1,123.22
Family Rate
$1,600.59
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 Q3

Employee Rate
$512.41
Employee and Child(ren) Rate
$871.10
Employee and Spouse Rate
$1,024.82
Family Rate
$1,460.37
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 Q3

Employee Rate
$489.71
Employee and Child(ren) Rate
$832.51
Employee and Spouse Rate
$979.42
Family Rate
$1,395.67
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 Q3

Employee Rate
$549.36
Employee and Child(ren) Rate
$933.91
Employee and Spouse Rate
$1,098.72
Family Rate
$1,565.68
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 Q3

Employee Rate
$541.27
Employee and Child(ren) Rate
$920.16
Employee and Spouse Rate
$1,082.54
Family Rate
$1,542.62
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 Q3

Employee Rate
$507.04
Employee and Child(ren) Rate
$861.97
Employee and Spouse Rate
$1,014.08
Family Rate
$1,445.06
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 Q3

Employee Rate
$516.09
Employee and Child(ren) Rate
$877.35
Employee and Spouse Rate
$1,032.18
Family Rate
$1,470.86
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 Q3

Employee Rate
$612.12
Employee and Child(ren) Rate
$1,040.60
Employee and Spouse Rate
$1,224.24
Family Rate
$1,744.54
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 Q3

Employee Rate
$517.76
Employee and Child(ren) Rate
$880.19
Employee and Spouse Rate
$1,035.52
Family Rate
$1,475.62
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 Q3

Employee Rate
$398.61
Employee and Child(ren) Rate
$677.64
Employee and Spouse Rate
$797.22
Family Rate
$1,136.04
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 Q3

Employee Rate
$466.97
Employee and Child(ren) Rate
$793.85
Employee and Spouse Rate
$933.94
Family Rate
$1,330.86
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 Q3

Employee Rate
$466.78
Employee and Child(ren) Rate
$793.53
Employee and Spouse Rate
$933.56
Family Rate
$1,330.32
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 Q3

Employee Rate
$463.25
Employee and Child(ren) Rate
$787.53
Employee and Spouse Rate
$926.50
Family Rate
$1,320.26
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 Q3

Employee Rate
$561.56
Employee and Child(ren) Rate
$954.65
Employee and Spouse Rate
$1,123.12
Family Rate
$1,600.45
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 Q3

Employee Rate
$476.81
Employee and Child(ren) Rate
$810.58
Employee and Spouse Rate
$953.62
Family Rate
$1,358.91
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 +