One health plan stands out for your small business.
Lower rates. New and enhanced product options.
And 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 allowed us to bring you some unique advantages for 2021.

Lower Premiums

Lower premiums for 2021

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Product Options

New and enhanced product options

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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

JD Power

#1 Member Satisfaction among Commercial Health Plans in New York

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Satisfied
Recommended
Preferred

*2019 Employer Stakeholder Survey

**2019 Physician and Office Manager Stakeholder Survey

The plans shown below represent our 2021 Q1 Small Group plans. Download a printable version here.

To view our 2020 Q4 plans and rates, click here.

Show Plans By Metal Tier:

FlexFit Platinum

2021 Q1

Employee Rate
$615.10
Employee and Child(ren) Rate
$1,045.67
Employee and Spouse Rate
$1,230.20
Family Rate
$1,753.04
First Dollar Coverage
N/A
In-Network Deductible
$0
In-Network Coinsurance
0%
Primary Care/Specialist Office Visit
$0/$40
Telemedicine - General Medical Services
(participating Teledoc® providers only)
For Mental Health and Dermatology telemedicine refer to the plan's benefit summary

$10
Inpatient Hospital Services
(per admission)

$500
Emergency Room Services
$150
Pharmacy1
$5/$30/50%

Show Benefits +

Choice Plus Platinum2

2021 Q1

Employee Rate
$581.05
Employee and Child(ren) Rate
$987.79
Employee and Spouse Rate
$1,162.10
Family Rate
$1,655.99
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 Services
(participating Teledoc® providers only)
For Mental Health and Dermatology telemedicine refer to the plan's benefit summary

$10
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

2021 Q1

Employee Rate
$749.69
Employee and Child(ren) Rate
$1,274.47
Employee and Spouse Rate
$1,499.38
Family Rate
$2,136.62
First Dollar Coverage
N/A
In-Network Deductible
$0
In-Network Coinsurance
0%
Primary Care/Specialist Office Visit
$10/$40
Telemedicine - General Medical Services
(participating Teledoc® providers only)
For Mental Health and Dermatology telemedicine refer to the plan's benefit summary

$10
Inpatient Hospital Services
(per admission)

$500
Emergency Room Services
$150
Pharmacy1
$5/$30/50%

Show Benefits +

Passport Plan Local Platinum4

2021 Q1

Employee Rate
$625.53
Employee and Child(ren) Rate
$1,063.40
Employee and Spouse Rate
$1,251.06
Family Rate
$1,782.76
First Dollar Coverage
N/A
In-Network Deductible
$0
In-Network Coinsurance
0%
Primary Care/Specialist Office Visit
$10/$40
Telemedicine - General Medical Services
(participating Teledoc® providers only)
For Mental Health and Dermatology telemedicine refer to the plan's benefit summary

$10
Inpatient Hospital Services
(per admission)

$500
Emergency Room Services
$150
Pharmacy1
$5/$30/50%

Show Benefits +

Activate Gold

2021 Q1

Employee Rate
$496.34
Employee and Child(ren) Rate
$843.78
Employee and Spouse Rate
$992.68
Family Rate
$1,414.57
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 Services
(participating Teledoc® providers only)
For Mental Health and Dermatology telemedicine refer to the plan's benefit summary

$20 Copayment after first dollar and deductible
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

2021 Q1 New

Employee Rate
$485.39
Employee and Child(ren) Rate
$825.16
Employee and Spouse Rate
$970.78
Family Rate
$1,383.36
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 Services
(participating Teledoc® providers only)
For Mental Health and 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

2021 Q1

Employee Rate
$469.73
Employee and Child(ren) Rate
$798.54
Employee and Spouse Rate
$939.46
Family Rate
$1,338.73
First Dollar Coverage
N/A
In-Network Deductible
$600/$1,200 (E)
In-Network Coinsurance
0%
Primary Care/Specialist Office Visit
Deductible then $25/$40
Telemedicine - General Medical Services
(participating Teledoc® providers only)
For Mental Health and Dermatology telemedicine refer to the plan's benefit summary

Deductible then $25
Inpatient Hospital Services
(per admission)

Deductible then $1,000
Emergency Room Services
Deductible then $150
Pharmacy1
$10/$35/$70

Show Benefits +

iDirect Gold Copay

2021 Q1

Employee Rate
$538.06
Employee and Child(ren) Rate
$914.70
Employee and Spouse Rate
$1,076.12
Family Rate
$1,533.47
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 Services
(participating Teledoc® providers only)
For Mental Health and Dermatology telemedicine refer to the plan's benefit summary

$20
Inpatient Hospital Services
(per admission)

Deductible then $1,000
Emergency Room Services
$150
Pharmacy1
$10/$40/50%

Show Benefits +

iDirect Gold Copay HSAQ
HealthEquity

2021 Q1

Employee Rate
$513.68
Employee and Child(ren) Rate
$873.26
Employee and Spouse Rate
$1,027.36
Family Rate
$1,463.99
First Dollar Coverage
N/A
In-Network Deductible
$1,400/$2,800 (T)
In-Network Coinsurance
0%
Primary Care/Specialist Office Visit
Deductible then $20/$50
Telemedicine - General Medical Services
(participating Teledoc® providers only)
For Mental Health and Dermatology telemedicine refer to the plan's benefit summary

Deductible then $20
Inpatient Hospital Services
(per admission)

Deductible then $1,000
Emergency Room Services
Deductible then $150
Pharmacy1
Deductible then $10/$40/50%

Show Benefits +

Max Gold

2021 Q1

Employee Rate
$524.26
Employee and Child(ren) Rate
$891.24
Employee and Spouse Rate
$1,048.52
Family Rate
$1,494.14
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 Services
(participating Teledoc® providers only)
For Mental Health and Dermatology telemedicine refer to the plan's benefit summary

$20
Inpatient Hospital Services
(per admission)

Deductible then $1,000
Emergency Room Services
Deductible then $150
Pharmacy1
$10/Deductible then $40/
Deductible then 50%

Show Benefits +

iDirect Gold Coinsurance HSAQ
HealthEquity

2021 Q1

Employee Rate
$496.69
Employee and Child(ren) Rate
$844.37
Employee and Spouse Rate
$993.38
Family Rate
$1,415.57
First Dollar Coverage
N/A
In-Network Deductible
$1,400/$2,800 (T)
In-Network Coinsurance
Deductible then 20%
Primary Care/Specialist Office Visit
Deductible then 20%
Telemedicine - General Medical Services
(participating Teledoc® providers only)
For Mental Health and Dermatology telemedicine refer to the plan's benefit summary

Deductible then 20%
Inpatient Hospital Services
(per admission)

Deductible then 20%
Emergency Room Services
Deductible then 20%
Pharmacy1
Deductible then 20%/20%/50%

Show Benefits +

Choice Plus Gold2

2021 Q1

Employee Rate
$510.68
Employee and Child(ren) Rate
$868.16
Employee and Spouse Rate
$1,021.36
Family Rate
$1,455.44
First Dollar Coverage
N/A
In-Network Deductible
A: $1,250/$2,500 (T)
B: $2,750/$5,500 (T)
In-Network Coinsurance
A: 0%
B: Deductible then 50%
Primary Care/Specialist Office Visit
A: $20/Deductible then $50
B: Deductible then 50%
Telemedicine - General Medical Services
(participating Teledoc® providers only)
For Mental Health and Dermatology telemedicine refer to the plan's benefit summary

$20
Inpatient Hospital Services
(per admission)

Deductible then
A: $1,000
B: 50%
Emergency Room Services
A: $150
B: $150
Pharmacy1
$10/$40/50%

Show Benefits +

Passport Plan National Gold HSAQ HealthEquity

2021 Q1

Employee Rate
$598.87
Employee and Child(ren) Rate
$1,018.08
Employee and Spouse Rate
$1,197.74
Family Rate
$1,706.78
First Dollar Coverage
N/A
In-Network Deductible
$1,400/$2,800 (T)
In-Network Coinsurance
Deductible then 20%
Primary Care/Specialist Office Visit
Deductible then 20%
Telemedicine - General Medical Services
(participating Teledoc® providers only)
For Mental Health and Dermatology telemedicine refer to the plan's benefit summary

Deductible then 20%
Inpatient Hospital Services
(per admission)

Deductible then 20%
Emergency Room Services
Deductible then 20%
Pharmacy1
20%/20%/50%

Show Benefits +

Passport Plan Local Gold HSAQ4
HealthEquity

2021 Q1

Employee Rate
$504.79
Employee and Child(ren) Rate
$858.09
Employee and Spouse Rate
$1,009.52
Family Rate
$1,438.57
First Dollar Coverage
N/A
In-Network Deductible
$1,400/$2,800 (T)
In-Network Coinsurance
Deductible then 20%
Primary Care/Specialist Office Visit
Deductible then 20%
Telemedicine - General Medical Services
(participating Teledoc® providers only)
For Mental Health and Dermatology telemedicine refer to the plan's benefit summary

Deductible then 20%
Inpatient Hospital Services
(per admission)

Deductible then 20%
Emergency Room Services
Deductible then 20%
Pharmacy1
Deductible then 20%/20%/50%

Show Benefits +

Standard Silver

2021 Q1

Employee Rate
$493.04
Employee and Child(ren) Rate
$838.17
Employee and Spouse Rate
$986.08
Family Rate
$1,405.16
First Dollar Coverage
N/A
In-Network Deductible
$1,300/$2,600 (E)
In-Network Coinsurance
0%
Primary Care/Specialist Office Visit
Deductible then $30/$50
Telemedicine - General Medical Services
(participating Teledoc® providers only)
For Mental Health and Dermatology telemedicine refer to the plan's benefit summary

Deductible then $30
Inpatient Hospital Services
(per admission)

Deductible then $1,500
Emergency Room Services
Deductible then $300
Pharmacy1
$10/$35/$70

Show Benefits +

Activate Silver

2021 Q1 New

Employee Rate
$434.28
Employee and Child(ren) Rate
$738.28
Employee and Spouse Rate
$868.56
Family Rate
$1,237.70
First Dollar Coverage
$500/$1,000
In-Network Deductible
$3,000/$6,000 (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 Services
(participating Teledoc® providers only)
For Mental Health and Dermatology telemedicine refer to the plan's benefit summary

$35 Copayment after first dollar and deductible
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 deductible

Show Benefits +

thRed Silver5

2021 Q1 New

Employee Rate
$430.08
Employee and Child(ren) Rate
$731.14
Employee and Spouse Rate
$860.16
Family Rate
$1,225.73
First Dollar Coverage
N/A
In-Network Deductible
$3,500/$7,000 (T)
In-Network Coinsurance
0%
Primary Care/Specialist Office Visit
$0/Deductible then $60
Telemedicine - General Medical Services
(participating Teledoc® providers only)
For Mental Health and 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 +

thRed Silver HSAQ5 HealthEquity

2021 Q1 New

Employee Rate
$394.48
Employee and Child(ren) Rate
$670.62
Employee and Spouse Rate
$788.96
Family Rate
$1,124.27
First Dollar Coverage
N/A
In-Network Deductible
$3,500/$7,000 (T)
In-Network Coinsurance
0%
Primary Care/Specialist Office Visit
Deductible then $0/$60
Telemedicine - General Medical Services
(participating Teledoc® providers only)
For Mental Health and 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 $250
Pharmacy1
$15/$50/50%

Show Benefits +

iDirect Silver Copay

2021 Q1

Employee Rate
$468.13
Employee and Child(ren) Rate
$795.82
Employee and Spouse Rate
$936.26
Family Rate
$1,334.17
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/$60
Telemedicine - General Medical Services
(participating Teledoc® providers only)
For Mental Health and Dermatology telemedicine refer to the plan's benefit summary

Deductible then $35
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

2021 Q1

Employee Rate
$459.05
Employee and Child(ren) Rate
$780.39
Employee and Spouse Rate
$918.10
Family Rate
$1,308.29
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/$60
Telemedicine - General Medical Services
(participating Teledoc® providers only)
For Mental Health and Dermatology telemedicine refer to the plan's benefit summary

Deductible then $35
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

2021 Q1

Employee Rate
$435.69
Employee and Child(ren) Rate
$740.67
Employee and Spouse Rate
$871.38
Family Rate
$1,241.72
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 Services
(participating Teledoc® providers only)
For Mental Health and Dermatology telemedicine refer to the plan's benefit summary

Deductible then 20%
Inpatient Hospital Services
(per admission)

Deductible then 20%
Emergency Room Services
Deductible then 20%
Pharmacy1
Deductible then 20%/20%/50%

Show Benefits +

Max Silver


2021 Q1

Employee Rate
$465.39
Employee and Child(ren) Rate
$791.16
Employee and Spouse Rate
$930.78
Family Rate
$1,326.36
First Dollar Coverage
N/A
In-Network Deductible
$2,800/$5,600 (T)
In-Network Coinsurance
0%
Primary Care/Specialist Office Visit
$35/Deductible then $60
Telemedicine - General Medical Services
(participating Teledoc® providers only)
For Mental Health and Dermatology telemedicine refer to the plan's benefit summary

$35
Inpatient Hospital Services
(per admission)

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

Show Benefits +

Choice Plus Silver HSAQ2
HealthEquity

2021 Q1

Employee Rate
$437.01
Employee and Child(ren) Rate
$742.92
Employee and Spouse Rate
$874.02
Family Rate
$1,245.48
First Dollar Coverage
N/A
In-Network Deductible
A: $2,250/$4,500 (T)
B: $3,750/$7,500 (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 Services
(participating Teledoc® providers only)
For Mental Health and Dermatology telemedicine refer to the plan's benefit summary

Deductible then $35
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

2021 Q1

Employee Rate
$524.34
Employee and Child(ren) Rate
$891.38
Employee and Spouse Rate
$1,048.68
Family Rate
$1,494.37
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 Services
(participating Teledoc® providers only)
For Mental Health and Dermatology telemedicine refer to the plan's benefit summary

Deductible then 20%
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

2021 Q1

Employee Rate
$442.76
Employee and Child(ren) Rate
$752.69
Employee and Spouse Rate
$885.52
Family Rate
$1,261.87
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 Services
(participating Teledoc® providers only)
For Mental Health and Dermatology telemedicine refer to the plan's benefit summary

Deductible then 20%
Inpatient Hospital Services
(per admission)

Deductible then 20%
Emergency Room Services
Deductible then 20%
Pharmacy1
Deductible then 20%/20%/50%

Show Benefits +

thRed Bronze5

2021 Q1 New

Employee Rate
$336.80
Employee and Child(ren) Rate
$572.56
Employee and Spouse Rate
$673.60
Family Rate
$959.88
First Dollar Coverage
N/A
In-Network Deductible
$8,550/$17,100 (E)
In-Network Coinsurance
0%
Primary Care/Specialist Office Visit
Deductible then $0
Telemedicine - General Medical Services
(participating Teledoc® providers only)
For Mental Health and 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 Blended HSAQ
HealthEquity

2021 Q1

Employee Rate
$391.19
Employee and Child(ren) Rate
$665.02
Employee and Spouse Rate
$782.38
Family Rate
$1,114.89
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/$60
Telemedicine - General Medical Services
(participating Teledoc® providers only)
For Mental Health and Dermatology telemedicine refer to the plan's benefit summary

Deductible then $40
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

2021 Q1

Employee Rate
$391.26
Employee and Child(ren) Rate
$665.14
Employee and Spouse Rate
$782.52
Family Rate
$1,115.09
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 Services
(participating Teledoc® providers only)
For Mental Health and Dermatology telemedicine refer to the plan's benefit summary

Deductible then 50%
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

2021 Q1

Employee Rate
$389.42
Employee and Child(ren) Rate
$662.01
Employee and Spouse Rate
$778.84
Family Rate
$1,109.85
First Dollar Coverage
N/A
In-Network Deductible
$6,950/$13,900 (E)
In-Network Coinsurance
0%
Primary Care/Specialist Office Visit
Deductible then $0
Telemedicine - General Medical Services
(participating Teledoc® providers only)
For Mental Health and 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

2021 Q1

Employee Rate
$468.45
Employee and Child(ren) Rate
$796.37
Employee and Spouse Rate
$936.90
Family Rate
$1,335.08
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 Services
(participating Teledoc® providers only)
For Mental Health and Dermatology telemedicine refer to the plan's benefit summary

Deductible then 50%
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

2021 Q1

Employee Rate
$397.46
Employee and Child(ren) Rate
$675.68
Employee and Spouse Rate
$794.92
Family Rate
$1,132.76
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 Services
(participating Teledoc® providers only)
For Mental Health and Dermatology telemedicine refer to the plan's benefit summary

Deductible then 50%
Inpatient Hospital Services
(per admission)

Deductible then 50%
Emergency Room Services
Deductible then 50%
Pharmacy1
Deductible then 50%

Show Benefits +