Committed to
our Hometown.


Ensuring you're
covered out of town.

New national
network.


Locally loved
support.

Competitive
premiums.


Unmatched
Redshirt® support.

less
hassle.


more
flexibility.

Your business deserves the RedShirt® Treatment

Competitive premiums, hands-on support, and a new national network — that's where quality coverage meets a healthy bottom line. 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.

The plans shown below represent our 2024 Q2 Small Group plans. Download a printable version here.

To view our 2024 Q1 plans and rates, click here.

Show Plans By Metal Tier:

FlexFit Platinum

2024 Q2

Employee Rate
$796.87
Employee and Child(ren) Rate
$1,354.68
Employee and Spouse Rate
$1,593.74
Family Rate
$2,271.08
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

2024 Q2

Employee Rate
$816.28
Employee and Child(ren) Rate
$1,387.68
Employee and Spouse Rate
$1,632.56
Family Rate
$2,326.40
First Dollar Coverage
N/A
In-Network Deductible
$0
In-Network Coinsurance
0%
Primary Care/Specialist Office Visit
$10/$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

2024 Q2

Employee Rate
$733.55
Employee and Child(ren) Rate
$1,247.04
Employee and Spouse Rate
$1,467.10
Family Rate
$2,090.62
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

2024 Q2

Employee Rate
$1,113.55
Employee and Child(ren) Rate
$1,893.04
Employee and Spouse Rate
$2,227.10
Family Rate
$3,173.62
First Dollar Coverage
N/A
In-Network Deductible
$0
In-Network Coinsurance
0%
Primary Care/Specialist Office Visit
$15/$45
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

2024 Q2

Employee Rate
$828.74
Employee and Child(ren) Rate
$1,408.86
Employee and Spouse Rate
$1,657.48
Family Rate
$2,361.91
First Dollar Coverage
N/A
In-Network Deductible
$0
In-Network Coinsurance
0%
Primary Care/Specialist Office Visit
$15/$45
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

2024 Q2

Employee Rate
$648.73
Employee and Child(ren) Rate
$1,102.84
Employee and Spouse Rate
$1,297.46
Family Rate
$1,848.88
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 +

Standard Healthy NY Gold3

2024 Q2

Employee Rate
$587.95
Employee and Child(ren) Rate
$999.52
Employee and Spouse Rate
$1,175.90
Family Rate
$1,675.66
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

2024 Q2

Employee Rate
$682.97
Employee and Child(ren) Rate
$1,161.05
Employee and Spouse Rate
$1,365.94
Family Rate
$1,946.46
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

2024 Q2

Employee Rate
$694.26
Employee and Child(ren) Rate
$1,180.24
Employee and Spouse Rate
$1,388.52
Family Rate
$1,978.64
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

2024 Q2

Employee Rate
$700.12
Employee and Child(ren) Rate
$1,190.20
Employee and Spouse Rate
$1,400.24
Family Rate
$1,995.34
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

2024 Q2

Employee Rate
$658.65
Employee and Child(ren) Rate
$1,119.71
Employee and Spouse Rate
$1,317.30
Family Rate
$1,877.15
First Dollar Coverage
N/A
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 $750
Emergency Room Services
Deductible then $150
Pharmacy1
Deductible then $10/$40/50%

Show Benefits +

Passport Plan National Gold HSAQ
HealthEquity

2024 Q2

Employee Rate
$862.83
Employee and Child(ren) Rate
$1,466.81
Employee and Spouse Rate
$1,725.66
Family Rate
$2,459.07
First Dollar Coverage
N/A
In-Network Deductible
$1,600/$3,200 (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 HSAQ4
HealthEquity

2024 Q2

Employee Rate
$650.87
Employee and Child(ren) Rate
$1,106.48
Employee and Spouse Rate
$1,301.74
Family Rate
$1,854.98
First Dollar Coverage
N/A
In-Network Deductible
$1,600/$3,200 (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

2024 Q2

Employee Rate
$561.09
Employee and Child(ren) Rate
$953.85
Employee and Spouse Rate
$1,122.18
Family Rate
$1,599.11
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 +

iDirect Silver Copay

2024 Q2

Employee Rate
$603.67
Employee and Child(ren) Rate
$1,026.24
Employee and Spouse Rate
$1,207.34
Family Rate
$1,720.46
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 Option 2

2024 Q2 New

Employee Rate
$611.01
Employee and Child(ren) Rate
$1,038.72
Employee and Spouse Rate
$1,222.02
Family Rate
$1,741.38
First Dollar Coverage
N/A
In-Network Deductible
$2,100/$4,200 (E)
In-Network Coinsurance
0%
Primary Care/Specialist Office Visit
Deductible then $305/Deductible then $655
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 +

iDirect Silver Copay HSAQ
HealthEquity

2024 Q2

Employee Rate
$592.65
Employee and Child(ren) Rate
$1,007.51
Employee and Spouse Rate
$1,185.30
Family Rate
$1,689.05
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

2024 Q2

Employee Rate
$549.16
Employee and Child(ren) Rate
$933.57
Employee and Spouse Rate
$1,098.32
Family Rate
$1,565.11
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 $15/20%/50%

Show Benefits +

Choice Plus Silver HSAQ2
HealthEquity

2024 Q2

Employee Rate
$547.83
Employee and Child(ren) Rate
$931.31
Employee and Spouse Rate
$1,095.66
Family Rate
$1,561.32
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

2024 Q2

Employee Rate
$762.07
Employee and Child(ren) Rate
$1,295.52
Employee and Spouse Rate
$1,524.14
Family Rate
$2,171.90
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 $15/20%/50%

Show Benefits +

Passport Plan Local Silver HSAQ4
HealthEquity

2024 Q2

Employee Rate
$575.93
Employee and Child(ren) Rate
$979.08
Employee and Spouse Rate
$1,151.86
Family Rate
$1,641.40
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 $15/20%/50%

Show Benefits +

iDirect Bronze Blended HSAQ
HealthEquity

2024 Q2

Employee Rate
$502.80
Employee and Child(ren) Rate
$854.76
Employee and Spouse Rate
$1,005.60
Family Rate
$1,432.98
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

2024 Q2

Employee Rate
$496.55
Employee and Child(ren) Rate
$844.14
Employee and Spouse Rate
$993.10
Family Rate
$1,415.17
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

2024 Q2

Employee Rate
$502.44
Employee and Child(ren) Rate
$854.15
Employee and Spouse Rate
$1,004.88
Family Rate
$1,431.95
First Dollar Coverage
N/A
In-Network Deductible
$7,500/$15,000 (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

2024 Q2

Employee Rate
$687.66
Employee and Child(ren) Rate
$1,169.02
Employee and Spouse Rate
$1,375.32
Family Rate
$1,959.83
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

2024 Q2

Employee Rate
$521.55
Employee and Child(ren) Rate
$886.64
Employee and Spouse Rate
$1,043.10
Family Rate
$1,486.42
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 +