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 Q4 Small Group plans. Download a printable version here.
To view our 2026 Q3 plans and rates, click here.
| FlexFit Platinum |
|---|
2026 Q4 |
| Employee Rate $1,153.15 |
| Employee and Child(ren) Rate $1,960.36 |
| Employee and Spouse Rate $2,306.30 |
| Family Rate $3,286.48 |
| 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% |
Show Benefits + |
| iDirect Platinum Coinsurance |
|---|
2026 Q4 New |
| Employee Rate $1,086.75 |
| Employee and Child(ren) Rate $1,847.48 |
| Employee and Spouse Rate $2,173.50 |
| Family Rate $3,097.24 |
| 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% |
Show Benefits + |
| Passport Plan Local Platinum3 |
|---|
2026 Q4 New |
| Employee Rate $1,184.57 |
| Employee and Child(ren) Rate $2,013.77 |
| Employee and Spouse Rate $2,369.14 |
| Family Rate $3,376.02 |
| 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% |
Show Benefits + |
| Activate Gold |
|---|
2026 Q4 |
| Employee Rate $937.67 |
| Employee and Child(ren) Rate $1,594.04 |
| Employee and Spouse Rate $1,875.34 |
| Family Rate $2,672.36 |
| 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 |
Show Benefits + |
| FlexFit Gold |
|---|
2026 Q4 New |
| Employee Rate $1,019.51 |
| Employee and Child(ren) Rate $1,733.17 |
| Employee and Spouse Rate $2,039.02 |
| Family Rate $2,905.60 |
| 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% |
Show Benefits + |
| iDirect Gold Copay |
|---|
2026 Q4 |
| Employee Rate $1,008.79 |
| Employee and Child(ren) Rate $1,714.94 |
| Employee and Spouse Rate $2,017.58 |
| Family Rate $2,875.05 |
| 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 Q4 |
| Employee Rate $996.43 |
| Employee and Child(ren) Rate $1,693.93 |
| Employee and Spouse Rate $1,992.86 |
| Family Rate $2,839.83 |
| 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 Q4 |
| Employee Rate $956.38 |
| Employee and Child(ren) Rate $1,625.85 |
| Employee and Spouse Rate $1,912.76 |
| Family Rate $2,725.68 |
| 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 Q4 New |
| Employee Rate $936.81 |
| Employee and Child(ren) Rate $1,592.58 |
| Employee and Spouse Rate $1,873.62 |
| Family Rate $2,669.91 |
| 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 Q4 New |
| Employee Rate $913.77 |
| Employee and Child(ren) Rate $1,553.41 |
| Employee and Spouse Rate $1,827.54 |
| Family Rate $2,604.24 |
| 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 Q4 |
| Employee Rate $1,164.95 |
| Employee and Child(ren) Rate $1,980.42 |
| Employee and Spouse Rate $2,329.90 |
| Family Rate $3,320.11 |
| 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 Q4 |
| Employee Rate $998.40 |
| Employee and Child(ren) Rate $1,697.28 |
| Employee and Spouse Rate $1,996.80 |
| Family Rate $2,845.44 |
| 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 Q4 |
| Employee Rate $821.86 |
| Employee and Child(ren) Rate $1,397.16 |
| Employee and Spouse Rate $1,643.72 |
| Family Rate $2,342.30 |
| 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 Q4 |
| Employee Rate $873.67 |
| Employee and Child(ren) Rate $1,485.24 |
| Employee and Spouse Rate $1,747.34 |
| Family Rate $2,489.96 |
| 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 Q4 |
| Employee Rate $899.64 |
| Employee and Child(ren) Rate $1,529.39 |
| Employee and Spouse Rate $1,799.28 |
| Family Rate $2,563.97 |
| 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 Q4 |
| Employee Rate $871.54 |
| Employee and Child(ren) Rate $1,481.62 |
| Employee and Spouse Rate $1,743.08 |
| Family Rate $2,483.89 |
| 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 Q4 New |
| Employee Rate $795.42 |
| Employee and Child(ren) Rate $1,352.21 |
| Employee and Spouse Rate $1,590.84 |
| Family Rate $2,266.95 |
| 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 Q4 |
| Employee Rate $814.66 |
| Employee and Child(ren) Rate $1,384.92 |
| Employee and Spouse Rate $1,629.32 |
| Family Rate $2,321.78 |
| 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 Q4 |
| Employee Rate $1,036.85 |
| Employee and Child(ren) Rate $1,762.65 |
| Employee and Spouse Rate $2,073.70 |
| Family Rate $2,955.02 |
| 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 Q4 New |
| Employee Rate $890.28 |
| Employee and Child(ren) Rate $1,513.48 |
| Employee and Spouse Rate $1,780.56 |
| Family Rate $2,537.30 |
| 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 Q4 |
| Employee Rate $738.85 |
| Employee and Child(ren) Rate $1,256.05 |
| Employee and Spouse Rate $1,477.70 |
| Family Rate $2,105.72 |
| 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 Q4 |
| Employee Rate $725.38 |
| Employee and Child(ren) Rate $1,233.15 |
| Employee and Spouse Rate $1,450.76 |
| Family Rate $2,067.33 |
| 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 Q4 New |
| Employee Rate $695.91 |
| Employee and Child(ren) Rate $1,183.05 |
| Employee and Spouse Rate $1,391.82 |
| Family Rate $1,983.34 |
| 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 Q4 |
| Employee Rate $940.89 |
| Employee and Child(ren) Rate $1,599.51 |
| Employee and Spouse Rate $1,881.78 |
| Family Rate $2,681.54 |
| 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 Q4 |
| Employee Rate $807.92 |
| Employee and Child(ren) Rate $1,373.46 |
| Employee and Spouse Rate $1,615.84 |
| Family Rate $2,302.57 |
| 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 Q4 |
| Employee Rate $851.41 |
| Employee and Child(ren) Rate $1,447.40 |
| Employee and Spouse Rate $1,702.82 |
| Family Rate $2,426.52 |
| 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 + |
