You Deserve the RedShirt Treatment.®
You Deserve the RedShirt Treatment.®
One of the top-rated 2026 Commercial Health Plans in the nation, 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 Association, Inc. was rated 5 out of 5 in NCQA's Commercial Health Plan Ratings from 2023 – 2026.
The plans shown below represent our 2027 Q1 Small Group plans. Download a printable version here.
To view our 2026 Q4 plans and rates, click here.
| FlexFit Platinum |
|---|
2027 Q1 |
| Employee Rate $1,142.64 |
| Employee and Child(ren) Rate $1,942.49 |
| Employee and Spouse Rate $2,285.28 |
| Family Rate $3,256.52 |
| First Dollar Coverage N/A |
| In-Network Deductible $0 |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit 3 PCP visits at $0, then $10/$40 |
| Telemedicine - General Medical, Behavioral Health Services, and Dermatology Services (participating Teladoc® providers only) $0 |
| Inpatient Hospital Services (per admission) $750 |
| Emergency Room Services $250 |
| Pharmacy1 $10/$50/50% |
Show Benefits + |
| iDirect Platinum Coinsurance |
|---|
2027 Q1 |
| Employee Rate $1,095.62 |
| Employee and Child(ren) Rate $1,862.55 |
| Employee and Spouse Rate $2,191.24 |
| Family Rate $3,122.52 |
| First Dollar Coverage N/A |
| In-Network Deductible $125/$250 (T) |
| In-Network Coinsurance 20% |
| Primary Care/Specialist Office Visit 3 PCP visits at $0, then deductible then 20%/Deductible then 20% |
| Telemedicine - General Medical, Behavioral Health Services, and Dermatology Services (participating Teladoc® providers only) $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 |
|---|
2027 Q1 |
| Employee Rate $1,186.02 |
| Employee and Child(ren) Rate $2,016.23 |
| Employee and Spouse Rate $2,372.04 |
| Family Rate $3,380.16 |
| 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, Behavioral Health Services, and Dermatology Services (participating Teladoc® providers only) $0 |
| Inpatient Hospital Services (per admission) Deductible then 20% |
| Emergency Room Services Deductible then 20% |
| Pharmacy1 $5/$50/50% |
Show Benefits + |
| Activate Gold |
|---|
2027 Q1 |
| Employee Rate $943.00 |
| Employee and Child(ren) Rate $1,603.10 |
| Employee and Spouse Rate $1,886.00 |
| Family Rate $2,687.55 |
| First Dollar Coverage $750/$1,500 |
| In-Network Deductible $1,700/$3,400 (E) |
| In-Network Coinsurance 25% |
| Primary Care/Specialist Office Visit $20 Copayment after first dollar and deductible/$50 Copayment after first dollar and deductible |
| Telemedicine - General Medical, Behavioral Health Services, and Dermatology Services (participating Teladoc® providers only) $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 |
|---|
2027 Q1 |
| Employee Rate $1,038.92 |
| Employee and Child(ren) Rate $1,766.16 |
| Employee and Spouse Rate $2,077.84 |
| Family Rate $2,960.92 |
| First Dollar Coverage N/A |
| In-Network Deductible $0 |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit 3 PCP visits at $0, then $40/$75 |
| Telemedicine - General Medical, Behavioral Health Services, and Dermatology Services (participating Teladoc® providers only) $0 |
| Inpatient Hospital Services (per admission) $3,000 |
| Emergency Room Services $300 |
| Pharmacy1 $10/$75/50% |
Show Benefits + |
| iDirect Gold Copay |
|---|
2027 Q1 |
| Employee Rate $988.72 |
| Employee and Child(ren) Rate $1,680.82 |
| Employee and Spouse Rate $1,977.44 |
| Family Rate $2,817.85 |
| First Dollar Coverage N/A |
| In-Network Deductible $1,700/$3,400 (T) |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit 3 PCP visits at $0, then $20/Deductible then $50 |
| Telemedicine - General Medical, Behavioral Health Services, and Dermatology Services (participating Teladoc® providers only) $0 |
| Inpatient Hospital Services (per admission) Deductible then $1,000 |
| Emergency Room Services Deductible then $200 |
| Pharmacy1 $10/$75/50% |
Show Benefits + |
| iDirect Gold Copay Option 3 |
|---|
2027 Q1 |
| Employee Rate $1,000.62 |
| Employee and Child(ren) Rate $1,701.05 |
| Employee and Spouse Rate $2,001.24 |
| Family Rate $2,851.77 |
| First Dollar Coverage N/A |
| In-Network Deductible $1,050/$2,100 (T) |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit 3 PCP visits at $0, then deductible then $25/Deductible then $40 |
| Telemedicine - General Medical, Behavioral Health Services, and Dermatology Services (participating Teladoc® providers only) $0 |
| Inpatient Hospital Services (per admission) Deductible then $1,500 |
| Emergency Room Services Deductible then $250 |
| Pharmacy1 $10/$50/50% |
Show Benefits + |
iDirect Gold Copay HSAQ  |
|---|
2027 Q1 |
| Employee Rate $961.63 |
| Employee and Child(ren) Rate $1,634.77 |
| Employee and Spouse Rate $1,923.26 |
| Family Rate $2,740.65 |
| First Dollar Coverage N/A |
| In-Network Deductible $1,750/$3,500 (T) |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit Deductible then $20/Deductible then $50 |
| Telemedicine - General Medical, Behavioral Health Services, and Dermatology Services (participating Teladoc® providers only) $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 |
|---|
2027 Q1 |
| Employee Rate $938.52 |
| Employee and Child(ren) Rate $1,595.48 |
| Employee and Spouse Rate $1,877.04 |
| Family Rate $2,674.78 |
| First Dollar Coverage N/A |
| In-Network Deductible $2,250/$4,500 (T) |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit Deductible then $20/Deductible then $50 |
| Telemedicine - General Medical, Behavioral Health Services, and Dermatology Services (participating Teladoc® providers only) $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 |
|---|
2027 Q1 |
| Employee Rate $919.20 |
| Employee and Child(ren) Rate $1,562.64 |
| Employee and Spouse Rate $1,838.40 |
| Family Rate $2,619.72 |
| First Dollar Coverage N/A |
| In-Network Deductible $1,750/$3,500 (T) |
| In-Network Coinsurance 20% |
| Primary Care/Specialist Office Visit Deductible then 20% |
| Telemedicine - General Medical, Behavioral Health Services, and Dermatology Services (participating Teladoc® providers only) $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 |
|---|
2027 Q1 |
| Employee Rate $1,255.51 |
| Employee and Child(ren) Rate $2,134.37 |
| Employee and Spouse Rate $2,511.02 |
| Family Rate $3,578.20 |
| First Dollar Coverage N/A |
| In-Network Deductible $1,750/$3,500 (T) |
| In-Network Coinsurance 20% |
| Primary Care/Specialist Office Visit Deductible then 20% |
| Telemedicine - General Medical, Behavioral Health Services, and Dermatology Services (participating Teladoc® providers only) $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 |
|---|
2027 Q1 |
| Employee Rate $1,002.67 |
| Employee and Child(ren) Rate $1,704.54 |
| Employee and Spouse Rate $2,005.34 |
| Family Rate $2,857.61 |
| First Dollar Coverage N/A |
| In-Network Deductible $1,750/$3,500 (T) |
| In-Network Coinsurance 20% |
| Primary Care/Specialist Office Visit Deductible then 20% |
| Telemedicine - General Medical, Behavioral Health Services, and Dermatology Services (participating Teladoc® providers only) $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 |
|---|
2027 Q1 |
| Employee Rate $813.55 |
| Employee and Child(ren) Rate $1,383.04 |
| Employee and Spouse Rate $1,627.10 |
| Family Rate $2,318.62 |
| First Dollar Coverage $500/$1,000 |
| In-Network Deductible $3,500/$7,000 (E) |
| In-Network Coinsurance 40% |
| Primary Care/Specialist Office Visit $35 Copayment after first dollar and deductible/$65 Copayment after first dollar and deductible |
| Telemedicine - General Medical, Behavioral Health Services, and Dermatology Services (participating Teladoc® providers only) $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 |
|---|
2027 Q1 |
| Employee Rate $850.33 |
| Employee and Child(ren) Rate $1,445.56 |
| Employee and Spouse Rate $1,700.66 |
| Family Rate $2,423.44 |
| First Dollar Coverage N/A |
| In-Network Deductible $4,000/$8,000 (T) |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit 3 PCP visits at $0, then deductible then $35/Deductible then $65 |
| Telemedicine - General Medical, Behavioral Health Services, and Dermatology Services (participating Teladoc® providers only) $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 |
|---|
2027 Q1 |
| Employee Rate $873.54 |
| Employee and Child(ren) Rate $1,485.02 |
| Employee and Spouse Rate $1,747.08 |
| Family Rate $2,489.59 |
| First Dollar Coverage N/A |
| In-Network Deductible $3,500/$7,000 (E) |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit 3 PCP visits at $0, then deductible then $30/Deductible then $65 |
| Telemedicine - General Medical, Behavioral Health Services, and Dermatology Services (participating Teladoc® providers only) $0 |
| Inpatient Hospital Services (per admission) Deductible then $1,500 |
| Emergency Room Services Deductible then $500 |
| Pharmacy1 $15/$75/50% |
Show Benefits + |
|
iDirect Silver Copay HSAQ |
|---|
2027 Q1 |
| Employee Rate $854.68 |
| Employee and Child(ren) Rate $1,452.96 |
| Employee and Spouse Rate $1,709.36 |
| Family Rate $2,435.84 |
| First Dollar Coverage N/A |
| In-Network Deductible $3,000/$6,000 (T) |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit Deductible then $35/Deductible then $65 |
| Telemedicine - General Medical, Behavioral Health Services, and Dermatology Services (participating Teladoc® providers only) $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 |
|---|
2027 Q1 |
| Employee Rate $823.29 |
| Employee and Child(ren) Rate $1,399.59 |
| Employee and Spouse Rate $1,646.58 |
| Family Rate $2,346.38 |
| 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, Behavioral Health Services, and Dermatology Services (participating Teladoc® providers only) $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 |
|---|
2027 Q1 |
| Employee Rate $816.07 |
| Employee and Child(ren) Rate $1,387.32 |
| Employee and Spouse Rate $1,632.14 |
| Family Rate $2,325.80 |
| First Dollar Coverage N/A |
| In-Network Deductible $3,600/$7,200 (T) |
| In-Network Coinsurance 25% |
| Primary Care/Specialist Office Visit Deductible then 25% |
| Telemedicine - General Medical, Behavioral Health Services, and Dermatology Services (participating Teladoc® providers only) $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 |
|---|
2027 Q1 |
| Employee Rate $1,111.26 |
| Employee and Child(ren) Rate $1,889.14 |
| Employee and Spouse Rate $2,222.52 |
| Family Rate $3,167.09 |
| First Dollar Coverage N/A |
| In-Network Deductible $3,600/$7,200 (T) |
| In-Network Coinsurance 25% |
| Primary Care/Specialist Office Visit Deductible then 25% |
| Telemedicine - General Medical, Behavioral Health Services, and Dermatology Services (participating Teladoc® providers only) $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 |
|---|
2027 Q1 |
| Employee Rate $889.68 |
| Employee and Child(ren) Rate $1,512.46 |
| Employee and Spouse Rate $1,779.36 |
| Family Rate $2,535.59 |
| First Dollar Coverage N/A |
| In-Network Deductible $3,600/$7,200 (T) |
| In-Network Coinsurance 25% |
| Primary Care/Specialist Office Visit Deductible then 25% |
| Telemedicine - General Medical, Behavioral Health Services, and Dermatology Services (participating Teladoc® providers only) $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 |
|---|
2027 Q1 |
| Employee Rate $737.27 |
| Employee and Child(ren) Rate $1,253.36 |
| Employee and Spouse Rate $1,474.54 |
| Family Rate $2,101.22 |
| First Dollar Coverage N/A |
| In-Network Deductible $6,250/$12,500 (E) |
| In-Network Coinsurance 50% |
| Primary Care/Specialist Office Visit Deductible then 50% |
| Telemedicine - General Medical, Behavioral Health Services, and Dermatology Services (participating Teladoc® providers only) $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 |
|---|
2027 Q1 |
| Employee Rate $731.63 |
| Employee and Child(ren) Rate $1,243.77 |
| Employee and Spouse Rate $1,463.26 |
| Family Rate $2,085.15 |
| First Dollar Coverage N/A |
| In-Network Deductible $8,700/$17,400 (E) |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit Deductible then $0 |
| Telemedicine - General Medical, Behavioral Health Services, and Dermatology Services (participating Teladoc® providers only) $0 |
| Inpatient Hospital Services (per admission) Deductible then $0 |
| Emergency Room Services Deductible then $0 |
| Pharmacy1 Deductible then $0 |
Show Benefits + |
| iDirect Bronze MV |
|---|
2027 Q1 |
| Employee Rate $694.53 |
| Employee and Child(ren) Rate $1,180.70 |
| Employee and Spouse Rate $1,389.06 |
| Family Rate $1,979.41 |
| First Dollar Coverage N/A |
| In-Network Deductible $11,750/$23,500 (E) |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit 3 PCP visits at $0, then dedutible then $0/Deductible then $0 |
| Telemedicine - General Medical, Behavioral Health Services, and Dermatology Services (participating Teladoc® providers only) $0 |
| Inpatient Hospital Services (per admission) Deductible then $0 |
| Emergency Room Services Deductible then $0 |
| Pharmacy1 Deductible then $0 |
Show Benefits + |
| iDirect Bronze Option 2 |
|---|
2027 Q1 New |
| Employee Rate $733.17 |
| Employee and Child(ren) Rate $1,246.39 |
| Employee and Spouse Rate $1,466.34 |
| Family Rate $2,089.53 |
| First Dollar Coverage N/A |
| In-Network Deductible $10,500/$21,000 (E) |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit 3 PCP visits at $0, then $30/Deductible then $0 |
| Telemedicine - General Medical, Behavioral Health Services, and Dermatology Services (participating Teladoc® providers only) $0 |
| Inpatient Hospital Services (per admission) Deductible then $0 |
| Emergency Room Services Deductible then $0 |
| Pharmacy1 $10/Deductible then $0/Deductible then $0 |
Show Benefits + |
|
Passport Plan National Bronze HSAQ |
|---|
2027 Q1 |
| Employee Rate $1,005.82 |
| Employee and Child(ren) Rate $1,709.89 |
| Employee and Spouse Rate $2,011.64 |
| Family Rate $2,866.59 |
| First Dollar Coverage N/A |
| In-Network Deductible $6,250/$12,500 (E) |
| In-Network Coinsurance 50% |
| Primary Care/Specialist Office Visit Deductible then 50% |
| Telemedicine - General Medical, Behavioral Health Services, and Dermatology Services (participating Teladoc® providers only) $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 |
|---|
2027 Q1 |
| Employee Rate $805.01 |
| Employee and Child(ren) Rate $1,368.52 |
| Employee and Spouse Rate $1,610.02 |
| Family Rate $2,294.28 |
| First Dollar Coverage N/A |
| In-Network Deductible $6,250/$12,500 (E) |
| In-Network Coinsurance 50% |
| Primary Care/Specialist Office Visit Deductible then 50% |
| Telemedicine - General Medical, Behavioral Health Services, and Dermatology Services (participating Teladoc® providers only) $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 |
|---|
2027 Q1 |
| Employee Rate $829.70 |
| Employee and Child(ren) Rate $1,410.49 |
| Employee and Spouse Rate $1,659.40 |
| Family Rate $2,364.65 |
| First Dollar Coverage N/A |
| In-Network Deductible $1,200/$2,400 (E) |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit Deductible then $25/Deductible then $40 |
| Telemedicine - General Medical, Behavioral Health Services, and Dermatology Services (participating Teladoc® providers only) $0 |
| Inpatient Hospital Services (per admission) Deductible then $1,000 |
| Emergency Room Services Deductible then $150 |
| Pharmacy1 $10/$35/$70 |
Show Benefits + |