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 Q1 Small Group plans. Download a printable version here.

To view our 2023 Q4 plans and rates, click here.

Show Plans By Metal Tier:

FlexFit Platinum

2024 Q1

Employee Rate
$782.37
Employee and Child(ren) Rate
$1,330.03
Employee and Spouse Rate
$1,564.74
Family Rate
$2,229.75
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%

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FlexFit Platinum Option 2

2024 Q1

Employee Rate
$801.44
Employee and Child(ren) Rate
$1,362.45
Employee and Spouse Rate
$1,602.88
Family Rate
$2,284.10
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

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Choice Plus Platinum2

2024 Q1

Employee Rate
$720.21
Employee and Child(ren) Rate
$1,224.36
Employee and Spouse Rate
$1,440.42
Family Rate
$2,052.60
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%

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Passport Plan National Platinum

2024 Q1

Employee Rate
$1,093.30
Employee and Child(ren) Rate
$1,858.61
Employee and Spouse Rate
$2,186.60
Family Rate
$3,115.91
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%

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Passport Plan Local Platinum4

2024 Q1

Employee Rate
$813.67
Employee and Child(ren) Rate
$1,383.24
Employee and Spouse Rate
$1,627.34
Family Rate
$2,318.96
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%

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Activate Gold

2024 Q1

Employee Rate
$636.94
Employee and Child(ren) Rate
$1,082.80
Employee and Spouse Rate
$1,273.88
Family Rate
$1,815.28
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

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Standard Healthy NY Gold3

2024 Q1

Employee Rate
$577.26
Employee and Child(ren) Rate
$981.34
Employee and Spouse Rate
$1,154.52
Family Rate
$1,645.19
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 $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/$35/$70

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iDirect Gold Copay

2024 Q1

Employee Rate
$670.55
Employee and Child(ren) Rate
$1,139.94
Employee and Spouse Rate
$1,341.10
Family Rate
$1,911.07
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%

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iDirect Gold Copay Option 2

2024 Q1

Employee Rate
$681.64
Employee and Child(ren) Rate
$1,158.79
Employee and Spouse Rate
$1,363.28
Family Rate
$1,942.67
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

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iDirect Gold Copay Option 3

2024 Q1

Employee Rate
$687.39
Employee and Child(ren) Rate
$1,168.56
Employee and Spouse Rate
$1,374.78
Family Rate
$1,959.06
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%

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iDirect Gold Copay HSAQ
HealthEquity

2024 Q1

Employee Rate
$646.67
Employee and Child(ren) Rate
$1,099.34
Employee and Spouse Rate
$1,293.34
Family Rate
$1,843.01
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%

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Passport Plan National Gold HSAQ
HealthEquity

2024 Q1

Employee Rate
$847.14
Employee and Child(ren) Rate
$1,440.14
Employee and Spouse Rate
$1,694.28
Family Rate
$2,414.35
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%

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Passport Plan Local Gold HSAQ4
HealthEquity

2024 Q1

Employee Rate
$639.03
Employee and Child(ren) Rate
$1,086.35
Employee and Spouse Rate
$1,278.06
Family Rate
$1,821.24
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 Q1

Employee Rate
$550.89
Employee and Child(ren) Rate
$936.51
Employee and Spouse Rate
$1,101.78
Family Rate
$1,570.04
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

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iDirect Silver Copay

2024 Q1

Employee Rate
$592.69
Employee and Child(ren) Rate
$1,007.57
Employee and Spouse Rate
$1,185.38
Family Rate
$1,689.17
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%

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iDirect Silver Copay Option 2

2024 Q1 New

Employee Rate
$599.89
Employee and Child(ren) Rate
$1,019.81
Employee and Spouse Rate
$1,199.78
Family Rate
$1,709.69
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/$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

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iDirect Silver Copay HSAQ
HealthEquity

2024 Q1

Employee Rate
$581.88
Employee and Child(ren) Rate
$989.20
Employee and Spouse Rate
$1,163.76
Family Rate
$1,658.36
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 Q1

Employee Rate
$539.18
Employee and Child(ren) Rate
$916.61
Employee and Spouse Rate
$1,078.36
Family Rate
$1,536.66
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 Q1

Employee Rate
$537.87
Employee and Child(ren) Rate
$914.38
Employee and Spouse Rate
$1,075.74
Family Rate
$1,532.93
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 Q1

Employee Rate
$748.21
Employee and Child(ren) Rate
$1,271.96
Employee and Spouse Rate
$1,496.42
Family Rate
$2,132.40
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 +

Passport Plan Local Silver HSAQ4
HealthEquity

2024 Q1

Employee Rate
$565.46
Employee and Child(ren) Rate
$961.28
Employee and Spouse Rate
$1,130.92
Family Rate
$1,611.56
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 Q1

Employee Rate
$493.66
Employee and Child(ren) Rate
$839.22
Employee and Spouse Rate
$987.32
Family Rate
$1,406.93
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 Q1

Employee Rate
$487.52
Employee and Child(ren) Rate
$828.78
Employee and Spouse Rate
$975.04
Family Rate
$1,389.43
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 Q1

Employee Rate
$493.30
Employee and Child(ren) Rate
$838.61
Employee and Spouse Rate
$986.60
Family Rate
$1,405.91
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 Q1

Employee Rate
$675.15
Employee and Child(ren) Rate
$1,147.76
Employee and Spouse Rate
$1,350.30
Family Rate
$1,924.18
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 Q1

Employee Rate
$512.07
Employee and Child(ren) Rate
$870.52
Employee and Spouse Rate
$1,024.14
Family Rate
$1,459.40
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 +