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Plan Highlights View 2021 Plans Eligibility Have a RedShirt Contact Me

The plans shown below represent our 2021 Individual Market Plans. Download a printable version here.
There may be additional plan options that you qualify for, depending on your individual income and circumstances. Let a RedShirt® help you understand the options you may qualify for.

Show Plans By Metal Tier:

Standard Platinum

2021

Individual Rate
$788.68
Individual and Child(ren) Rate
$1,340.76
Individual and Spouse Rate
$1,577.36
Child Only Rate (covered up to the end of the year in with the child turns 21)
$324.94
Family Rate
$2,247.74
In-Network Deductible
$0
In-Network Coinsurance
0%
Primary Care/Specialist Office Visit
$15/$35
Telemedicine - General Medical Services
(participating Teladoc® providers only)
For Mental Health and Dermatology telemedicine refer to the plan's benefit summary
$15
Inpatient Hospital Services
(per admission)
$500
Emergency Room Services
$100
Pharmacy3
$10/$30/$60

Show Benefits +
FlexFit Platinum

2021

Individual Rate
$730.97
Individual and Child(ren) Rate
$1,242.65
Individual and Spouse Rate
$1,461.94
Child Only Rate (covered up to the end of the year in with the child turns 21)
N/A
Family Rate
$2,083.26
In-Network Deductible
$0
In-Network Coinsurance
0%
Primary Care/Specialist Office Visit
$10/$40
Telemedicine - General Medical Services
(participating Teladoc® 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
Pharmacy3
$5/$30/50%

Show Benefits +
Choice Plus Platinum2

2021

Individual Rate
$689.77
Individual and Child(ren) Rate
$1,172.61
Individual and Spouse Rate
$1,379.54
Child Only Rate (covered up to the end of the year in with the child turns 21)
N/A
Family Rate
$1,965.84
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 Teladoc® 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
Pharmacy3
$5/$30/50%

Show Benefits +
Standard Gold

2021

Individual Rate
$650.93
Individual and Child(ren) Rate
$1,106.58
Individual and Spouse Rate
$1,301.86
Child Only Rate (covered up to the end of the year in with the child turns 21)
$268.18
Family Rate
$1,855.15
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 Services
(participating Teladoc® 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
Pharmacy3
$10/$35/$70

Show Benefits +
iDirect Gold Copay

2021

Individual Rate
$623.27
Individual and Child(ren) Rate
$1,059.56
Individual and Spouse Rate
$1,246.54
Child Only Rate (covered up to the end of the year in with the child turns 21)
N/A
Family Rate
$1,776.32
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 Teladoc® 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
Pharmacy3
$10/$40/50%

Show Benefits +
iDirect Gold Copay HSAQ
HealthEquity

2021 New

Individual Rate
$603.31
Individual and Child(ren) Rate
$1,025.63
Individual and Spouse Rate
$1,206.62
Child Only Rate (covered up to the end of the year in with the child turns 21)
N/A
Family Rate
$1,719.43
In-Network Deductible
$1,400/$2,800 (T)
In-Network Coinsurance
0%
Primary Care/Specialist Office Visit
Deductible then $20/Deductible then $50
Telemedicine - General Medical Services
(participating Teladoc® 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
Pharmacy3
Deductible then $10/$40/50%

Show Benefits +
Max Gold

2021

Individual Rate
$612.62
Individual and Child(ren) Rate
$1,041.45
Individual and Spouse Rate
$1,225.24
Child Only Rate (covered up to the end of the year in with the child turns 21)
N/A
Family Rate
$1,745.97
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 Teladoc® 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
Pharmacy3
$10/Deductible then $40/Deductible then 50%

Show Benefits +
Standard Silver

2021

Individual Rate
$540.19
Individual and Child(ren) Rate
$918.32
Individual and Spouse Rate
$1,080.38
Child Only Rate (covered up to the end of the year in with the child turns 21)
$222.56
Family Rate
$1,539.54
In-Network Deductible
$1,300/$2,600 (E)
In-Network Coinsurance
0%
Primary Care/Specialist Office Visit
Deductible then $30/Deductible then $50
Telemedicine - General Medical Services
(participating Teladoc® 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
Pharmacy3
$10/$35/$70

Show Benefits +
iDirect Silver Copay HSAQ
HealthEquity

2021

Individual Rate
$498.27
Individual and Child(ren) Rate
$847.06
Individual and Spouse Rate
$996.54
Child Only Rate (covered up to the end of the year in with the child turns 21)
N/A
Family Rate
$1,420.07
In-Network Deductible
$2,250/$4,500 (T)
In-Network Coinsurance
0%
Primary Care/Specialist Office Visit
Deductible then $35/Deductible then $60
Telemedicine - General Medical Services
(participating Teladoc® 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
Pharmacy3
Deductible then $15/$50/50%

Show Benefits +
Max Silver

2021

Individual Rate
$500.67
Individual and Child(ren) Rate
$851.14
Individual and Spouse Rate
$1,001.34
Child Only Rate (covered up to the end of the year in with the child turns 21)
N/A
Family Rate
$1,426.91
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 Teladoc® 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
Pharmacy3
$15/Deductible then $50/Deductible then 50%

Show Benefits +
Choice Plus Silver HSAQ2
HealthEquity

2021

Individual Rate
$472.45
Individual and Child(ren) Rate
$803.17
Individual and Spouse Rate
$944.90
Child Only Rate (covered up to the end of the year in with the child turns 21)
N/A
Family Rate
$1,346.48
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 Teladoc® 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
Pharmacy3
Deductible then $15/$50/50%

Show Benefits +
Standard Bronze HSAQ
HealthEquity

2021

Individual Rate
$409.63
Individual and Child(ren) Rate
$696.37
Individual and Spouse Rate
$819.26
Child Only Rate (covered up to the end of the year in with the child turns 21)
$168.77
Family Rate
$1,167.45
In-Network Deductible
$6,100/$12,200 (E)
In-Network Coinsurance
Deductible then 50%
Primary Care/Specialist Office Visit
Deductible then 50%
Telemedicine - General Medical Services
(participating Teladoc® 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%
Pharmacy3
Deductible then $10/$35/$70

Show Benefits +
iDirect Bronze MV

2021 New

Individual Rate
$363.65
Individual and Child(ren) Rate
$618.21
Individual and Spouse Rate
$727.30
Child Only Rate (covered up to the end of the year in with the child turns 21)
N/A
Family Rate
$1,036.40
In-Network Deductible
$8,550/$17,100 (E)
In-Network Coinsurance
Deductible then 50%
Primary Care/Specialist Office Visit
Deductible then $0
Telemedicine - General Medical Services
(participating Teladoc® 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
Pharmacy3
Deductible then $0

Show Benefits +
iDirect Bronze Coinsurance HSAQ
HealthEquity

2021

Individual Rate
$385.52
Individual and Child(ren) Rate
$655.38
Individual and Spouse Rate
$771.04
Child Only Rate (covered up to the end of the year in with the child turns 21)
N/A
Family Rate
$1,098.73
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 Teladoc® 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%
Pharmacy3
Deductible then 50%

Show Benefits +
Standard Catastrophic1

2021

Individual Rate
$256.66
Individual and Child(ren) Rate
$436.32
Individual and Spouse Rate
$513.32
Child Only Rate (covered up to the end of the year in with the child turns 21)
N/A
Family Rate
$731.48
In-Network Deductible
$8,550/$17,100 (E)
In-Network Coinsurance
0%
Primary Care/Specialist Office Visit
Deductible then $0 after 3 visits for Primary Care Allowance/Deductible then $0
Telemedicine - General Medical Services
(participating Teladoc® 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
Pharmacy3
Deductible then $0

Show Benefits +
OON coverage only applies to non-participating providers outside the 8 counties of WNY.
1Subscriber must be under the age of 30 at the beginning of the plan year or meet federal eligibility requirements.
2Offered in Erie and Niagara counties only and not available through NY State of Health, The Official Health Plan Marketplace. Available only when purchased directly through Independent Health.
3All pharmacy copays/coinsurance accumulate to out-of-pocket maximums.
(E) = Embedded Deductible
(T) = True Family (Non Embedded) Deductible


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