Shopping for health insurance
on your own?

If you need to find health insurance on your own, we are here to help.

Helping our members through difficult times has always been an important part of the RedShirt® Treatment. What's happening now with the COVID-19 pandemic is no exception.

An Independent Health RedShirt® can help you understand your options.
(716) 505-8515 or 1-855-210-9930 (TTY: 711)
Monday - Friday from 8 a.m. - 5 p.m.

Like always, we'll be here when you need us, even just to listen.

Plan Highlights View 2020 Plans Eligibility Have a RedShirt Contact Me

The plans shown below represent our 2020 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

2020

Individual Rate
$838.73
Individual and Child(ren) Rate
$1,425.84
Individual and Spouse Rate
$1,677.46
Child Only Rate (covered up to the end of the year in with the child turns 21)
$345.56
Family Rate
$2,390.38
In-Network Deductible
$0
In-Network Coinsurance
0%
Primary Care/Specialist Office Visit
$15/$35
Telemedicine including Mental Health and Substance Use Disorder
(participating Teladoc® providers only)
$0
Inpatient Hospital Services
(per admission)
$500
Emergency Room Services
$100
Pharmacy3
$10/$30/$60

Show Benefits +
FlexFit Platinum

2020

Individual Rate
$772.77
Individual and Child(ren) Rate
$1,313.71
Individual and Spouse Rate
$1,545.54
Child Only Rate (covered up to the end of the year in with the child turns 21)
N/A
Family Rate
$2,202.39
In-Network Deductible
$0
In-Network Coinsurance
0%
Primary Care/Specialist Office Visit
$10/$40
Telemedicine including Mental Health and Substance Use Disorder
(participating Teladoc® providers only)
$0
Inpatient Hospital Services
(per admission)
$500
Emergency Room Services
$150
Pharmacy3
$5/$30/50%

Show Benefits +
Choice Plus Platinum2

2020

Individual Rate
$735.20
Individual and Child(ren) Rate
$1,249.84
Individual and Spouse Rate
$1,470.40
Child Only Rate (covered up to the end of the year in with the child turns 21)
N/A
Family Rate
$2,095.32
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 including Mental Health and Substance Use Disorder
(participating Teladoc® providers only)
$0
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

2020

Individual Rate
$692.24
Individual and Child(ren) Rate
$1,176.81
Individual and Spouse Rate
$1,384.48
Child Only Rate (covered up to the end of the year in with the child turns 21)
$285.20
Family Rate
$1,972.88
In-Network Deductible
$600/$1,200 (E)
In-Network Coinsurance
0%
Primary Care/Specialist Office Visit
Deductible then $25/Deductible then $40
Telemedicine including Mental Health and Substance Use Disorder
(participating Teladoc® providers only)
$0
Inpatient Hospital Services
(per admission)
Deductible then $1,000
Emergency Room Services
Deductible then $150
Pharmacy3
$10/$35/$70

Show Benefits +
iDirect Gold Copay

2020

Individual Rate
$644.87
Individual and Child(ren) Rate
$1,096.28
Individual and Spouse Rate
$1,289.74
Child Only Rate (covered up to the end of the year in with the child turns 21)
N/A
Family Rate
$1,837.88
In-Network Deductible
$1,250/$2,500 (T)
In-Network Coinsurance
0%
Primary Care/Specialist Office Visit
$20/Deductible then $50
Telemedicine including Mental Health and Substance Use Disorder
(participating Teladoc® providers only)
$0
Inpatient Hospital Services
(per admission)
Deductible then $1,000
Emergency Room Services
$150
Pharmacy3
$10/$40/50%

Show Benefits +
Max Gold

2020 New

Individual Rate
$637.81
Individual and Child(ren) Rate
$1,084.28
Individual and Spouse Rate
$1,275.62
Child Only Rate (covered up to the end of the year in with the child turns 21)
N/A
Family Rate
$1,817.76
In-Network Deductible
$1,500/$3,000 (T)
In-Network Coinsurance
0%
Primary Care/Specialist Office Visit
$20/Deductible then $50
Telemedicine including Mental Health and Substance Use Disorder
(participating Teladoc® providers only)
$0
Inpatient Hospital Services
(per admission)
Deductible then $1,000
Emergency Room Services
$150
Pharmacy3
$10/Deductible then $40/Deductible then 50%

Show Benefits +
Choice Plus Gold2

2020

Individual Rate
$606.81
Individual and Child(ren) Rate
$1,031.58
Individual and Spouse Rate
$1,213.62
Child Only Rate (covered up to the end of the year in with the child turns 21)
N/A
Family Rate
$1,729.41
In-Network Deductible
A: $1,250/$2,500 (T)
B: $2,750/$5,500 (T)
In-Network Coinsurance
A: 0%
B: Deductible then 50%
Primary Care/Specialist Office Visit
A: $20/Deductible then $50
B: Deductible then 50%
Telemedicine including Mental Health and Substance Use Disorder
(participating Teladoc® providers only)
$0
Inpatient Hospital Services
(per admission)
Deductible then
A: $1,000
B: 50%
Emergency Room Services
A: $150
B: $150
Pharmacy3
$10/$40/50%

Show Benefits +
Standard Silver

2020

Individual Rate
$574.46
Individual and Child(ren) Rate
$976.58
Individual and Spouse Rate
$1,148.92
Child Only Rate (covered up to the end of the year in with the child turns 21)
$236.68
Family Rate
$1,637.21
In-Network Deductible
$1,300/$2,600 (E)
In-Network Coinsurance
0%
Primary Care/Specialist Office Visit
Deductible then $30/Deductible then $50
Telemedicine including Mental Health and Substance Use Disorder
(participating Teladoc® providers only)
$0
Inpatient Hospital Services
(per admission)
Deductible then $1,500
Emergency Room Services
Deductible then $250
Pharmacy3
$10/$35/$70

Show Benefits +
iDirect Silver Copay HSAQ

2020

Individual Rate
$527.37
Individual and Child(ren) Rate
$896.53
Individual and Spouse Rate
$1,054.74
Child Only Rate (covered up to the end of the year in with the child turns 21)
N/A
Family Rate
$1,503.00
In-Network Deductible
$2,250/$4,500 (T)
In-Network Coinsurance
0%
Primary Care/Specialist Office Visit
Deductible then $35/Deductible then $60
Telemedicine including Mental Health and Substance Use Disorder
(participating Teladoc® providers only)
Deductible then $0
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

2020

Individual Rate
$529.29
Individual and Child(ren) Rate
$899.79
Individual and Spouse Rate
$1,058.58
Child Only Rate (covered up to the end of the year in with the child turns 21)
N/A
Family Rate
$1,508.48
In-Network Deductible
$2,800/$5,600 (T)
In-Network Coinsurance
0%
Primary Care/Specialist Office Visit
$35/Deductible then $60
Telemedicine including Mental Health and Substance Use Disorder
(participating Teladoc® providers only)
$0
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

2020

Individual Rate
$503.57
Individual and Child(ren) Rate
$856.07
Individual and Spouse Rate
$1,007.14
Child Only Rate (covered up to the end of the year in with the child turns 21)
N/A
Family Rate
$1,435.17
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 including Mental Health and Substance Use Disorder
(participating Teladoc® providers only)
Deductible then $0
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

2020

Individual Rate
$442.35
Individual and Child(ren) Rate
$752.00
Individual and Spouse Rate
$884.70
Child Only Rate (covered up to the end of the year in with the child turns 21)
$182.25
Family Rate
$1,260.70
In-Network Deductible
$4,425/$8,850 (E)
In-Network Coinsurance
Deductible then 50%
Primary Care/Specialist Office Visit
Deductible then 50% after 3 visits for Primary Care Allowance/Deductible then 50%
Telemedicine including Mental Health and Substance Use Disorder
(participating Teladoc® providers only)
$0
Inpatient Hospital Services
(per admission)
Deductible then 50%
Emergency Room Services
Deductible then 50%
Pharmacy3
Deductible then $10/$35/$70

Show Benefits +
iDirect Bronze Coinsurance HSAQ

2020

Individual Rate
$407.56
Individual and Child(ren) Rate
$692.85
Individual and Spouse Rate
$815.12
Child Only Rate (covered up to the end of the year in with the child turns 21)
N/A
Family Rate
$1,161.55
In-Network Deductible
$5,150/$10,300 (E)
In-Network Coinsurance
Deductible then 50%
Primary Care/Specialist Office Visit
Deductible then 50%
Telemedicine including Mental Health and Substance Use Disorder
(participating Teladoc® providers only)
Deductible then $0
Inpatient Hospital Services
(per admission)
Deductible then 50%
Emergency Room Services
Deductible then 50%
Pharmacy3
Deductible then 50%

Show Benefits +
Standard Catastrophic1

2020

Individual Rate
$279.58
Individual and Child(ren) Rate
$475.29
Individual and Spouse Rate
$559.16
Child Only Rate (covered up to the end of the year in with the child turns 21)
N/A
Family Rate
$796.80
In-Network Deductible
$8,150/$16,300 (E)
In-Network Coinsurance
0%
Primary Care/Specialist Office Visit
Deductible then $0 after 3 visits for Primary Care Allowance/Deductible then $0
Telemedicine including Mental Health and Substance Use Disorder
(participating Teladoc® providers only)
$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


© 2020 Independent Health Association, Inc.