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.
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Like always, we'll be here when you need us, even just to listen.
The plans shown below represent our 2022 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.
| Standard Platinum |
|---|
2022 |
| Individual Rate $760.51 |
| Individual and Child(ren) Rate $1,292.87 |
| Individual and Spouse Rate $1,521.02 |
| Child Only Rate (covered up to the end of the year in with the child turns 21) $313.33 |
| Family Rate $2,167.45 |
| In-Network Deductible $0 |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit $15/$35 |
| 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 $100 |
| Pharmacy3 $10/$30/$60 |
Show Benefits + |
| FlexFit Platinum |
|---|
2022 |
| Individual Rate $693.31 |
| Individual and Child(ren) Rate $1,178.63 |
| Individual and Spouse Rate $1,386.62 |
| Child Only Rate (covered up to the end of the year in with the child turns 21) N/A |
| Family Rate $1,975.93 |
| 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 |
| Pharmacy3 $5/$30/50% |
Show Benefits + |
| Choice Plus Platinum2 |
|---|
2022 |
| Individual Rate $657.92 |
| Individual and Child(ren) Rate $1,118.46 |
| Individual and Spouse Rate $1,315.84 |
| Child Only Rate (covered up to the end of the year in with the child turns 21) N/A |
| Family Rate $1,875.07 |
| 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 |
| Pharmacy3 $5/$30/50% |
Show Benefits + |
| thRed Platinum4 |
|---|
2022 New |
| Individual Rate $630.37 |
| Individual and Child(ren) Rate $1,071.63 |
| Individual and Spouse Rate $1,260.74 |
| Child Only Rate (covered up to the end of the year in with the child turns 21) N/A |
| Family Rate $1,796.55 |
| In-Network Deductible $0 |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit $0/$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 |
| Pharmacy3 $5/$30/50% |
Show Benefits + |
| Standard Gold |
|---|
2022 |
| Individual Rate $627.68 |
| Individual and Child(ren) Rate $1,067.06 |
| Individual and Spouse Rate $1,255.36 |
| Child Only Rate (covered up to the end of the year in with the child turns 21) $258.60 |
| Family Rate $1,788.89 |
| 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 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 |
| Pharmacy3 $10/$35/$70 |
Show Benefits + |
| iDirect Gold Copay |
|---|
2022 |
| Individual Rate $595.89 |
| Individual and Child(ren) Rate $1,013.01 |
| Individual and Spouse Rate $1,191.78 |
| Child Only Rate (covered up to the end of the year in with the child turns 21) N/A |
| Family Rate $1,698.29 |
| 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 $150 |
| Pharmacy3 $10/$40/50% |
Show Benefits + |
iDirect Gold Copay HSAQ  |
|---|
2022 |
| Individual Rate $574.78 |
| Individual and Child(ren) Rate $977.13 |
| Individual and Spouse Rate $1,149.56 |
| Child Only Rate (covered up to the end of the year in with the child turns 21) N/A |
| Family Rate $1,638.12 |
| 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 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 $150 |
| Pharmacy3 Deductible then $10/$40/50% |
Show Benefits + |
| Activate Gold |
|---|
2022 New |
| Individual Rate $572.22 |
| Individual and Child(ren) Rate $972.77 |
| Individual and Spouse Rate $1,144.44 |
| Child Only Rate (covered up to the end of the year in with the child turns 21) N/A |
| Family Rate $1,630.83 |
| In-Network Deductible $1,500/$3,000 (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 |
| Pharmacy3 $10/25%/50% after first dollar and deductible |
Show Benefits + |
| Standard Silver |
|---|
2022 |
| Individual Rate $520.89 |
| Individual and Child(ren) Rate $885.51 |
| Individual and Spouse Rate $1,041.78 |
| Child Only Rate (covered up to the end of the year in with the child turns 21) $214.61 |
| Family Rate $1,484.54 |
| 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 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 |
| Pharmacy3 $10/$35/$70 |
Show Benefits + |
|
iDirect Silver Copay HSAQ |
|---|
2022 |
| Individual Rate $472.29 |
| Individual and Child(ren) Rate $802.89 |
| Individual and Spouse Rate $944.58 |
| Child Only Rate (covered up to the end of the year in with the child turns 21) N/A |
| Family Rate $1,346.03 |
| 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 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 |
| Pharmacy3 Deductible then $15/$50/50% |
Show Benefits + |
| Max Silver |
|---|
2022 |
| Individual Rate $474.88 |
| Individual and Child(ren) Rate $807.30 |
| Individual and Spouse Rate $949.76 |
| Child Only Rate (covered up to the end of the year in with the child turns 21) N/A |
| Family Rate $1,353.41 |
| In-Network Deductible $2,800/$5,600 (T) |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit $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 |
| Pharmacy3 $15/Deductible then $50/Deductible then 50% |
Show Benefits + |
|
Choice Plus Silver HSAQ2 |
|---|
2022 |
| Individual Rate $450.63 |
| Individual and Child(ren) Rate $766.07 |
| Individual and Spouse Rate $901.26 |
| Child Only Rate (covered up to the end of the year in with the child turns 21) N/A |
| Family Rate $1,284.30 |
| 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 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 |
| Pharmacy3 Deductible then $15/$50/50% |
Show Benefits + |
| thRed Silver4 |
|---|
2022 New |
| Individual Rate $431.77 |
| Individual and Child(ren) Rate $734.01 |
| Individual and Spouse Rate $863.54 |
| Child Only Rate (covered up to the end of the year in with the child turns 21) N/A |
| Family Rate $1,230.54 |
| In-Network Deductible $3,500/$7,000 (T) |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit $0/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 $1,500 |
| Emergency Room Services Deductible then $250 |
| Pharmacy3 $15/$50/50% |
Show Benefits + |
|
Standard Bronze HSAQ |
|---|
2022 |
| Individual Rate $401.09 |
| Individual and Child(ren) Rate $681.85 |
| Individual and Spouse Rate $802.18 |
| Child Only Rate (covered up to the end of the year in with the child turns 21) $165.25 |
| Family Rate $1,143.11 |
| 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 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% |
| Pharmacy3 Deductible then $10/$35/$70 |
Show Benefits + |
| iDirect Bronze MV |
|---|
2022 |
| Individual Rate $344.21 |
| Individual and Child(ren) Rate $585.16 |
| Individual and Spouse Rate $688.42 |
| Child Only Rate (covered up to the end of the year in with the child turns 21) N/A |
| Family Rate $981.00 |
| 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 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 |
| Pharmacy3 Deductible then $0 |
Show Benefits + |
|
iDirect Bronze Coinsurance HSAQ |
|---|
2022 |
| Individual Rate $365.65 |
| Individual and Child(ren) Rate $621.61 |
| Individual and Spouse Rate $731.30 |
| Child Only Rate (covered up to the end of the year in with the child turns 21) N/A |
| Family Rate $1,042.10 |
| 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% |
| Pharmacy3 Deductible then 50% |
Show Benefits + |
| thRed Bronze4 |
|---|
2022 New |
| Individual Rate $332.46 |
| Individual and Child(ren) Rate $565.18 |
| Individual and Spouse Rate $664.92 |
| Child Only Rate (covered up to the end of the year in with the child turns 21) N/A |
| Family Rate $947.51 |
| In-Network Deductible $8,550/$17,100 (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 $0 |
| Inpatient Hospital Services (per admission) Deductible then $0 |
| Emergency Room Services Deductible then $0 |
| Pharmacy3 Deductible then $0 |
Show Benefits + |
| Standard Catastrophic1 |
|---|
2022 |
| Individual Rate $249.89 |
| Individual and Child(ren) Rate $424.81 |
| Individual and Spouse Rate $499.78 |
| Child Only Rate (covered up to the end of the year in with the child turns 21) N/A |
| Family Rate $712.19 |
| In-Network Deductible $8,700/$17,400 (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 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 |
| Pharmacy3 Deductible then $0 |
Show Benefits + |
