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 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.
| 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  |
|---|
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 |
|---|
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 |
|---|
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 |
|---|
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 |
|---|
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 + |
