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The RedShirt® Treatment Goes Well Beyond Insurance.

The plans shown below represent our 2023 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

2023

Individual Rate
$793.68
Individual and Child(ren) Rate
$1,349.26
Individual and Spouse Rate
$1,587.36
Child Only Rate (covered up to the end of the year in which the child turns 21)
$327.00
Family Rate
$2,261.99
Available on Exchange?
Yes
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

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FlexFit Platinum

2023

Individual Rate
$743.08
Individual and Child(ren) Rate
$1,263.24
Individual and Spouse Rate
$1,486.16
Child Only Rate (covered up to the end of the year in which the child turns 21)
N/A
Family Rate
$2,117.78
Available on Exchange?
Yes
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%

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Choice Plus Platinum2

2023

Individual Rate
$721.96
Individual and Child(ren) Rate
$1,227.33
Individual and Spouse Rate
$1,443.92
Child Only Rate (covered up to the end of the year in which the child turns 21)
N/A
Family Rate
$2,057.59
Available on Exchange?
No
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%

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thRed Platinum4

2023

Individual Rate
$659.95
Individual and Child(ren) Rate
$1,121.92
Individual and Spouse Rate
$1,319.90
Child Only Rate (covered up to the end of the year in which the child turns 21)
N/A
Family Rate
$1,880.86
Available on Exchange?
No
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%

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Standard Gold

2023

Individual Rate
$655.06
Individual and Child(ren) Rate
$1,113.60
Individual and Spouse Rate
$1,310.12
Child Only Rate (covered up to the end of the year in which the child turns 21)
$269.88
Family Rate
$1,866.92
Available on Exchange?
Yes
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

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iDirect Gold Copay

2023

Individual Rate
$634.89
Individual and Child(ren) Rate
$1,079.31
Individual and Spouse Rate
$1,269.78
Child Only Rate (covered up to the end of the year in which the child turns 21)
N/A
Family Rate
$1,809.44
Available on Exchange?
Yes
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
Pharmacy3
$10/$40/50%

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iDirect Gold Copay HSAQ
HealthEquity

2023

Individual Rate
$615.03
Individual and Child(ren) Rate
$1,045.55
Individual and Spouse Rate
$1,230.06
Child Only Rate (covered up to the end of the year in which the child turns 21)
N/A
Family Rate
$1,752.84
Available on Exchange?
Yes
In-Network Deductible
$1,500/$3,000 (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%

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Activate Gold

2023

Individual Rate
$613.30
Individual and Child(ren) Rate
$1,042.61
Individual and Spouse Rate
$1,226.60
Child Only Rate (covered up to the end of the year in which the child turns 21)
N/A
Family Rate
$1,747.91
Available on Exchange?
No
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

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Standard Silver

2023

Individual Rate
$543.62
Individual and Child(ren) Rate
$924.15
Individual and Spouse Rate
$1,087.24
Child Only Rate (covered up to the end of the year in which the child turns 21)
$223.97
Family Rate
$1,549.32
Available on Exchange?
Yes
In-Network Deductible
$1,750/$3,500 (E)
In-Network Coinsurance
0%
Primary Care/Specialist Office Visit
Deductible then $305/Deductible then $65
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
Pharmacy3
$15/$40/$75

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iDirect Silver Copay HSAQ
HealthEquity

2023

Individual Rate
$502.98
Individual and Child(ren) Rate
$855.07
Individual and Spouse Rate
$1,005.96
Child Only Rate (covered up to the end of the year in which the child turns 21)
N/A
Family Rate
$1,433.49
Available on Exchange?
Yes
In-Network Deductible
$2,400/$4,800 (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

2023

Individual Rate
$508.96
Individual and Child(ren) Rate
$865.23
Individual and Spouse Rate
$1,017.92
Child Only Rate (covered up to the end of the year in which the child turns 21)
N/A
Family Rate
$1,450.54
Available on Exchange?
Yes
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
HealthEquity

2023

Individual Rate
$494.49
Individual and Child(ren) Rate
$840.63
Individual and Spouse Rate
$988.98
Child Only Rate (covered up to the end of the year in which the child turns 21)
N/A
Family Rate
$1,409.30
Available on Exchange?
No
In-Network Deductible
A: $2,400/$4,800 (T)
B: $3,900/$7,800 (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

2023

Individual Rate
$452.02
Individual and Child(ren) Rate
$768.43
Individual and Spouse Rate
$904.04
Child Only Rate (covered up to the end of the year in which the child turns 21)
N/A
Family Rate
$1,288.26
Available on Exchange?
No
In-Network Deductible
$4,000/$8,000 (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
HealthEquity

2023

Individual Rate
$418.58
Individual and Child(ren) Rate
$711.59
Individual and Spouse Rate
$837.16
Child Only Rate (covered up to the end of the year in which the child turns 21)
$172.45
Family Rate
$1,192.95
Available on Exchange?
Yes
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

2023

Individual Rate
$363.30
Individual and Child(ren) Rate
$617.61
Individual and Spouse Rate
$726.60
Child Only Rate (covered up to the end of the year in which the child turns 21)
N/A
Family Rate
$1,035.41
Available on Exchange?
Yes
In-Network Deductible
$9,100/$18,200 (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
HealthEquity

2023

Individual Rate
$391.90
Individual and Child(ren) Rate
$666.23
Individual and Spouse Rate
$783.80
Child Only Rate (covered up to the end of the year in which the child turns 21)
N/A
Family Rate
$1,116.92
Available on Exchange?
Yes
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

2023

Individual Rate
$348.05
Individual and Child(ren) Rate
$591.69
Individual and Spouse Rate
$696.10
Child Only Rate (covered up to the end of the year in which the child turns 21)
N/A
Family Rate
$991.94
Available on Exchange?
No
In-Network Deductible
$9,100/$18,200 (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

2023

Individual Rate
$255.73
Individual and Child(ren) Rate
$434.74
Individual and Spouse Rate
$511.46
Child Only Rate (covered up to the end of the year in which the child turns 21)
N/A
Family Rate
$728.83
Available on Exchange?
Yes
In-Network Deductible
$9,100/$18,200 (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 +

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