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We make it easy for you to get and stay healthy with affordable plans and less hassle. All with the RedShirt® Treatment.
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.
The RedShirt Treatment goes well beyond insurance.
The plans shown below represent our 2026 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 |
|---|
2026 |
| Individual Rate $1,631.88 |
| Individual and Child(ren) Rate $2,774.20 |
| Individual and Spouse Rate $3,263.76 |
| Child Only Rate (covered up to the end of the year in which the child turns 21) $672.33 |
| Family Rate $4,650.86 |
| 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 |
| Pharmacy2 $10/$30/$60 |
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| FlexFit Platinum |
|---|
2026 |
| Individual Rate $1,422.97 |
| Individual and Child(ren) Rate $2,419.05 |
| Individual and Spouse Rate $2,845.94 |
| Child Only Rate (covered up to the end of the year in which the child turns 21) N/A |
| Family Rate $4,055.46 |
| Available on Exchange? No |
| 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 $250 |
| Pharmacy2 $5/$45/50% |
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| Standard Gold |
|---|
2026 |
| Individual Rate $1,322.28 |
| Individual and Child(ren) Rate $2,247.88 |
| Individual and Spouse Rate $2,644.56 |
| Child Only Rate (covered up to the end of the year in which the child turns 21) $544.78 |
| Family Rate $3,768.50 |
| Available on Exchange? Yes |
| In-Network Deductible $775/$1,550 (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 |
| Pharmacy2 $10/$35/$70 |
Show Benefits + |
| iDirect Gold Copay |
|---|
2026 |
| Individual Rate $1,152.99 |
| Individual and Child(ren) Rate $1,960.08 |
| Individual and Spouse Rate $2,305.98 |
| Child Only Rate (covered up to the end of the year in which the child turns 21) N/A |
| Family Rate $3,286.02 |
| Available on Exchange? No |
| In-Network Deductible $1,300/$2,600 (T) |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit $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 $1,000 |
| Emergency Room Services Deductible then $300 |
| Pharmacy2 $10/$40/50% |
Show Benefits + |
iDirect Gold Copay HSAQ  |
|---|
2026 |
| Individual Rate $1,125.72 |
| Individual and Child(ren) Rate $1,913.72 |
| Individual and Spouse Rate $2,251.44 |
| Child Only Rate (covered up to the end of the year in which the child turns 21) N/A |
| Family Rate $3,208.30 |
| Available on Exchange? No |
| In-Network Deductible $1,750/$3,500 (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 $200 |
| Pharmacy2 Deductible then $10/$40/50% |
Show Benefits + |
| Standard Silver |
|---|
2026 |
| Individual Rate $1,033.23 |
| Individual and Child(ren) Rate $1,756.49 |
| Individual and Spouse Rate $2,066.46 |
| Child Only Rate (covered up to the end of the year in which the child turns 21) $425.70 |
| Family Rate $2,944.71 |
| Available on Exchange? Yes |
| In-Network Deductible $2,450/$4,900 (E) |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit Deductible then $303/Deductible then $653 |
| 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 |
| Pharmacy2 $15/$40/$75 |
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|
iDirect Silver Copay HSAQ |
|---|
2026 |
| Individual Rate $900.86 |
| Individual and Child(ren) Rate $1,531.46 |
| Individual and Spouse Rate $1,801.72 |
| Child Only Rate (covered up to the end of the year in which the child turns 21) N/A |
| Family Rate $2,567.45 |
| Available on Exchange? No |
| In-Network Deductible $2,900/$5,800 (T) |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit Deductible then $35/Deductible then $65 |
| 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 $1,500 |
| Emergency Room Services Deductible then $300 |
| Pharmacy2 Deductible then $15/$50/50% |
Show Benefits + |
| Max Silver |
|---|
2026 |
| Individual Rate $932.27 |
| Individual and Child(ren) Rate $1,584.86 |
| Individual and Spouse Rate $1,864.54 |
| Child Only Rate (covered up to the end of the year in which the child turns 21) N/A |
| Family Rate $2,656.97 |
| Available on Exchange? No |
| In-Network Deductible $2,850/$5,700 (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 $1,500 |
| Emergency Room Services Deductible then $300 |
| Pharmacy2 $15/Deductible then $50/Deductible then 50% |
Show Benefits + |
| Standard Bronze |
|---|
2026 |
| Individual Rate $785.56 |
| Individual and Child(ren) Rate $1,335.45 |
| Individual and Spouse Rate $1,571.12 |
| Child Only Rate (covered up to the end of the year in which the child turns 21) $323.65 |
| Family Rate $2,238.85 |
| Available on Exchange? Yes |
| In-Network Deductible $4,125/$8,250 (E) |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit Deductible then $504/Deductible then $754 |
| 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 |
| Pharmacy2 Deductible then $10/$35/$70 |
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| iDirect Bronze MV |
|---|
2026 |
| Individual Rate $650.25 |
| Individual and Child(ren) Rate $1,105.43 |
| Individual and Spouse Rate $1,300.50 |
| Child Only Rate (covered up to the end of the year in which the child turns 21) N/A |
| Family Rate $1,853.21 |
| Available on Exchange? No |
| In-Network Deductible $10,600/$21,200 (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 |
| Pharmacy2 Deductible then $0 |
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|
iDirect Bronze MV HSAQ |
|---|
2026 New |
| Individual Rate $685.08 |
| Individual and Child(ren) Rate $1,164.64 |
| Individual and Spouse Rate $1,370.16 |
| Child Only Rate (covered up to the end of the year in which the child turns 21) N/A |
| Family Rate $1,952.48 |
| Available on Exchange? No |
| In-Network Deductible $8,450/$16,900 (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 Deductible then $0 |
| Inpatient Hospital Services (per admission) Deductible then $0 |
| Emergency Room Services Deductible then $0 |
| Pharmacy2 Deductible then $0 |
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|
iDirect Bronze Coinsurance HSAQ |
|---|
2026 |
| Individual Rate $678.99 |
| Individual and Child(ren) Rate $1,154.28 |
| Individual and Spouse Rate $1,357.98 |
| Child Only Rate (covered up to the end of the year in which the child turns 21) N/A |
| Family Rate $1,935.12 |
| Available on Exchange? No |
| In-Network Deductible $6,000/$12,000 (E) |
| In-Network Coinsurance 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% |
| Pharmacy2 Deductible then 50% |
Show Benefits + |
