Independent Health is the smart choice. Making it easy for you to get and stay healthy with low-cost 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 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.
| 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 |
Show Benefits + |
| 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% |
Show Benefits + |
| 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% |
Show Benefits + |
| 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% |
Show Benefits + |
| 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 |
Show Benefits + |
| 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% |
Show Benefits + |
iDirect Gold Copay HSAQ  |
|---|
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% |
Show Benefits + |
| 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 |
Show Benefits + |
| 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 |
Show Benefits + |
|
iDirect Silver Copay HSAQ |
|---|
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 |
|---|
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 |
|---|
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 |
|---|
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 + |
