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.
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Monday - Friday from 8 a.m. - 5 p.m.
The RedShirt Treatment goes well beyond insurance.
The plans shown below represent our 2025 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 |
|---|
2025 |
| Individual Rate $1,246.93 |
| Individual and Child(ren) Rate $2,119.78 |
| Individual and Spouse Rate $2,493.86 |
| Child Only Rate (covered up to the end of the year in which the child turns 21) $513.74 |
| Family Rate $3,553.75 |
| 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 |
|---|
2025 |
| Individual Rate $1,182.68 |
| Individual and Child(ren) Rate $2,010.56 |
| Individual and Spouse Rate $2,365.36 |
| Child Only Rate (covered up to the end of the year in which the child turns 21) N/A |
| Family Rate $3,370.64 |
| 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/$30/50% |
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| Standard Gold |
|---|
2025 |
| Individual Rate $1,034.86 |
| Individual and Child(ren) Rate $1,759.26 |
| Individual and Spouse Rate $2,069.72 |
| Child Only Rate (covered up to the end of the year in which the child turns 21) $426.36 |
| Family Rate $2,949.35 |
| 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 |
| Pharmacy2 $10/$35/$70 |
Show Benefits + |
| iDirect Gold Copay |
|---|
2025 |
| Individual Rate $1,013.90 |
| Individual and Child(ren) Rate $1,723.63 |
| Individual and Spouse Rate $2,027.80 |
| Child Only Rate (covered up to the end of the year in which the child turns 21) N/A |
| Family Rate $2,889.62 |
| Available on Exchange? No |
| 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 $300 |
| Pharmacy2 $10/$40/50% |
Show Benefits + |
iDirect Gold Copay HSAQ  |
|---|
2025 |
| Individual Rate $981.55 |
| Individual and Child(ren) Rate $1,668.64 |
| Individual and Spouse Rate $1,963.10 |
| Child Only Rate (covered up to the end of the year in which the child turns 21) N/A |
| Family Rate $2,797.42 |
| Available on Exchange? No |
| In-Network Deductible $1,650/$3,300 (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 |
|---|
2025 |
| Individual Rate $848.25 |
| Individual and Child(ren) Rate $1,442.03 |
| Individual and Spouse Rate $1,696.50 |
| Child Only Rate (covered up to the end of the year in which the child turns 21) $349.47 |
| Family Rate $2,417.51 |
| Available on Exchange? Yes |
| In-Network Deductible $2,100/$4,200 (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 |
|---|
2025 |
| Individual Rate $810.18 |
| Individual and Child(ren) Rate $1,377.31 |
| Individual and Spouse Rate $1,620.36 |
| Child Only Rate (covered up to the end of the year in which the child turns 21) N/A |
| Family Rate $2,309.01 |
| Available on Exchange? No |
| In-Network Deductible $2,000/$4,000 (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 $300 |
| Pharmacy2 Deductible then $15/$50/50% |
Show Benefits + |
| Max Silver |
|---|
2025 |
| Individual Rate $804.55 |
| Individual and Child(ren) Rate $1,367.74 |
| Individual and Spouse Rate $1,609.10 |
| Child Only Rate (covered up to the end of the year in which the child turns 21) N/A |
| Family Rate $2,292.97 |
| Available on Exchange? No |
| 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 $300 |
| Pharmacy2 $15/Deductible then $50/Deductible then 50% |
Show Benefits + |
| Standard Bronze |
|---|
2025 |
| Individual Rate $636.19 |
| Individual and Child(ren) Rate $1,081.52 |
| Individual and Spouse Rate $1,272.38 |
| Child Only Rate (covered up to the end of the year in which the child turns 21) $262.11 |
| Family Rate $1,813.14 |
| Available on Exchange? Yes |
| In-Network Deductible $3,800/$7,600 (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 |
Show Benefits + |
| iDirect Bronze MV |
|---|
2025 |
| Individual Rate $581.31 |
| Individual and Child(ren) Rate $988.23 |
| Individual and Spouse Rate $1,162.62 |
| Child Only Rate (covered up to the end of the year in which the child turns 21) N/A |
| Family Rate $1,656.73 |
| Available on Exchange? No |
| In-Network Deductible $9,200/$18,400 (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 Coinsurance HSAQ |
|---|
2025 |
| Individual Rate $603.41 |
| Individual and Child(ren) Rate $1,025.80 |
| Individual and Spouse Rate $1,206.82 |
| Child Only Rate (covered up to the end of the year in which the child turns 21) N/A |
| Family Rate $1,719.72 |
| Available on Exchange? No |
| In-Network Deductible $5,600/$11,200 (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 + |
| Standard Catastrophic1 |
|---|
2025 |
| Individual Rate $371.85 |
| Individual and Child(ren) Rate $632.15 |
| Individual and Spouse Rate $743.70 |
| Child Only Rate (covered up to the end of the year in which the child turns 21) N/A |
| Family Rate $1,059.77 |
| Available on Exchange? Yes |
| In-Network Deductible $9,200/$18,400 (E) |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit Deductible then $04/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 |
Show Benefits + |
