The top-rated 2024 Commercial Health Plan in NY, competitive products, hands-on support and an enhanced national and local network. Whether you’re a small group or a large group employer, we’re committed to ensuring you’re supported. A healthier business. That’s the RedShirt® Treatment.
Independent Health was rated 5 out of 5 in NCQA's Commercial Health Plan Ratings in 2023 and 2024.
The plans shown below represent our 2025 Q2 Small Group plans. Download a printable version here.
To view our 2025 Q1 plans and rates, click here.
| FlexFit Platinum |
|---|
2025 Q2 |
| Employee Rate $951.95 |
| Employee and Child(ren) Rate $1,618.32 |
| Employee and Spouse Rate $1,903.90 |
| Family Rate $2,713.06 |
| First Dollar Coverage N/A |
| 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 |
| Pharmacy1 $5/$30/50% |
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| FlexFit Platinum Option 2 |
|---|
2025 Q2 |
| Employee Rate $974.28 |
| Employee and Child(ren) Rate $1,656.28 |
| Employee and Spouse Rate $1,948.56 |
| Family Rate $2,776.70 |
| First Dollar Coverage N/A |
| In-Network Deductible $0 |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit $10/$25 |
| 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 |
| Pharmacy1 $5/$30/$100 |
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| Passport Plan National Platinum |
|---|
2025 Q2 |
| Employee Rate $1,381.03 |
| Employee and Child(ren) Rate $2,347.75 |
| Employee and Spouse Rate $2,762.06 |
| Family Rate $3,935.94 |
| First Dollar Coverage N/A |
| In-Network Deductible $0 |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit $15/$45 |
| 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 $200 |
| Pharmacy1 $5/$30/50% |
Show Benefits + |
| Passport Plan Local Platinum3 |
|---|
2025 Q2 |
| Employee Rate $1,244.43 |
| Employee and Child(ren) Rate $2,115.53 |
| Employee and Spouse Rate $2,488.86 |
| Family Rate $3,546.63 |
| First Dollar Coverage N/A |
| In-Network Deductible $0 |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit $15/$45 |
| 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 $200 |
| Pharmacy1 $5/$30/50% |
Show Benefits + |
| Activate Gold |
|---|
2025 Q2 |
| Employee Rate $777.02 |
| Employee and Child(ren) Rate $1,320.93 |
| Employee and Spouse Rate $1,554.04 |
| Family Rate $2,214.51 |
| First Dollar Coverage $750/$1,500 |
| In-Network Deductible $1,500/$3,000 (E) |
| In-Network Coinsurance 25% Coinsurance after first dollar and deductible |
| Primary Care/Specialist Office Visit $20/$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 |
| Pharmacy1 $10/25%/50% after first dollar and deductible |
Show Benefits + |
| Standard Healthy NY Gold2 |
|---|
2025 Q2 |
| Employee Rate $704.60 |
| Employee and Child(ren) Rate $1,197.82 |
| Employee and Spouse Rate $1,409.20 |
| Family Rate $2,008.11 |
| First Dollar Coverage N/A |
| 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 |
| Pharmacy1 $10/$35/$70 |
Show Benefits + |
| iDirect Gold Copay |
|---|
2025 Q2 |
| Employee Rate $834.96 |
| Employee and Child(ren) Rate $1,419.43 |
| Employee and Spouse Rate $1,669.92 |
| Family Rate $2,379.64 |
| First Dollar Coverage N/A |
| 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 $200 |
| Pharmacy1 $10/$40/$100 |
Show Benefits + |
| iDirect Gold Copay Option 3 |
|---|
2025 Q2 |
| Employee Rate $837.94 |
| Employee and Child(ren) Rate $1,424.50 |
| Employee and Spouse Rate $1,675.88 |
| Family Rate $2,388.13 |
| First Dollar Coverage N/A |
| In-Network Deductible $600/$1,200 (T) |
| 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 $250 |
| Pharmacy1 $10/$35/50% |
Show Benefits + |
iDirect Gold Copay HSAQ  |
|---|
2025 Q2 |
| Employee Rate $789.04 |
| Employee and Child(ren) Rate $1,341.37 |
| Employee and Spouse Rate $1,578.08 |
| Family Rate $2,248.76 |
| First Dollar Coverage N/A |
| 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 $750 |
| Emergency Room Services Deductible then $200 |
| Pharmacy1 Deductible then $10/$40/50% |
Show Benefits + |
|
Passport Plan National Gold HSAQ |
|---|
2025 Q2 |
| Employee Rate $1,076.46 |
| Employee and Child(ren) Rate $1,829.98 |
| Employee and Spouse Rate $2,152.92 |
| Family Rate $3,067.91 |
| First Dollar Coverage N/A |
| In-Network Deductible $1,650/$3,300 (T) |
| In-Network Coinsurance Deductible then 20% |
| Primary Care/Specialist Office Visit Deductible then 20% |
| 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 20% |
| Emergency Room Services Deductible then 20% |
| Pharmacy1 Deductible then $10/20%/50% |
Show Benefits + |
|
Passport Plan Local Gold HSAQ3 |
|---|
2025 Q2 |
| Employee Rate $971.46 |
| Employee and Child(ren) Rate $1,651.48 |
| Employee and Spouse Rate $1,942.92 |
| Family Rate $2,768.66 |
| First Dollar Coverage N/A |
| In-Network Deductible $1,650/$3,300 (T) |
| In-Network Coinsurance Deductible then 20% |
| Primary Care/Specialist Office Visit Deductible then 20% |
| 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 20% |
| Emergency Room Services Deductible then 20% |
| Pharmacy1 Deductible then $10/20%/50% |
Show Benefits + |
| Activate Silver |
|---|
2025 Q2 |
| Employee Rate $692.34 |
| Employee and Child(ren) Rate $1,176.98 |
| Employee and Spouse Rate $1,384.68 |
| Family Rate $1,973.17 |
| First Dollar Coverage $500/$1,000 |
| In-Network Deductible $3,100/$6,200 (E) |
| In-Network Coinsurance 40% Coinsurance after first dollar and deductible |
| Primary Care/Specialist Office Visit $35/$60 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) 40% Coinsurance after first dollar and deductible |
| Emergency Room Services 40% Coinsurance after first dollar and deductible |
| Pharmacy1 $15/40%/50% after first dollar and deductible |
Show Benefits + |
| iDirect Silver Copay |
|---|
2025 Q2 |
| Employee Rate $745.94 |
| Employee and Child(ren) Rate $1,268.10 |
| Employee and Spouse Rate $1,491.88 |
| Family Rate $2,125.93 |
| First Dollar Coverage N/A |
| 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 $0 |
| Inpatient Hospital Services (per admission) Deductible then $1,000 |
| Emergency Room Services Deductible then $300 |
| Pharmacy1 $15/$50/50% |
Show Benefits + |
| iDirect Silver Copay Option 2 |
|---|
2025 Q2 |
| Employee Rate $754.84 |
| Employee and Child(ren) Rate $1,283.23 |
| Employee and Spouse Rate $1,509.68 |
| Family Rate $2,151.29 |
| First Dollar Coverage N/A |
| In-Network Deductible $2,100/$4,200 (E) |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit Deductible then $30/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 |
| Pharmacy1 $15/$40/$125 |
Show Benefits + |
|
iDirect Silver Copay HSAQ |
|---|
2025 Q2 |
| Employee Rate $735.93 |
| Employee and Child(ren) Rate $1,251.08 |
| Employee and Spouse Rate $1,471.86 |
| Family Rate $2,097.40 |
| First Dollar Coverage N/A |
| 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 |
| Pharmacy1 Deductible then $15/$50/50% |
Show Benefits + |
|
iDirect Silver Coinsurance HSAQ |
|---|
2025 Q2 |
| Employee Rate $686.09 |
| Employee and Child(ren) Rate $1,166.35 |
| Employee and Spouse Rate $1,372.18 |
| Family Rate $1,955.36 |
| First Dollar Coverage N/A |
| In-Network Deductible $3,000/$6,000 (T) |
| In-Network Coinsurance Deductible then 25% |
| Primary Care/Specialist Office Visit Deductible then 25% |
| 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 25% |
| Emergency Room Services Deductible then 25% |
| Pharmacy1 Deductible then $15/$50/50% |
Show Benefits + |
|
Passport Plan National Silver HSAQ |
|---|
2025 Q2 |
| Employee Rate $975.33 |
| Employee and Child(ren) Rate $1,658.06 |
| Employee and Spouse Rate $1,950.66 |
| Family Rate $2,779.69 |
| First Dollar Coverage N/A |
| In-Network Deductible $3,000/$6,000 (T) |
| In-Network Coinsurance Deductible then 25% |
| Primary Care/Specialist Office Visit Deductible then 25% |
| 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 25% |
| Emergency Room Services Deductible then 25% |
| Pharmacy1 Deductible then $15/$50/50% |
Show Benefits + |
|
Passport Plan Local Silver HSAQ3 |
|---|
2025 Q2 |
| Employee Rate $880.68 |
| Employee and Child(ren) Rate $1,497.16 |
| Employee and Spouse Rate $1,761.36 |
| Family Rate $2,509.94 |
| First Dollar Coverage N/A |
| In-Network Deductible $3,000/$6,000 (T) |
| In-Network Coinsurance Deductible then 25% |
| Primary Care/Specialist Office Visit Deductible then 25% |
| 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 25% |
| Emergency Room Services Deductible then 25% |
| Pharmacy1 Deductible then $15/$50/50% |
Show Benefits + |
|
iDirect Bronze Coinsurance HSAQ |
|---|
2025 Q2 |
| Employee Rate $607.15 |
| Employee and Child(ren) Rate $1,032.16 |
| Employee and Spouse Rate $1,214.30 |
| Family Rate $1,730.38 |
| First Dollar Coverage N/A |
| 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% |
| Pharmacy1 Deductible then 50% |
Show Benefits + |
|
iDirect Bronze MV HSAQ |
|---|
2025 Q2 |
| Employee Rate $595.95 |
| Employee and Child(ren) Rate $1,013.12 |
| Employee and Spouse Rate $1,191.90 |
| Family Rate $1,698.46 |
| First Dollar Coverage N/A |
| In-Network Deductible $8,050/$16,100 (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 |
| Pharmacy1 Deductible then $0 |
Show Benefits + |
|
Passport Plan National Bronze HSAQ |
|---|
2025 Q2 |
| Employee Rate $862.76 |
| Employee and Child(ren) Rate $1,466.69 |
| Employee and Spouse Rate $1,725.52 |
| Family Rate $2,458.87 |
| First Dollar Coverage N/A |
| 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% |
| Pharmacy1 Deductible then 50% |
Show Benefits + |
|
Passport Plan Local Bronze HSAQ3 |
|---|
2025 Q2 |
| Employee Rate $778.86 |
| Employee and Child(ren) Rate $1,324.06 |
| Employee and Spouse Rate $1,557.72 |
| Family Rate $2,219.75 |
| First Dollar Coverage N/A |
| 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% |
| Pharmacy1 Deductible then 50% |
Show Benefits + |
