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 Q1 Small Group plans. Download a printable version here.
To view our 2024 Q4 plans and rates, click here.
| FlexFit Platinum |
|---|
2025 Q1 |
| Employee Rate $933.29 |
| Employee and Child(ren) Rate $1,586.59 |
| Employee and Spouse Rate $1,866.58 |
| Family Rate $2,659.88 |
| 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 Q1 |
| Employee Rate $955.18 |
| Employee and Child(ren) Rate $1,623.81 |
| Employee and Spouse Rate $1,910.36 |
| Family Rate $2,722.26 |
| 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 |
Show Benefits + |
| Passport Plan National Platinum |
|---|
2025 Q1 |
| Employee Rate $1,353.95 |
| Employee and Child(ren) Rate $2,301.72 |
| Employee and Spouse Rate $2,707.90 |
| Family Rate $3,858.76 |
| 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 Q1 |
| Employee Rate $1,220.03 |
| Employee and Child(ren) Rate $2,074.05 |
| Employee and Spouse Rate $2,440.06 |
| Family Rate $3,477.09 |
| 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 Q1 |
| Employee Rate $761.78 |
| Employee and Child(ren) Rate $1,295.03 |
| Employee and Spouse Rate $1,523.56 |
| Family Rate $2,171.07 |
| 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 Q1 |
| Employee Rate $690.78 |
| Employee and Child(ren) Rate $1,174.33 |
| Employee and Spouse Rate $1,381.56 |
| Family Rate $1,968.72 |
| 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 Q1 |
| Employee Rate $818.59 |
| Employee and Child(ren) Rate $1,391.60 |
| Employee and Spouse Rate $1,637.18 |
| Family Rate $2,332.98 |
| 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 Q1 |
| Employee Rate $821.51 |
| Employee and Child(ren) Rate $1,396.57 |
| Employee and Spouse Rate $1,643.02 |
| Family Rate $2,341.30 |
| 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 Q1 |
| Employee Rate $773.56 |
| Employee and Child(ren) Rate $1,315.05 |
| Employee and Spouse Rate $1,547.12 |
| Family Rate $2,204.65 |
| 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 Q1 |
| Employee Rate $1,055.35 |
| Employee and Child(ren) Rate $1,794.10 |
| Employee and Spouse Rate $2,110.70 |
| Family Rate $3,007.75 |
| 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 Q1 |
| Employee Rate $952.42 |
| Employee and Child(ren) Rate $1,619.11 |
| Employee and Spouse Rate $1,904.84 |
| Family Rate $2,714.40 |
| 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 Q1 |
| Employee Rate $678.76 |
| Employee and Child(ren) Rate $1,153.89 |
| Employee and Spouse Rate $1,357.52 |
| Family Rate $1,934.47 |
| 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 Q1 |
| Employee Rate $731.31 |
| Employee and Child(ren) Rate $1,243.23 |
| Employee and Spouse Rate $1,462.62 |
| Family Rate $2,084.23 |
| 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 Q1 |
| Employee Rate $740.04 |
| Employee and Child(ren) Rate $1,258.07 |
| Employee and Spouse Rate $1,480.08 |
| Family Rate $2,109.11 |
| 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 Q1 |
| Employee Rate $721.50 |
| Employee and Child(ren) Rate $1,226.55 |
| Employee and Spouse Rate $1,443.00 |
| Family Rate $2,056.28 |
| 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 Q1 |
| Employee Rate $672.64 |
| Employee and Child(ren) Rate $1,143.49 |
| Employee and Spouse Rate $1,345.28 |
| Family Rate $1,917.02 |
| 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 Q1 |
| Employee Rate $956.21 |
| Employee and Child(ren) Rate $1,625.56 |
| Employee and Spouse Rate $1,912.42 |
| Family Rate $2,725.20 |
| 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 Q1 |
| Employee Rate $863.41 |
| Employee and Child(ren) Rate $1,467.80 |
| Employee and Spouse Rate $1,726.82 |
| Family Rate $2,460.72 |
| 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 Q1 |
| Employee Rate $595.25 |
| Employee and Child(ren) Rate $1,011.93 |
| Employee and Spouse Rate $1,190.50 |
| Family Rate $1,696.46 |
| 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 Q1 |
| Employee Rate $584.26 |
| Employee and Child(ren) Rate $993.24 |
| Employee and Spouse Rate $1,168.52 |
| Family Rate $1,665.14 |
| 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 Q1 |
| Employee Rate $845.84 |
| Employee and Child(ren) Rate $1,437.93 |
| Employee and Spouse Rate $1,691.68 |
| Family Rate $2,410.64 |
| 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 Q1 |
| Employee Rate $763.58 |
| Employee and Child(ren) Rate $1,298.09 |
| Employee and Spouse Rate $1,527.16 |
| Family Rate $2,176.20 |
| 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 + |
