The group at Solo Well being is out there that will help you each step of the way in which, from the invention part by means of the plan institution course of. You may attain them through e-mail at Assist@hbgnow.com, Name/Textual content: (888) 655-4053, or you’ll be able to decide a time and schedule a session just about, or in-person each Wednesday on the Freelancers Hub.
As a member of Freelancers Union, securing the best well being protection for 2025 is likely one of the most vital choices you’ll make. With so many choices out there, it’s important to take the time to completely discover what’s on the market. At Wholesome Enterprise Group (HBG), the enterprise behind Solo Well being Collective, we strongly encourage all members to contemplate each possibility fastidiously.
Freelancers Union has partnered with a number of distinctive options that will help you discover the protection that matches your wants. Whether or not you are wanting on the ACA exchanges or revolutionary different well being options, they’ve received you lined.
First you must get a way of your ACA market choices and see what sort of subsidies it’s possible you’ll be eligible for – subsidies and plan designs fluctuate from state to state. Subsequent, we suggest you head over to Solo Well being Collective for an alternate which may higher suit your wants.
Solo is a simplified well being plan completely created for freelancers and solopreneurs, you have to an EIN to get began. Much like ACA plans, there aren’t any annual or lifetime limits on advantages. Solo will not be a restricted medical or short-term medical plan.
Getting your month-to-month value with Solo is straightforward!
What are the advantages of Solo Well being?
Solo is out there for year-round enrollment – not simply November-December. Moreover, you’ll be able to cancel your Solo plan at any time. We attempt to make this plan easy and versatile – identical to your freelance life-style!
Our PPO plan means that you can get care in all 50 states plus protection for emergencies overseas. As a freelancer, you’ve the liberty to journey and dwell the place you need, once you need. It is a nice characteristic for these dwelling nomadic existence.
Solo gives plan members the flexibility to create a well being plan and take management of their healthcare bills by means of an revolutionary captive framework. Not like many different personal well being plan alternate options, Solo is a significant medical plan that unlocks the potential for main financial savings.
With Solo you’ll have entry to:
- Nationwide PPO Community: Solo is a PPO plan, which usually gives extra flexibility than HMOs, with bigger supplier community, out-of-network protection, and the flexibility to see specialists with out referral.
- No annual frequency limitations: Chances are you’ll be conversant in plans which have set limits on what number of occasions you’ll be able to see specialists, go to the ER, and extra. With Solo you received’t expertise any of those complications.
- Deductible and Out-of-Pocket Most: With Solo you choose your deductible quantity – $2,500, $5,000, or $10,000, this quantity can be your out-of-pocket most. Eliminating coinsurance is only one manner that we’re serving to freelancers defend their healthcare prices.
- HSA Eligibility: As a freelancer, you’ll wish to reap the benefits of the tax advantages of a Well being Financial savings Account (HSA), the place you need to use pre-tax revenue to pay for medical providers. With Solo, the $2,500, and $5,000 deductible choices are HSA eligible. Freelancers Union has partnered with Energetic for HSA advantages – test them out right here.
What Makes Solo Totally different?
- Solo will not be particular person medical insurance purchased on or off the ACA exchanges. As a substitute, with Solo, your small business is the entity that creates the plan. Solo is a type of enterprise insurance coverage. Similar to employers provide healthcare by means of their enterprise, you as a solo enterprise proprietor contract with Solo to determine a level-funded, self-insured plan.
- A self-insured plan, backed by an A+ rated reinsurer: Our captive is backed by Odyssey Reinsurance, guaranteeing monetary energy and stability. This implies Solo’s members can have full confidence realizing that claims are lined past normal legal responsibility limits by a globally acknowledged, extremely rated reinsurance supplier.
- Designed for wholesome freelancers – a well being questionnaire confirms your eligibility for the plan. This helps us management our prices and go financial savings alongside to the captive members.
- Solo has partnered with Touchcare, a Well being Concierge. Touchcare is right here that will help you make your resolution with goal recommendation. They’re an impartial third social gathering out there to information you thru your choices. As a Solo member, Touchcare might help you discover one of the best in-network suppliers, schedule appointments, resolve billing points, and extra.
The Freelancers Union gives many various choices for you, when evaluating plans it’s vital to research:
- Most Annual Premium Value – What’s going to the overall value of your protection be?
- Plan Design Variations – Take a look at components like deductibles and out-of-pocket maximums.
- Community Protection – Is the community broad sufficient to cowl your wants, or is it extra restricted? Does your plan work in all 50 states?
Discover, evaluate, and select what works finest for you!
