Discover an modern well being plan choice with Solo Well being Collective

The crew at Solo Well being is offered that can assist you each step of the best way, from the invention section by way of the plan institution course of. You’ll be able to attain them by way of e-mail at Help@hbgnow.com, Name/Textual content: (888) 655-4053, or you may choose 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 suitable well being protection for 2025 is among the most vital choices you’ll make. With so many choices accessible, 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 choice rigorously.

Freelancers Union has partnered with a number of distinctive options that can assist you discover the protection that matches your wants. Whether or not you are trying on the ACA exchanges or modern different well being options, they’ve acquired you lined.

First it’s best to 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 differ from state to state. Subsequent, we advocate you head over to Solo Well being Collective for an alternate which may higher suit your wants. 

Solo is a simplified well being plan solely created for freelancers and solopreneurs, you have to an EIN to get began. Just like ACA plans, there aren’t any annual or lifetime limits on advantages. Solo shouldn’t be a restricted medical or short-term medical plan.

Getting your month-to-month price with Solo is straightforward!

What are the advantages of Solo Well being?

Solo is offered for year-round enrollment – not simply November-December. Moreover, you may cancel your Solo plan at any time. We attempt to make this plan easy and versatile – similar to your freelance life-style!

Our PPO plan lets you get care in all 50 states plus protection for emergencies overseas. As a freelancer, you have got the liberty to journey and stay the place you need, once you need. This can be a nice characteristic for these residing nomadic life. 

Solo gives plan members the flexibility to create a well being plan and take management of their healthcare bills by way of an modern captive framework. In contrast to many different non-public 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: You could be aware of plans which have set limits on what number of occasions you may 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 also be your out-of-pocket most. Eliminating coinsurance is only one means that we’re serving to freelancers shield 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 should utilize 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 Full of life for HSA advantages – test them out right here. 

What Makes Solo Totally different?

1. Solo shouldn’t be particular person medical health insurance purchased on or off the ACA exchanges. As a substitute, with Solo, your corporation is the entity that creates the plan. Solo is a type of enterprise insurance coverage. Identical to employers provide healthcare by way of their enterprise, you as a solo enterprise proprietor contract with Solo to ascertain a level-funded, self-insured plan.
2. A self-insured plan, backed by an A+ rated reinsurer:  Our captive is backed by Odyssey Reinsurance, making certain 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.
3. 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.
4. Solo has partnered with Touchcare, a Well being Concierge. Touchcare is right here that can assist you make your choice with goal recommendation. They’re an impartial third social gathering accessible 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: 

1. Most Annual Premium Price – What is going to the entire price of your protection be?
2. Plan Design Variations – Have a look at components like deductibles and out-of-pocket maximums.
3. 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, examine, and select what works greatest for you!