The crew at Solo Well being is obtainable that can assist you each step of the best way, from the invention part by the plan institution course of. You may attain them through e-mail at Help@hbgnow.com, Name/Textual content: (888) 655-4053, or you possibly can choose a time and schedule a session nearly, or in-person each Wednesday on the Freelancers Hub.
As a member of Freelancers Union, securing the appropriate well being protection for 2025 is without doubt one of the most necessary choices you’ll make. With so many choices obtainable, 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 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 revolutionary different well being options, they’ve obtained you coated.
First you need to get a way of your ACA market choices and see what sort of subsidies chances are 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 another that may higher suit your wants.
Solo is a simplified well being plan completely created for freelancers and solopreneurs, you will have an EIN to get began. Just like ACA plans, there aren’t any annual or lifetime limits on advantages. Solo is just not 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 obtainable for year-round enrollment – not simply November-December. Moreover, you possibly can 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 lets you get care in all 50 states plus protection for emergencies overseas. As a freelancer, you’ve gotten the liberty to journey and stay the place you need, if you need. This can be a nice characteristic for these dwelling nomadic existence.
Solo affords plan members the power to create a well being plan and take management of their healthcare bills by an revolutionary captive framework. Not like many different personal well being plan options, Solo is a serious 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 typically affords extra flexibility than HMOs, with bigger supplier community, out-of-network protection, and the power to see specialists with out referral.
- No annual frequency limitations: You might be conversant in plans which have set limits on what number of instances you possibly can see specialists, go to the ER, and extra. With Solo you gained’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 benefit from the tax advantages of a Well being Financial savings Account (HSA), the place you should use pre-tax revenue to pay for medical companies. With Solo, the $2,500, and $5,000 deductible choices are HSA eligible. Freelancers Union has partnered with Vigorous for HSA advantages – examine them out right here.
What Makes Solo Totally different?
- Solo is just not 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. Identical to employers supply healthcare by their enterprise, you as a solo enterprise proprietor contract with Solo to ascertain a level-funded, self-insured plan.
- 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 coated past customary 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 can assist you make your choice with goal recommendation. They’re an unbiased third social gathering obtainable to information you thru your choices. As a Solo member, Touchcare may also help you discover the very best in-network suppliers, schedule appointments, resolve billing points, and extra.
The Freelancers Union affords many various choices for you, when evaluating plans it’s necessary to research:
- Most Annual Premium Price – What’s going to the entire price 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, examine, and select what works greatest for you!