The staff at Solo Well being is offered that can assist you each step of the way in which, from the invention part by way of the plan institution course of. You possibly can attain them by way of e mail at Assist@hbgnow.com, Name/Textual content: (888) 655-4053, or you possibly can 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 appropriate well being protection for 2025 is among the most vital 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 think about 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 received you lined.
First it is best 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 advocate you head over to Solo Well being Collective for an alternate which may higher suit your wants.Â
Solo is a simplified well being plan completely created for freelancers and solopreneurs, you will want 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 price with Solo is simple!
What are the advantages of Solo Well being?
Solo is offered 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 – similar to your freelance way of life!
Our PPO plan means that you can get care in all 50 states plus protection for emergencies overseas. As a freelancer, you’ve got the liberty to journey and dwell the place you need, while you need. It is a nice function for these dwelling nomadic existence.Â
Solo presents plan members the power to create a well being plan and take management of their healthcare bills by way of an modern 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.Â
With Solo you’ll have entry to:
- Nationwide PPO Community: Solo is a PPO plan, which typically presents extra flexibility than HMOs, with bigger supplier community, out-of-network protection, and the power to see specialists with out referral.Â
- No annual frequency limitations: Chances are you’ll be aware of 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.Â
- 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 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 use pre-tax earnings to pay for medical companies. With Solo, the $2,500, and $5,000 deductible choices are HSA eligible. Freelancers Union has partnered with Full of life for HSA advantages – verify them out right here.Â
What Makes Solo Completely 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. 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.
- A self-insured plan, backed by an A+ rated reinsurer:  Our captive is backed by Odyssey Reinsurance, making certain monetary power and stability. This implies Solo’s members can have full confidence realizing that claims are lined past commonplace 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 move 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 resolution with goal recommendation. They’re an unbiased third social gathering obtainable to information you thru your choices. As a Solo member, Touchcare can assist you discover the most effective in-network suppliers, schedule appointments, resolve billing points, and extra.Â
The Freelancers Union presents many alternative choices for you, when evaluating plans it’s vital to analyze:Â
- Most Annual Premium Price – What’s going to the full price of your protection be?
- Plan Design Variations – Have 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?Â
Discover, examine, and select what works finest for you!