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indipop Essential + HSA
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Navigating the healthcare system doesn’t have to be a headache. All indipop plans include a level of service that most of our members have never known possible before indipop.
Solopreneurs, 1099’s and Small Businesses are eligible
Eligibility Requirements
- 1099 or Employer Identification Number (EIN)
- You cannot be claimed as a dependent on another person’s tax return (unless it’s your spouse) and must not have any other health coverage
- Individuals, families and groups may join this option
Explore our partnership with TrueMed for assistance with HSA services and information for HSA eligible products.
This membership is not available in Washington or North Dakota
Be advised if you live in California, New Jersey, Vermont, the District of Columbia, Massachusetts or Rhode Island, you may be subject to tax penalty, we suggest speaking with your financial planner or accountant prior to joining.
Why people love the Essential + HSA:
- Triple tax advantaged Health Saving Account
- Freedom and flexibility to pay for eligible medical expenses traditional insurance plans may not cover
- Boost your savings by using the concierge to get discounted rates
- Keep what you don’t spend and roll over to the following year
What's Included?
Preventive Care / Annual Wellness
ACA (Affordable Care Act) compliant preventive care services including:
- Annual Wellness Visit
- Well-Woman Visit
- Childhood Immunizations
- Mammograms
- Colonoscopies
Primary Care & Specialists
- Choose your provider or let the concierge team locate one for you
- Take advantage of the discounted, cash pay rate and present as a “self pay” patient
- Pay for in person primary care and specialist visits at the cash pay rate with your tax deductible, HSA contributions
Virtual Care
This membership provides access to primary care, pediatric, women’s health, specialists and behavioral health board-certified physicians on your own time, whenever and wherever.
Mental Health
LifeCare
Member Assistance Program
100% Confidential Counseling: This program provides members with a way to find help dealing with personal and work-related issues. Without this help, the issues could decrease members’ quality of life or interfere with job performance.
Services include:
Counseling: Virtual or telephonic sessions with a counselor
Personal Navigation: In all areas of work/life convenience
Access to Additional Resources: Childcare, legal, financial, support groups, housing, etc.
Elder Care and Financial: Telephonic consulting, tailored eldercare counseling & resources, plus financial wellness counseling provided by experts in their field
Online Training Library: Thousands of virtual work/life training and ability to track progress
Access to Compass: Advanced HR support and assistance in professional development
Imaging and Labs
ACA-compliant preventive labs and screenings included per the ACA for $0.
Diagnostic Imaging and Labwork
- For non-emergency needs, the virtual care providers can order the imaging and labs you need.
- Pay the discounted, self-pay rate with the assistance of the concierge who will cost and quality shop for services near you.
If the cost of these diagnostic services becomes part of a larger medical need, they will count toward your IUA.
Large Medical Needs
Expenses related to eligible medical expenses are capped at your chosen IUA (initial unshareable amount) or member responsibility.
You are responsible for no more than 3 in a 12 month period per membership. Choose between a $1,250, $2,500 or $5,000 IUA.
Example: If you choose the $1,250 IUA and you break your leg and need surgery, medical expenses total $10,000. Your cost for this medical need is capped at $1,250 – including follow up care, provider visits and physical therapy, if necessary.
TIP: If you select the $5,000 IUA, you may be saving monthly, but if your family has 3 high cost needs in a year, you could be responsible for $15,000 ($5000 X 3) out of pocket.
Emergency Room and Urgent Care
- Capped at your chosen IUA.
- Present as self pay and pay the cash pay rate. If this turns into a large medical need, the cost of that visit will apply toward your IUA.
Maternity
Expectant mothers pay a single IUA for all expenses related to their eligible maternity sharing request. Expenses eligible for sharing include those related to miscarriage, prenatal care, postnatal care, and delivery.
Pregnancy existing prior to membership is not shareable. The conception date will be confirmed by medical records.
*please ask about limitations
Open Network
For in-person primary care, specialists, urgent care and diagnostics, the concierge will direct you to a cash pay provider or, keep your provider, present as a self pay patient and pay the cash pay rate.
Cost & Quality Search Assistance
The Concierge Team researches the highest quality, fairest priced providers, diagnostics centers, labs, and medical facilities for members who are in need of these services.
RX
Find the most affordable price for your prescriptions needs through the CitizenRx discount formulary.
Health Savings Account Compatible
HSA compatible for triple tax-advantaged medical savings to be used to pay for qualified medical expenses with your tax-deductible contributions.
- In 2026, an individual can contribute up to $4,400 and a family can contribute up to $8,750 tax-deductible to their HSA.
- Growth on interest or investment is tax deductible
- Keep what you don’t use and roll the balance over to the following year in addition to your annual contribution
- Over the age of 55? See if you qualify for catch-up contributions
- See if the 1-month rule applies to you
- After age 65, HSA funds can be rolled into a retirement account
Pre-Membership
This membership limits sharing for premembership conditions.
The existence of a premembership condition does not prevent participation in the membership and is not intended to deny care.
If you or someone in your membership has a premembership condition, sharing for that condition will not be shareable in the first year of membership.
Thereafter, sharing for premembership conditions that are otherwise eligible for sharing will increase based on the members tenure as follows:
- 2nd year: $25,000
- 3rd year: $50,000
- 4th year: $125,000*
A pre-membership medical condition is any illness or injury for which a person has been:
- Examined
- Diagnosed
- taken medication
- had symptoms or,
- has a personal history of or known increased risk of conditions that may arise or worsen in pregnancy
or - received medical treatment within the 24 months prior to their membership start date.
Exclusions: High blood pressure, high cholesterol and diabetes are not considered pre-membership medical conditions as long as the member has not been hospitalized for the condition in the 24 months prior to joining, and the member is able to control the condition through medication or diet and exercise.
Please Note: pre-membership medical conditions may still qualify for sharing through the Additional Giving fund.
If you think you have a premembership condition, reach out to a member of our team to discuss the applicability of this provision.
Essential + HSA
Your Initial Unshareable Amount (IUA) is the upfront amount you’re responsible for when a high cost medical need arises. Unlike a deductible, it’s not tied to the calendar year—instead, it applies per incident and caps your cost for major medical events.
Routine services are available without needing to meet your IUA first. Once your IUA is met (up to three times per year), there’s no additional coinsurance—the community shares the rest.
Important: Always review pre-membership medical condition guidelines before enrolling.
Routine services are available without needing to meet your IUA first. Once your IUA is met (up to three times per year), there’s no additional coinsurance—the community shares the rest.
Important: Always review pre-membership medical condition guidelines before enrolling.
Select the IUA (cap on high-cost medical expenses) *rates active 2026
Similar Options
Similar Options
indipop Essential + HSA FAQ
An IUA, or initial unshareable amount, is your member responsibility for expenses related to a single eligible Medical Need. Designed to avoid costly surprise medical bills, IUAs function as caps on your out of pocket costs for eligible medical needs. You are responsible for a maximum of 3 IUA’s in a 12 month period. For many of our memberships, you have the freedom to select your IUA.
No. These month to month memberships and plans offer an alternative approach to paying for and accessing healthcare. Each membership included in our marketplace was carefully selected to meet indipop’s strict criteria. Registration for Group Plans and Individual or Family memberships is available year round – some with a same day effective date. Simply structured to provide set, transparent pricing and designed to avoid surprise medical bills – see if you are a good fit for one of our memberships.
Why choose indipop
All of our memberships feature:
- Large or open nationwide networks
- Set, transparent pricing
- No lifetime or annual caps
- Open enrollment all year long
- Portability in all 49 states and when traveling abroad
- Concierge service and medical advocates
Are indipop plans insurance?This membership does not restrict you to a network. Receive identical services in all 50 states with the doctor of your choice. As we like to say here at indipop, you have the freedom to choose who cares for you!
Unlike traditional HMO or PPO plans, these memberships provide medical advocacy teams to help coordinate your care. Need help finding a doctor? The concierge will connect you with a provider wherever you go.
The more you involve the team, the closer you'll be to zero medical bills.
Add these supplements to any plan
indipop dental and vision
Vision, dental and prescription discounts
After you cross healthcare off your list, check out our partners, they can help with offers for credit card processing to cybersecurity.
Zion HealthShare is not an insurance company. Neither this publication nor membership in Zion HealthShare are offered by an insurance company. Visit zionhealthshare.org to view your state specific notice.
