Healthshare Plans

Instead of having to search dozens of healthshares for the right one, indipop has curated the best plans with unique features to fit your budget and needs.

Here you’ll find the health plans that indipop recommends.
We personally review dozens of plans and ensure that…

All indipop Healthshare Plans Have:

  • Extraordinarily high reviews for service, ease of use and speed of care.

  • Excellent virtual medicine and care team.

  • A feature or service that makes this healthshare shine.

We have done our best to present all pertinent information for our plans here on our page for you to compare. However, if you don’t see the information you need, please reach out to us by chat, phone or email.

We are happy to help guide you to the right healthshare.

Select a Healthshare Below to Learn More

By enrolling through indipop you are getting extra guidance and perks without any extra fees!

Secure Plan

Great for you if:
To be eligible for secure you have to have an EIN or 1099
I want to use my HSA or interested in starting one
Meets ACA MEC in all 50 states

Care + Plan

Great for you if:
If you are not interested in an HSA or Preventive Care Services then Care+ is an excellent affordable option starting at $225

Great because:
Max out of pocket for individual or family is $3,000
Open network for doctor or specialist
*Additional benefits- vision/dental/mental health

Great for you if:
You have a high cost medication
You don’t go often to the doctor, but would like preventative care
* Meets ACA MEC in 48 states, not in MD and WA

Group Plan

Your team has diverse skills and needs, shouldn’t your healthcare options be the same

Secure Plan

 Monthly Contribution Starts at: 
$225/$530 individual/family

Member Responsibility Amount (MRA): 
$1,000, $2,500, or $5,000 (max 3/year)

Annual Out-of-Pocket Maximum: 
$3,000, $7,500, or $15,000

PLAN SUMMARY

Annual Sharing Maximum: None, unless restricted by pre-existing condition.

Lifetime Sharing Maximum: None, unless restricted by pre-existing condition.

Allows HSA: Yes.

Preventative Care: Yes. Provides all 64 preventative and wellness services (except for genetic testing), as outlined in the Affordable Care Act (ACA).

Primary Care Visit: 24/7 telehealth included, the team can help coordinate care.

Specialist Visit:  Counts toward MRA. Team will coordinate lowest cost care.

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Emergency Visit: You are responsible for first $1,000, which counts toward your annual MRA.

Urgent Care Visit: Free through telehealth.  

Prescription Coverage: Prescriptions for medication(s) that are billed by a provider and are related to a qualified Need are shareable. Searches six U.S Platforms, the Word Drug Market and Pharmacy Assistance programs to find the lowest costs for you.

Maternity: Two Initial Unshareable Amounts (IUA’s) are applied to a single maternity need. 

Mental Health: Yes. See plan details.

Pre-Existing Conditions: 24-month look-back: no coverage for the first 12 months; $25K 2nd year; $50K 3rd year; $125K 4th year and beyond (Exceptions for High Blood Pressure, High Cholesterol & Diabetes)

Meets ACA MEC Requirements: Yes.

Caregiver Network: PHCS

Dental: No.

Vision: No.

Plan Highlight
  • QR Lifecode: 24/7 Emergency Assistance with your Personal LifeCode allowing medical professionals instant access. You select which doctor(s) can view. 
  • Life Care: Focuses on eliminating many things that compromise productivity or quality of life. With licensed professionals for  substance abuse, ongoing depression or anxiety, financial concerns, relationship problems and more!
  • Care+ includes all the services SECURE offers except HSA and preventive care.
What to consider:
  • Out of pocket costs for specialists and doctors are your responsibility
  • Pre-existing conditions go back 24 months, but if medically managed could be eligible for sharing
  • Part of the PHCS network of doctors, check to see if your doctor is part of this group

Care+ Plan

Monthly Contribution Starts At:
 
$165/$395 individual/family

Member Responsibility Amount (MRA):
$1,000, $2,500, or $5,000 (max 3/year)

Annual Out-of-Pocket Maximum:
$3,000, $7,500, or $15,000

PLAN SUMMARY

Annual Sharing Maximum: None, unless restricted by pre-existing condition.

Lifetime Sharing Maximum: None, unless restricted by pre-existing condition.

Allows HSA: No.

Preventative Care: No.

Primary Care Visit: 24/7 telehealth included, the team can help coordinate care.

Specialist Visit:  Counts toward MRA. Team will coordinate lowest cost care.

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Emergency Visit: You are responsible for first $1,000, which counts toward your annual MRA.

Urgent Care Visit: Free through telehealth.

Prescription Coverage: Prescriptions for medication(s) that are billed by a provider and are related to a qualified Need are shareable. Searches six U.S Platforms, the Word Drug Market and Pharmacy Assistance programs to find the lowest costs for you.

Maternity: Two Initial Unshareable Amounts (or Member Responsibility Amounts) are applied to a single maternity need. Any pre-birth or post birth need of the child will be considered a separate need from the mother’s maternity care.

Mental Health: Yes. Unlimited.

Pre-Existing Conditions: 24-month look-back: no coverage for the first 12 months; $25K 2nd year; $50K 3rd year; $125K 4th year and beyond. (Exceptions for High Blood Pressure, High Cholesterol & Diabetes)

Meets ACA MEC Requirements: No.

Caregiver Network: PHCS

Dental: No.

Vision: No.

Plan Highlight

Telehealth-24/7 

Minimum Essential Coverage Plan

Provides all 64 preventative and wellness services (except for genetic testing), as outlined in the Affordable Care Act (ACA).

QR Lifecode
24/7 Emergency Assistance with your Personal LifeCode allowing medical professionals instant access. You select which doctor(s) can view. 

Life Care

Focuses on eliminating many things that compromise productivity or quality of life. Includes substance abuse, ongoing depression or anxiety, financial concerns, relationship problems and more!

If you are not a 1099 or have an EIN number check out the Care + plan starting at $175 a month.

Has everything the Secure plan offers except HSA and MEC

What to consider about this plan
  • Out of pocket costs for specialists and doctors are your responsibility
  • Pre-existing conditions go back 24 months, but if medically managed could be eligible for sharing
  • Part of the PHCS network of doctors, check to see if your doctor is part of this group
  • Does not meet the minimum requirements for MEC (Minimal Essential Coverage) or the ACA (Affordable Care Act). New Jersey, Massachusetts, Vermont, California, Rhode Island and the District of Columbia.

Monthly Contribution Starts at: 
$319/$899 individual/family

Member Responsibility Amount (MRA): 
$1,000

Annual Out-of-Pocket Maximum: 
$3,000 per family

PLAN SUMMARY

Annual Sharing Maximum: No Cap.
Lifetime Sharing Maximum: No Cap.
Allows HSA: No.
Preventative Care: Annual Adult Physical & Well Child
Primary Care Visit: $0 unlimited
Specialist Visit: Counts toward MRA 
Individual or Family: $3,000 Annual out-of-pocket Max Per Family*†

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Emergency Visit: Counts toward MRA.

Urgent Care Visit: Counts toward MRA.

Prescription Coverage: Helps to find lowest cost.

Maternity: Typical delivery and pre/post natal care is $2,000 out-of-pocket. See pg. 5 of plan details.

Mental Health: Yes. Unlimited consultations.

Pre-Existing Conditions:  12-month look back; no coverage for first 12 months; $25K 2nd year; $50K 3rd year; $125K 4th year and beyond. Exceptions for: Controlled diabetes, hypertension, high cholesterol, seasonal allergies and intermittent asthma will not be considered pre-existing when reported prior to membership effective date.

Meets ACA MEC Requirements: This program does NOT meet the minimum requirements for MEC (Minimal Essential Coverage) or the ACA (Affordable Care Act). New Jersey, Massachusetts, Vermont, California, Rhode Island and the District of Columbia have passed their own state-level individual mandate laws that mirror the Federal Affordable Care Act. 

Caregiver Network: See any doctor.

Dental: Yes. Included in plan, Save 20% to 50% on services

Vision: Yes. Reduced prices and savings.

Plan highlight
  • Vision/dental discount ups to 20-50% off services
  • Virtual mental health unlimited sessions
  • 12 chiropractic visits
  • This is the only indipop healthshare that the out of pocket costs if eligible goes towards your $3,000 max.
What to consider:
  • Does not meet the minimum requirements for MEC (Minimal Essential Coverage) or the ACA (Affordable Care Act). New Jersey, Massachusetts, Vermont, California, Rhode Island and the District of Columbia.

  • Initiate health needs with app or care logistics number for medical bills to apply to the out of pocket max. The team guides and helps coordinate cost and care with you.

Group

Under 20
In-Network* Foundation Plan

Monthly Contribution Starts at: 
$379 – $1,099/mo.

Min. Employer Contribution:
$125/employee/month

PLAN SUMMARY

Annual Sharing Maximum: No Cap.

Lifetime Sharing Maximum: No Cap.

Allows HSA: No.

Preventative Care: Included in plan is annual wellness visit with routine lab work.

Primary Care Visit: $0

Specialist Visit: $50 Copay MRI, PET, & CT Scans, Specialists

Hospital Care: Individual – $4,000 out-of-pocket max.  Family – $6,000 out-of-pocket max

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Emergency Visit: Counts toward MRA.
Urgent Care Visit: Counts toward MRA.
Prescription Coverage: Helps to find lowest cost.
Maternity: Typical delivery and pre/post natal care is $2,000 out-of-pocket. See pg. 5 of plan details.
Mental Health: Yes. Unlimited consultations.
Pre-Existing Conditions: 12-month look back; no coverage for first 12 months; $25K 2nd year; $50K 3rd year; $125K 4th year and beyond. Exceptions for: Controlled diabetes, hypertension, high cholesterol, seasonal allergies and intermittent asthma will not be considered pre-existing when reported prior to membership effective date.
Meets ACA MEC Requirements: All states except New Jersey, Massachusetts, Vermont, California, Rhode Island and the District of Columbia.
Caregiver Network: See any doctor.
Dental: Yes. Save 20% to 50% on services
Vision: Yes. Reduced prices and savings

What to consider:
  • Not included: Organ Transplant • Specialty Drugs • Dialysis • Skilled Nursing Facility
  • Additional Benefits: Employer funded HRA

Monthly Contribution Starts At: 
$275/$642 individual/family
(Based upon age. See plan details.)

Member Responsibility Amount (MRA): 
$500, $1,000, $2,500, or $5,000

Annual Out-of-Pocket Maximum: 
3X MRA for individual, 5X MRA for family

PLAN SUMMARY

Annual Sharing Maximum: $1,000,000

Lifetime Sharing Maximum: Unlimited

Allows HSA: No.

Preventative Care: Yes. $0 in-network, $100 out-of-network. Cap on some shareable amounts, see plan details.

Primary Care Visit: $0 if SHARE connected care (SHA’s virtual care system.) $50 Visit Fee with 2 visits per membership year combined with Specialist; MRA per incident after 2 visits

Specialist Visit: Requires SHARE referral. $75 Visit Fee with 2 visits per membership year combined with PCP; MRA per incident after 2 visits

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Emergency Visit: Uses MRA

Urgent Care Visit: Uses MRA

Prescription Coverage: Helps find lowest cost. Some percentage of prescription cost is shareable. See plan details.

Maternity: Maternity sharing is subject to $5,000 MRA for a normal delivery, then shareable at 100%.

Mental Health: No.

Pre-Existing Conditions: Not shareable. Look back period 24 months.

Preventive Needs Sharing: (waiting period applies) Max sharing for mammograms is $500 and colonoscopies is $1,500 Waiting Period of 3 months 6 month waiting period on colonoscopies,hypertension, high cholesterol, seasonal allergies and intermittent asthma will not be considered pre-existing when reported prior to membership effective date.

Meets ACA MEC Requirements: Everywhere but Maryland and D.C.

Caregiver Network: PHCS

Dental: Yes. Available to add on. See plan details.

Vision: Yes. Available to add on. See plan details.

Plan highlight
  • Add-on for vision and dental benefits
  • Sharx program for high cost medication
  •  Flexibility in choosing member responsibility amount for medical need
What to consider:
  • This plan does have cap on 1,000,000 Annual Sharing Maximum
  • For pre-existing conditions they look back 24 months, but if medically managed could be eligible for sharing.
  • Part of the PHCS network of doctors, check to see if your doctor is part of this group