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Private Health Insurance

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Available Plans (Georgia · Age 38 · Individual)

Showing 44 plans
Featured Program
GigCare by Population Science Management
ERISA self-funded group health plans · Available to independent contractors, 1099 workers & small businesses · Ages 18–64 · 4 age bands
Aetna EPO Network Aetna PPO Network BCBS Nebraska PPO + Blue Card
ℹ️ Rates shown are for Age 30–44, Individual coverage. Rates vary by age band (18–29, 30–44, 45–54, 55–64) and tier (+Spouse, +Children, Family). Subject to health underwriting via Milliman Suitability Tool. Not available in: CA, CT, HI, MD, MN, NH, OR, PA, VT, WA, WI.
Livelihood Rates — Select Your Profile:
↑ Rates update instantly across all Livelihood plans
Worker Model · GigCare PPO
Livelihood PPO $2,600
Population Science Management · Administered by Detego Health
Aetna PPO · Nationwide · In-Network + Out-of-Network
  • Deductible: $2,600 individual / $5,200 family · OON: $5,200 / $10,400
  • Coinsurance: 80% plan / 20% member in-network · 50/50 out-of-network
  • PCP $25 · Specialist $40 · Urgent Care $60 · ER: 20% after deductible
  • Telehealth: $0 via MyLiveDoc · 12 primary care + unlimited urgent care
  • Rx: Kroger Health PBM · Generic $5 retail / $20 mail · Preventive $0
Monthly Premium
Age 30–44 · Individual · Subject to underwriting
$742.61
Worker Model · GigCare PPO
Livelihood PPO $4,300
Population Science Management · Administered by Detego Health
Aetna PPO · Nationwide · In-Network + Out-of-Network
  • Deductible: $4,300 individual / $8,600 family · OON: $8,600 / $17,200
  • Coinsurance: 80% plan / 20% member in-network · 50/50 out-of-network
  • PCP $25 · Specialist $40 · Urgent Care $60 · ER: 20% after deductible
  • Telehealth: $0 via MyLiveDoc · Diabetic solutions via Diathrive Health
  • Rx: Kroger Health PBM · Generic $5 retail · ScriptAide pharma advocacy
Monthly Premium
Age 30–44 · Individual · Subject to underwriting
$673.90
Worker Model · GigCare PPO
Livelihood PPO $7,500
Population Science Management · Administered by Detego Health
Aetna PPO · Nationwide · In-Network + Out-of-Network
  • Deductible: $7,500 individual / $15,000 family · OON: $15,000 / $30,000
  • Coinsurance: 80% plan / 20% member in-network · 50/50 out-of-network
  • PCP $25 · Specialist $40 · Urgent Care $60 · ER: 20% after deductible
  • Telehealth: $0 via MyLiveDoc · Green Imaging: affordable MRI/CT access
  • Rx: Kroger Health PBM · Generic $5 retail / $20 mail · Preventive $0
Monthly Premium
Age 30–44 · Individual · Subject to underwriting
$574.29
Worker Model · GigCare EPO
Livelihood EPO $1,800
Population Science Management · Administered by Detego Health
Aetna EPO · In-Network Only · No Out-of-Network Coverage
  • Deductible: $1,800 individual / $3,600 family · OOPM: $9,200 / $18,400
  • Coinsurance: 25% member after deductible · Hospital: 25% after deductible
  • PCP $40 · Specialist $70 · Urgent Care $85 · ER: 25% after deductible
  • Telehealth: $0 unlimited via MyLiveDoc (24/7 primary, urgent, mental health)
  • Rx: Kroger Health PBM · Generic $20 retail · Specialty: not covered
Monthly Premium
Age 30–44 · Individual · Subject to underwriting
$762.18
Worker Model · GigCare EPO
Livelihood EPO $3,750
Population Science Management · Administered by Detego Health
Aetna EPO · In-Network Only · No Out-of-Network Coverage
  • Deductible: $3,750 individual / $7,500 family · OOPM: $9,200 / $18,400
  • Coinsurance: 25% member after deductible · Hospital: 25% after deductible
  • PCP $40 · Specialist $70 · Urgent Care $85 · ER: 25% after deductible
  • Telehealth: $0 via MyLiveDoc · Diabetic solutions via Diathrive Health
  • Rx: Kroger Health PBM · ScriptAide: import & patient-assistance programs
Monthly Premium
Age 30–44 · Individual · Subject to underwriting
$693.51
Worker Model · GigCare HSA PPO
Livelihood PPO $3,500 HSA HSA Eligible
Population Science Management · Aetna PPO · HDHP
Aetna PPO · Nationwide · In-Network + Out-of-Network · HSA-Eligible
  • Deductible: $3,500 individual / $7,000 family · OON: $7,000 / $14,000
  • All services: deductible + coinsurance — no separate copays (HDHP)
  • ER: 20% after deductible · Hospital: 20% after deductible · OON: 50/50
  • HSA-eligible: contribute pre-tax dollars · Telehealth: $0 via MyLiveDoc
  • Rx: Kroger Health PBM · ScriptAide pharma advocacy · Insulin programs
Monthly Premium
Age 30–44 · Individual · HSA contribution not included
$685.59
GigCare Thrive · BCBS Nebraska
Thrive by Population Science Management
BCBS Nebraska PPO + Blue Card Nationwide · PPO, EPO & HSA PPO options · Enrollment cutoff: 18th of the month · Ages 18–64
BCBS Nebraska PPO Blue Card Nationwide HSA Eligible Available
Thrive Rates — Select Your Profile:
↑ Rates update instantly across all Thrive plans
Worker Model · GigCare Thrive PPO
Thrive PPO $1,500
Population Science Management · BCBS Nebraska
BCBS Nebraska PPO + Blue Card · In-Network + Out-of-Network
  • Deductible: $1,500 / $3,000 INN · OON: $3,000 / $6,000 · OOPM: $8,500 / $17,000
  • Coinsurance: 70% plan / 30% member INN · 50/50 out-of-network
  • PCP $25 · Specialist $40 · Urgent Care $60 · ER: 30% after deductible
  • Mental Health outpatient: $25 copay · Organ transplant: covered
  • Rx: Generic 25% ($10 min) · Preferred 25% ($45 min) · Preventive 100%
Monthly Premium
Age 30–44 · Individual · Subject to underwriting
$910.77
Worker Model · GigCare Thrive PPO
Thrive PPO $2,500
Population Science Management · BCBS Nebraska
BCBS Nebraska PPO + Blue Card · In-Network + Out-of-Network
  • Deductible: $2,500 / $5,000 INN · OON: $5,000 / $10,000 · OOPM: $8,500 / $17,000
  • Coinsurance: 70% plan / 30% member INN · 50/50 out-of-network
  • PCP $25 · Specialist $40 · Urgent Care $60 · ER: 30% after deductible
  • Mental Health outpatient: $25 copay · Organ transplant: covered
  • Rx: Generic 25% ($10 min) · Preferred 25% ($45 min) · Preventive 100%
Monthly Premium
Age 30–44 · Individual · Subject to underwriting
$849.32
Worker Model · GigCare Thrive EPO
Thrive EPO $5,000
Population Science Management · BCBS Nebraska
BCBS Nebraska EPO · In-Network Only (no OON coverage)
  • Deductible: $5,000 / $10,000 INN · OOPM: $7,350 / $14,700 INN
  • Coinsurance: 70% plan / 30% member INN · In-network only
  • PCP $25 · Specialist $40 · Urgent Care $75 · ER: 30% after deductible
  • Mental Health outpatient: $25 copay · Organ transplant: covered
  • Rx: Generic 25% ($10 min) · Preferred 25% ($105 min) · Non-preferred: N/C
Monthly Premium
Age 30–44 · Individual · Subject to underwriting
$714.35
Worker Model · GigCare Thrive EPO
Thrive EPO $7,350
Population Science Management · BCBS Nebraska
BCBS Nebraska EPO · In-Network Only (no OON coverage)
  • Deductible: $7,350 / $14,700 INN · OOPM: $9,200 / $18,400 INN
  • Coinsurance: 70% plan / 30% member INN · In-network only
  • PCP $25 · Specialist $40 · Urgent Care $100 · ER: 30% after deductible
  • Mental Health outpatient: $25 copay · Organ transplant: covered
  • Rx: Generic 25% ($10 min) · Preferred 25% ($105 min) · Non-preferred: N/C
Monthly Premium
Age 30–44 · Individual · Subject to underwriting
$619.45
Worker Model · GigCare Thrive HSA PPO
Thrive PPO $5,000 HSA HSA Eligible
Population Science Management · BCBS Nebraska · HDHP
BCBS Nebraska PPO + Blue Card · In-Network + Out-of-Network
  • Deductible: $5,000 / $10,000 INN · OON: $10,000 / $20,000 · OOPM: $8,500 / $17,000
  • Coinsurance: 70% plan / 30% member INN · 50/50 OON · No copays — deductible first
  • All medical services: deductible + 30% coinsurance (including telehealth)
  • HSA-eligible: contribute pre-tax dollars · Organ transplant: covered
  • Rx: 25% coinsurance after deductible · Insulin: Generic $10 / Brand $35–$85
Monthly Premium
Age 30–44 · Individual · HSA contribution not included
$651.07
LifeX Research Corp · Captive-Insured Plans
LifeX — EPO, HSA PPO & Major Medical PPO
Cigna EPO or PHCS/Cigna PPO networks · Age-banded rates · Underwritten by Benefit Logistic Captive Insurance Co · $0 telemedicine via OurLiveDoc · Elective surgery waiting period: 90 days
Cigna EPO PHCS PPO HSA-Eligible Available
EPO Plans — Select Profile:
↑ Rates update across all EPO plans · Cigna EPO (in-network only)
LifeX · EPO · In-Network Only
LifeX EPO $500
LifeX Research Corp · Cigna EPO
Cigna EPO · In-Network Only (no OON coverage)
  • Deductible: $500 / $1,000 family · OOPM: $9,200 / $18,400
  • PCP: $50 · Specialist: $50 · Urgent Care: $50 (all after deductible)
  • Labs: $25 · X-rays: $50 · Advanced imaging: $200 · ER: $1,000 after ded
  • $0 generic Rx (retail & mail) · Brand/specialty: Patient Assistance Programs
  • $0 telemedicine (OurLiveDoc) · Preventive care: $0 · Elective Rx: $0
Monthly Premium
Ages 30–44 · Employee · Cigna EPO
$489.00
LifeX · EPO · In-Network Only
LifeX EPO $750
LifeX Research Corp · Cigna EPO
Cigna EPO · In-Network Only (no OON coverage)
  • Deductible: $750 / $1,500 family · OOPM: $9,200 / $18,400
  • PCP: $50 · Specialist: $50 · Urgent Care: $50 (all after deductible)
  • Labs: $25 · X-rays: $50 · Advanced imaging: $200 · ER: $1,000 after ded
  • $0 generic Rx (retail & mail) · Brand/specialty: Patient Assistance Programs
  • $0 telemedicine (OurLiveDoc) · Preventive care: $0 · Elective Rx: $0
Monthly Premium
Ages 30–44 · Employee · Cigna EPO
$469.00
LifeX · EPO · In-Network Only
LifeX EPO $1,000
LifeX Research Corp · Cigna EPO
Cigna EPO · In-Network Only (no OON coverage)
  • Deductible: $1,000 / $2,000 family · OOPM: $9,200 / $18,400
  • PCP: $50 · Specialist: $50 · Urgent Care: $50 (all after deductible)
  • Labs: $25 · X-rays: $50 · Advanced imaging: $200 · ER: $1,000 after ded
  • $0 generic Rx (retail & mail) · Brand/specialty: Patient Assistance Programs
  • $0 telemedicine (OurLiveDoc) · Preventive care: $0 · Maternity: $2,500 copay
Monthly Premium
Ages 30–44 · Employee · Cigna EPO
$449.00
LifeX · EPO · In-Network Only
LifeX EPO $1,500
LifeX Research Corp · Cigna EPO
Cigna EPO · In-Network Only (no OON coverage)
  • Deductible: $1,500 / $3,000 family · OOPM: $9,200 / $18,400
  • PCP: $50 · Specialist: $50 · Urgent Care: $50 (all after deductible)
  • Labs: $25 · X-rays: $50 · Advanced imaging: $200 · ER: $1,000 after ded
  • $0 generic Rx (retail & mail) · Brand/specialty: Patient Assistance Programs
  • $0 telemedicine (OurLiveDoc) · Preventive care: $0 · Lowest EPO premium tier
Monthly Premium
Ages 30–44 · Employee · Cigna EPO
$419.00
HSA PPO Plans — Select Profile:
↑ Rates update across all HSA plans · PPO in-network + out-of-network
LifeX · HSA PPO · INN + OON
LifeX HSA $3,500
LifeX Research Corp · PHCS PPO or Cigna PPO
PHCS PPO or Cigna PPO · INN 80/20 + OON 50/50
  • INN Deductible: $3,500 / $7,000 · OON: $7,000 / $14,000 · OOPM: $8,500 / $17,000
  • PCP: $40 suggested + 20% after ded · Spec: $75 · UC: $90 · Chiro: $75 (24 visits/yr)
  • Labs: $25 after ded · X-rays: $100 after ded · Advanced imaging: 20% after ded
  • Rx: $0 preventive; $10 generic; $90 preferred brand; $110 non-preferred (retail/30-day)
  • HSA-eligible HDHP · $0 telemedicine (OurLiveDoc) · Preventive: $0 no deductible
Monthly Premium
Ages 30–44 · Employee · PHCS PPO
$559.00
LifeX · HSA PPO · INN + OON
LifeX HSA $5,000
LifeX Research Corp · PHCS PPO or Cigna PPO
PHCS PPO or Cigna PPO · INN 80/20 + OON 50/50
  • INN Deductible: $5,000 / $10,000 · OON: $10,000 / $20,000 · OOPM: $8,500 / $17,000
  • PCP: $40 suggested + 20% after ded · Spec: $75 · UC: $90 · Chiro: $75 (24 visits/yr)
  • Labs: $25 after ded · X-rays: $100 after ded · Advanced imaging: 20% after ded
  • Rx: $0 preventive; $10 generic; $90 preferred brand; $110 non-preferred (retail/30-day)
  • HSA-eligible HDHP · $0 telemedicine (OurLiveDoc) · Preventive: $0 no deductible
Monthly Premium
Ages 30–44 · Employee · PHCS PPO
$542.00
LifeX · HSA PPO · INN + OON · Best Value
LifeX HSA $8,300
LifeX Research Corp · PHCS PPO or Cigna PPO
PHCS PPO or Cigna PPO · INN 80/20 + OON 50/50
  • INN Deductible: $8,300 / $16,600 · OON: $16,600 / $33,200 · OOPM: $8,500 / $17,000
  • PCP: $40 suggested + 20% after ded · Spec: $75 · UC: $90 · Chiro: $75 (24 visits/yr)
  • Labs: $25 after ded · X-rays: $100 after ded · Advanced imaging: 20% after ded
  • Rx: $0 preventive; $10 generic; $90 preferred brand; $110 non-preferred (retail/30-day)
  • Lowest HSA premium tier · $0 telemedicine (OurLiveDoc) · Preventive: $0 no deductible
Monthly Premium
Ages 30–44 · Employee · PHCS PPO
$499.00
Major Medical PPO Plans — Select Profile:
↑ Rates update across all MM plans · PPO in-network + out-of-network · 20% INN / 50% OON coinsurance
LifeX · Major Medical PPO · INN + OON
LifeX MM $1,000
LifeX Research Corp · PHCS PPO or Cigna PPO
PHCS PPO or Cigna PPO · INN 80/20 + OON 50/50
  • INN Deductible: $1,000 / $2,000 · OON: $5,000 / $10,000 · OOPM: $10,150 / $20,300
  • PCP: $25 · Specialist: $40 · Urgent Care: $60 · Chiro: $30 (24 visits/yr)
  • Labs: $25 · X-rays: $100 · Advanced imaging: 20% after ded · ER: 20% after ded
  • Rx: $0 preventive; $10 generic; $90 preferred brand; $110 non-preferred (retail/30-day)
  • Substance abuse: covered (30 days INN) · $0 telemedicine · Preventive: $0 no deductible
Monthly Premium
Ages 30–44 · Employee · PHCS PPO
$837.00
LifeX · Major Medical PPO · INN + OON
LifeX MM $2,500
LifeX Research Corp · PHCS PPO or Cigna PPO
PHCS PPO or Cigna PPO · INN 80/20 + OON 50/50
  • INN Deductible: $2,500 / $5,000 · OON: $5,000 / $10,000 · OOPM: $10,150 / $20,300
  • PCP: $25 · Specialist: $40 · Urgent Care: $60 · Chiro: $30 (24 visits/yr)
  • Labs: $25 · X-rays: $100 · Advanced imaging: 20% after ded · ER: 20% after ded
  • Rx: $0 preventive; $10 generic; $90 preferred brand; $110 non-preferred (retail/30-day)
  • Substance abuse: covered (30 days INN) · $0 telemedicine · Preventive: $0 no deductible
Monthly Premium
Ages 30–44 · Employee · PHCS PPO
$725.00
LifeX · Major Medical PPO · INN + OON
LifeX MM $3,500
LifeX Research Corp · PHCS PPO or Cigna PPO
PHCS PPO or Cigna PPO · INN 80/20 + OON 50/50
  • INN Deductible: $3,500 / $7,000 · OON: $7,000 / $14,000 · OOPM: $10,150 / $20,300
  • PCP: $25 · Specialist: $40 · Urgent Care: $60 · Chiro: $30 (24 visits/yr)
  • Labs: $25 · X-rays: $100 · Advanced imaging: 20% after ded · ER: 20% after ded
  • Rx: $0 preventive; $10 generic; $90 preferred brand; $110 non-preferred (retail/30-day)
  • Lowest MM premium tier · Substance abuse: covered · $0 telemedicine (OurLiveDoc)
Monthly Premium
Ages 30–44 · Employee · PHCS PPO
$679.00
OneHealth · ACA-Compliant Level-Funded
OneHealth — Individual & Small Group (1–50 employees)
Available all 50 states · Cigna PPO or PHCS RBP network · PHQ required · Only 2 rate increases in 6 years, both under 5%
Cigna PPO Network PHCS RBP Option HSA Plans Available
Rates quoted individually via PHQ (Personal Health Questionnaire). OneHealth uses medical underwriting — premiums reflect your actual health profile rather than community-rated pricing, typically delivering significantly lower costs for healthy individuals and groups. Available to solopreneurs, 1099 workers, and employer groups of 1–50. No participation requirements. Network choice: Cigna PPO (nationwide access) or PHCS RBP (reference-based pricing for deeper savings).
ACA-Compliant · Level-Funded
OneHealth 1,000 Classic
OneHealth · Cigna PPO or PHCS RBP · All 50 States
Cigna PPO Nationwide or PHCS RBP · In-Network + OON 60/40
  • Deductible: $1,000 / $2,000 family · Coinsurance: 80/20 · OOPM: $5,000 / $10,000
  • PCP: $20 · Specialist: $40 · Urgent Care: $40 · Chiropractic: $20
  • Rx: $15 generic / $45 preferred / $85 non-preferred · $0 telemedicine included
  • Free-standing lab & x-ray: 0% after deductible · Complex imaging: 20% after deductible
  • Virtual primary care included · Proactive large-claims support
Monthly Premium
PHQ required · Individually underwritten
Rate Varies
Quote Required
ACA-Compliant · Level-Funded
OneHealth 1,500 Classic
OneHealth · Cigna PPO or PHCS RBP · All 50 States
Cigna PPO Nationwide or PHCS RBP · In-Network + OON 60/40
  • Deductible: $1,500 / $3,000 family · Coinsurance: 80/20 · OOPM: $7,350 / $14,700
  • PCP: $30 · Specialist: $60 · Urgent Care: $80
  • Rx: $15 generic / $45 preferred / $85 non-preferred · $0 telemedicine included
  • Free-standing lab & x-ray: 0% after deductible · Complex imaging: 20% after deductible
  • Virtual primary care included · Proactive large-claims support
Monthly Premium
PHQ required · Individually underwritten
Rate Varies
Quote Required
ACA-Compliant · Level-Funded
OneHealth 2,500 Classic
OneHealth · Cigna PPO or PHCS RBP · All 50 States
Cigna PPO Nationwide or PHCS RBP · In-Network + OON 60/40
  • Deductible: $2,500 / $5,000 family · Coinsurance: 80/20 · OOPM: $7,350 / $14,700
  • PCP: $30 · Specialist: $60 · Urgent Care: $80
  • Rx: $15 generic / $45 preferred / $85 non-preferred · $0 telemedicine included
  • Free-standing lab & x-ray: 0% after deductible · Complex imaging: 20% after deductible
  • Virtual primary care included · Proactive large-claims support
Monthly Premium
PHQ required · Individually underwritten
Rate Varies
Quote Required
ACA-Compliant · Level-Funded
OneHealth 3,500 Classic
OneHealth · Cigna PPO or PHCS RBP · All 50 States
Cigna PPO Nationwide or PHCS RBP · In-Network + OON 60/40
  • Deductible: $3,500 / $7,000 family · Coinsurance: 80/20 · OOPM: $7,350 / $14,700
  • PCP: $45 · Specialist: $90 · Urgent Care: $90
  • Rx: $15 generic / $65 preferred / $100 non-preferred · $0 telemedicine included
  • Free-standing lab & x-ray: 0% after deductible · Complex imaging: 20% after deductible
  • Virtual primary care included · Proactive large-claims support
Monthly Premium
PHQ required · Individually underwritten
Rate Varies
Quote Required
ACA-Compliant · Level-Funded
OneHealth 5,000 Classic
OneHealth · Cigna PPO or PHCS RBP · All 50 States
Cigna PPO Nationwide or PHCS RBP · In-Network + OON 60/40
  • Deductible: $5,000 / $10,000 family · Coinsurance: 80/20 · OOPM: $7,350 / $14,700
  • PCP: $45 · Specialist: $90 · Urgent Care: $90
  • Rx: $15 generic / $65 preferred / $100 non-preferred · $0 telemedicine included
  • Free-standing lab & x-ray: 0% after deductible · Complex imaging: 20% after deductible
  • Virtual primary care included · Proactive large-claims support
Monthly Premium
PHQ required · Individually underwritten
Rate Varies
Quote Required
ACA-Compliant · Level-Funded · Best Value
OneHealth 7,350 Value
OneHealth · Cigna PPO or PHCS RBP · All 50 States
Cigna PPO Nationwide or PHCS RBP · In-Network + OON 50/50
  • Deductible: $7,350 / $14,700 family · 100% plan pays after deductible met (no coinsurance)
  • OOPM = Deductible · PCP: $50 · Specialist: $100 · Urgent Care: $100
  • Rx: $15 generic / $65 preferred / $100 non-preferred · $0 telemedicine included
  • Free-standing lab & x-ray: 0% after deductible · Complex imaging: 20% after deductible
  • Virtual primary care included · Lowest monthly premium in the Classic lineup
Monthly Premium
PHQ required · Individually underwritten
Rate Varies
Quote Required
ACA-Compliant · HSA-Eligible
OneHealth 3,500 HSA
OneHealth · Cigna PPO or PHCS RBP · All 50 States
Cigna PPO Nationwide or PHCS RBP · In-Network + OON 60/40
  • Deductible: $3,500 / $7,000 family · Coinsurance: 80/20 · OOPM: $6,550 / $13,100
  • All copays = 20% after deductible · Rx: $15 generic / $65 preferred / $100 non-preferred
  • HSA-eligible HDHP · $0 telemedicine included · Virtual primary care
  • Free-standing lab & x-ray: 0% after deductible · Complex imaging: 20% after deductible
  • Pair with HSA to triple-tax-advantage your healthcare spending
Monthly Premium
PHQ required · Individually underwritten
Rate Varies
Quote Required
ACA-Compliant · HSA-Eligible
OneHealth 5,000 HSA
OneHealth · Cigna PPO or PHCS RBP · All 50 States
Cigna PPO Nationwide or PHCS RBP · In-Network + OON 60/40
  • Deductible: $5,000 / $10,000 family · Coinsurance: 80/20 · OOPM: $7,350 / $14,700
  • All copays = 20% after deductible · Rx mail order: $30 / $130 / $200 (90-day)
  • HSA-eligible HDHP · $0 telemedicine included · Virtual primary care
  • Free-standing lab & x-ray: 0% after deductible · Complex imaging: 20% after deductible
  • Pair with HSA to triple-tax-advantage your healthcare spending
Monthly Premium
PHQ required · Individually underwritten
Rate Varies
Quote Required
Group Plans · Employer-Sponsored (2+ Employees)
Group Health · Union Welfare Fund
PEO4ME — Central States Joint Board (CSJB) Health & Welfare Fund
BCBS of Illinois National Network · Full bundled package · 2+ employees · Existing payroll required · 5-year avg renewal <3%
BCBS IL National PPO Medical + Dental + Vision Life + Accident Included
Full Package Rate — Select Coverage Tier:
Includes medical, dental, vision, life, accident, admin fee & $27 union dues · Groups 10+ receive custom ancillary rates
Union Welfare Fund · Group PPO
PEO4ME Group Health Plan
Central States Joint Board · BCBS of Illinois · Administered by UHES, LLC
BCBS of Illinois National Network PPO · In-Network + Emergency OON
  • Medical: $1,000 deductible · 80/20 coinsurance · $3,800 OOPM · PCP $25 · Specialist $50
  • Preventive & wellness: No charge · Mental health outpatient: $25 copay · ER: $400 + 20%
  • Rx: Express Scripts/Evernorth · Generic 10% · Brand 35% · 90-day mail order available
  • Dental (Principal): Preventive 100% · Basic 80% · Major 50% · $1K/$2K annual max
  • Vision (VSP): Exam $10 · Lenses $25 · Frames $250/24mo · Contacts $250/yr · Life: $10K
Eligibility: 2+ employees · Min. 5 enrolled · 50% participation required · CSJB union membership included ($27/mo dues) · Pre-cert required for hospital/surgery
Full Package · Monthly Rate
Employee Only · Medical + Dental + Vision + Life + Admin
$985.00
($746 H&W + $112 ancillary + $27 union + $100 admin)
Group Plan · What's Included
Why PEO4ME for Your Group?
Program Overview · Eligibility & Key Features
One bundled rate covers the full benefits package
  • Single carrier simplicity: BCBS IL medical, Principal dental, VSP vision — one monthly bill
  • 5-year average renewal less than 3% — highly stable group pricing
  • Waived employees pay only $37/mo (life insurance + union dues)
  • EASE enrollment platform — digital onboarding for employer & employees
  • Enrollment timeline: census by 5th → approval by 10th → effective 1st of next month
To get a quote: Submit employee census to info@peo4me.com · All groups quoted with Principal for ancillary · Groups 10+ receive custom lower ancillary rates
Waived Employee Rate
Employees who waive medical coverage
$37.00
Amalgamated Local 426 · Taft-Hartley Welfare Fund · Powered by CapCare
Local 426 / CapCare — 10 Plan Options · All Sizes Including Sole Props & 1099
BCBS/Anthem National PPO · No age rating · No census needed · No pre-existing limitations · Rates locked through 12/31/2026 · $36/mo union dues included
BCBS/Anthem PPO BlueCard National HSA Option Available
Select Coverage Tier — Rates Update Across All 10 Plans: No age factor · Nationwide rates · Associate membership required · Auto accident NOT covered (rider available)
Union Welfare · Option 9 · Flagship
Local 426 ASO Plan
Amalgamated Local 426 · BCBS/Anthem · CapCare
BCBS/Anthem BlueCard PPO · In-Network + OON (ded $1,500/$3,750 · 70%)
  • $0 deductible · 100% plan coverage (no coinsurance) · In-network only OOPM N/A
  • PCP: $25 · Specialist: $25 · UC: $25 · ER: $100 · Hospital: $250 copay
  • Outpatient surgery: $100 copay · Imaging: $50 copay (office) / $100 (hospital)
  • Rx: $10 generic / $35 brand / $45 non-preferred · Specialty: Healthcare Advantage PAP
Monthly Rate
Employee Only · Incl. $36 union dues
$1,326.00
Union Welfare · Option 8
Local 426 Gold Plan
Amalgamated Local 426 · BCBS/Anthem · CapCare
BCBS/Anthem BlueCard PPO · In-Network + OON (ded $200/$500 · 60%)
  • $0 deductible · 80/20 coinsurance · OOPM: $7,350 / $14,700
  • Most services: 20% after deductible · PCP, Spec, UC, ER: 20% after ded
  • Hospital inpatient: 20% after ded · Outpatient surgery: 20% after ded
  • Rx: $10 generic / $35 brand / $75 non-preferred · Specialty: PAP available
Monthly Rate
Employee Only · Incl. $36 union dues
$1,247.00
Union Welfare · Option 7
Local 426 Liberty Plan
Amalgamated Local 426 · BCBS/Anthem · CapCare
BCBS/Anthem BlueCard PPO · In-Network (no OON benefit listed)
  • $0 deductible · 100% plan pays after copays · OOPM: $5,350 / $10,700
  • PCP: $30 · Specialist: $50 · UC: $30 · ER: $150
  • Hospital: $500/day (max $1,000) · Outpatient surgery: $150 copay
  • Rx: $15/$35/$75 after $100/$300 Rx deductible · Specialty: PAP available
Monthly Rate
Employee Only · Incl. $36 union dues
$1,159.00
Union Welfare · Option 6
Local 426 Gold 1000
Amalgamated Local 426 · BCBS/Anthem · CapCare
BCBS/Anthem BlueCard PPO · In-Network + OON (ded $7,500/$15,000)
  • Deductible: $1,000 / $2,000 · 80/20 coinsurance · OOPM: $9,100 / $18,200
  • PCP: $40 · Specialist: $40 · UC: $80 · ER: $350
  • Hospital: Ded + $500/day max $1,000 · Outpatient surgery: $150 copay
  • Rx: $15/$35/$75 after $100/$300 Rx deductible · Specialty: PAP available
Monthly Rate
Employee Only · Incl. $36 union dues
$1,144.00
Union Welfare · Option 5
Local 426 Blue Liberty 1500
Amalgamated Local 426 · BCBS/Anthem · CapCare
BCBS/Anthem BlueCard PPO · In-Network + OON (ded $2,500/$5,000)
  • Deductible: $1,500 / $3,000 · 100% after ded · OOPM: $5,350 / $10,700
  • PCP: $30 · Specialist: $55 · UC: Ded + $30 then 100%
  • Hospital: 20% after ded · Outpatient surgery: 20% after ded
  • Rx: $10/$35/$45 generic/brand/non-preferred · Specialty: PAP available
Monthly Rate
Employee Only · Incl. $36 union dues
$1,050.00
Union Welfare · Option 4
Local 426 Silver 2500
Amalgamated Local 426 · BCBS/Anthem · CapCare
BCBS/Anthem BlueCard PPO · In-Network + OON (ded $5,000/$15,000 · 50%)
  • Deductible: $2,500 / $7,500 · 80/20 coinsurance · OOPM: $9,100 / $18,200
  • PCP: $30 · Specialist: $30 · UC: 20% after ded · ER: $200
  • Hospital: 20% after ded · Outpatient surgery: 20% after ded
  • Rx: $10/$35/$45 generic/brand/non-preferred · Specialty: PAP available
Monthly Rate
Employee Only · Incl. $36 union dues
$1,030.00
Union Welfare · Option 3
Local 426 Bronze Plan
Amalgamated Local 426 · BCBS/Anthem · CapCare
BCBS/Anthem BlueCard PPO · In-Network + OON (ded $2,500/$5,000 · 50%)
  • $0 deductible · 60/40 coinsurance (first-dollar, member pays 40%) · OOPM: $7,350 / $14,700
  • All services: 40% after deductible · PCP, Spec, UC, ER, Hospital: 40%
  • Outpatient surgery: 40% after ded · Imaging: 40% after ded
  • Rx: $10/$50/$100 + 40% coinsurance after ded · Specialty: PAP available
Monthly Rate
Employee Only · Incl. $36 union dues
$933.00
Union Welfare · Option 2
Local 426 4000 Bronze
Amalgamated Local 426 · BCBS/Anthem · CapCare
BCBS/Anthem BlueCard PPO · In-Network + OON (ded $5,000/$15,000 · 50%)
  • Deductible: $4,000 / $10,000 · 80/20 coinsurance · OOPM: $9,100 / $18,200
  • PCP: $45 · Specialist: $45 · UC: $80 · ER: $350
  • Hospital: 20% after ded · Outpatient surgery: 20% after ded
  • Rx: $10/$50/$75 generic/brand/non-preferred · Specialty: PAP available
Monthly Rate
Employee Only · Incl. $36 union dues
$917.00
Union Welfare · Option 1 · Entry Level
Local 426 Base Plan
Amalgamated Local 426 · BCBS/Anthem · CapCare
BCBS/Anthem BlueCard PPO · In-Network (no OON benefit)
  • Deductible: $3,000 / $6,000 · 50/50 coinsurance · OOPM: $5,350 / $10,700
  • All services: 50% after deductible · PCP, Spec, UC, ER, Hospital: 50%
  • Outpatient surgery: 50% after ded · Imaging: 50% after ded
  • Rx: $10/$50/$75 generic/brand/non-preferred · Specialty: PAP available
Monthly Rate
Employee Only · Incl. $36 union dues
$783.00
Union Welfare · Option 10 · HSA-Eligible
Local 426 HSA $6,000
Amalgamated Local 426 · BCBS/Anthem · CapCare
BCBS/Anthem BlueCard PPO · In-Network (no OON benefit)
  • Deductible: $6,000 / $12,000 · 70/30 coinsurance · OOPM: $8,300 / $16,600
  • All services: 30% after deductible · PCP, Spec, UC, ER, Hospital: 30%
  • HSA-eligible HDHP · Rx: 30% after deductible · Specialty: PAP available
  • Lowest monthly premium in the Local 426 lineup · Pair with HSA for triple tax benefit
Monthly Rate
Employee Only · Incl. $36 union dues
$759.00
Local 947 HWF · IBSWU AFL-CIO · Taft-Hartley Welfare Fund
Local 947 — Northwell Direct + Anthem BCBS · 2-Tier Plan
Tier 1: Northwell Health (NY Tri-State, lower ded) · Tier 2: Anthem BCBS (Nationwide) · All employer sizes · PHQ required · $50/mo dues included
Tier 1: Northwell Direct Tier 2: Anthem BCBS Lower Ded via Northwell
Select Coverage Tier — Rates Update Across All 3 Plans: No age rating · PHQ required for underwriting · Enroll any 1st of month · Dom Maggiore: (631) 905-6555 · Kings Park, NY
Union Welfare · Ultra Plan · Best Coverage
Local 947 Ultra Plan
Local 947 HWF · Northwell Direct (T1) + Anthem BCBS (T2)
Tier 1: Northwell Direct (NY Tri-State) · Tier 2: Anthem BCBS Nationwide · OON available
  • T1 Deductible: $0/$0 · T2 Deductible: $500/$2,000 · MOOP: $6,000/$18,200
  • T1: PCP $25 · Spec $40 · UC $50 · ER $600 · Outpatient/IP: $500 copay
  • T2: PCP $35 · Spec $50 · UC $75 · ER $600 · Outpatient: Ded then $1,000
  • Diagnostics T1: Minor $40 / Radiology $50 · Complex imaging: $400 T1 · PT/ST/OT: $40 T1
Monthly Rate
Employee Only · Incl. $50 union dues
$865.00
Union Welfare · 3K Plan · Best Balance
Local 947 3K Plan
Local 947 HWF · Northwell Direct (T1) + Anthem BCBS (T2)
Tier 1: Northwell Direct (NY Tri-State) · Tier 2: Anthem BCBS Nationwide · OON available
  • T1 Deductible: $2,000/$4,000 · T2: $3,000/$6,000 · OON: $6,000/$12,000 · MOOP: $7,500/$18,200
  • T1: PCP $35 · Spec $45 · UC $75 · ER Ded+$800 · IP/Outpatient: Ded+$700
  • T2: PCP $45 · Spec $55 · UC $95 · ER Ded+$800 · IP/Outpatient: Ded+$1,000
  • Chemo: 80% T1 / 70% T2 / 60% OON · Complex imaging: Ded+$600 T1 · PT/ST/OT: Ded+$55 T1
Monthly Rate
Employee Only · Incl. $50 union dues
$839.00
Union Welfare · 6K Plan · Best Value
Local 947 6K Plan
Local 947 HWF · Northwell Direct (T1) + Anthem BCBS (T2)
Tier 1: Northwell Direct (NY Tri-State) · Tier 2: Anthem BCBS Nationwide · OON available
  • T1 Deductible: $5,000/$10,000 · T2: $6,000/$12,000 · OON: $9,200/$18,200 · MOOP: $9,200/$18,200
  • T1: PCP $40 · Spec $65 · UC $95 · Most services: 80% coinsurance after ded
  • T2: PCP $45 · Spec $75 · UC $125 · Most services: 70% coinsurance after ded · OON: 50%
  • Lowest premium in Local 947 lineup · PT/ST/OT: Ded+$65 T1 / Ded+$75 T2
Monthly Rate
Employee Only · Incl. $50 union dues
$806.00
GigCare plans are ERISA self-funded group health benefit plans administered by Detego Health LLC. Members participate as Working Owners (Consumer Data Respondents) of Population Science Management.
Enrollment cutoffs: 18th of the month for Thrive (BCBS Nebraska) · 23rd of the month for Livelihood (Aetna). Not available in CA, CT, HI, MD, MN, NH, OR, PA, VT, WA, WI.
Member support: 866-815-6001 · detegohealth.com · Broker support: Iron Health Benefits · ironhealthbenefits.com · 855-459-1113
PEO4ME group plans: CSJB union welfare fund · Existing payroll required · Min. 5 enrolled · Submit groups: info@peo4me.com · Fund office: 312-738-0822
LifeX Research Corp: Plans underwritten by Benefit Logistic Captive Insurance Co, Inc NAIC #17633. Not underwritten by Cigna or PHCS. Elective surgery not covered during first 90 days. Pre-certification required for imaging, inpatient, outpatient surgery, and other services. Telemedicine through OurLiveDoc only (940-548-3362). Rx via ProAct (1-877-635-9545).
OneHealth: ACA-compliant level-funded plans · Available all 50 states · Medical underwriting via PHQ required · Individual + small group (1–50 employees) · Network options: Cigna PPO or PHCS RBP · No participation requirements · Knock-out conditions include upcoming surgeries, active major illnesses, current pregnancy, high BMI, high Rx utilization
Local 426 / CapCare: Amalgamated Local 426 Taft-Hartley multi-employer welfare fund · Administered by CapCare · Claims processed by Anthem BCBS · Monthly rates include $36 member dues · Open to sole proprietors, 1099 workers, and small groups of all sizes · Fund office: CapCare · Network: Anthem BCBS PPO
Local 947 / Northwell-BCBS: IATSE Local 947 Taft-Hartley multi-employer welfare fund · Monthly rates include $50 member dues · Tier 1 network: Northwell Health · Tier 2 network: Anthem BCBS PPO · Open to individuals, solopreneurs, and small groups · Fund administration via IATSE Local 947 Welfare Fund
Marketplace › Health Questionnaire

🏥 Health Questionnaire

Your answers help us match you with plans you qualify for. All information is encrypted and HIPAA-protected.

🔒
HIPAA-Protected Information — Your responses are encrypted in transit (TLS 1.3) and at rest (AES-256). This information is used solely to determine plan eligibility and will not be shared with any health plan until you authorize enrollment.
11 Required Health Disclosure Questions Answer for yourself, your spouse, and all dependents being enrolled · PSM GigCare Underwriting

⚠ Disclaimer: If the account holder, their spouse, or any dependents answer "Yes" to any of these questions, they will not be eligible for coverage under the GigCare plan selected.

Q1 Has the prospective client or any of his/her dependents been under a doctor's care currently or within the past five years for any of the following conditions: cancer, heart disease (including bypass), heart attack, heart surgery, or stroke?
Q2 Has the prospective client or any of his/her dependents applying for coverage been home-bound, incapacitated, or incapable of self-support due to a medical condition within the past five years?
Q3 Has the prospective client or any of his/her dependents applying for coverage been under a doctor's care currently or within the past five years for an autoimmune or blood disease (e.g., lupus, MS, anemia, AIDS, HIV, hemophilia, or Crohn's)?
Q4 Has the prospective client or any of his/her dependents been under a doctor's care currently or within the past five years for organ failure or an organ transplant involving the kidney, liver, lung, or heart, or for any form of organ support (e.g., dialysis)?
Q5 Is the prospective client or any of his/her dependents applying for coverage currently pregnant or expecting?
Q6 Is the prospective client or any of his/her dependents currently receiving treatment for a condition that required hospitalization within the past five years?
Q7 Has the prospective client or any of his/her dependents been under a doctor's care currently or within the past five years for a respiratory disorder, such as emphysema, chronic bronchitis, COPD, or chronic pneumonia?
Q8 Has the prospective client or any of his/her dependents been under a doctor's care currently or within the past five years for a musculoskeletal disorder, such as back disorders, muscular dystrophy, cerebral palsy, dermatomyositis, compartment syndrome, sciatica, or osteoporosis?
Q9 Has the prospective client or any of his/her dependents been under a doctor's care currently or within the past five years for alcohol or substance abuse or dependency?
Q10 Has the prospective client or any of his/her dependents been under a doctor's care currently or within the past five years for Type 1 diabetes, required insulin on a semi-regular or regular basis, or been under the care of a health care professional for any diabetes-related conditions?
Q11 Has the prospective client or any of his/her dependents been under a doctor's care currently or within the past five years for a previous major surgery, or have an upcoming planned surgery?
Signature & Authorization

By signing above, I authorize Open-Benefits.ai to collect and use this health information for the sole purpose of determining my eligibility for the health plans listed on this platform. I understand this information is protected under HIPAA and will not be shared without my explicit consent.

🔒 End-to-end encrypted · HIPAA-compliant · You can delete your data at any time

Marketplace › Questionnaire › Plan Matching

🎯 Your Plan Matches

Based on your health questionnaire, here are the plans you qualify for — ranked by match strength.

⚠️

Questionnaire complete — eligibility review required

Question 4 answered "Yes" (kidney disease — CKD Stage 2). Under PSM GigCare underwriting guidelines, a "Yes" on any of the 11 required questions may affect eligibility. A licensed broker will review your case. Please consult with an Iron Health Benefits broker before proceeding.

📋 Next Step — Milliman Suitability Review: Your responses are being submitted through the HIPAA-authorized Milliman Suitability Tool. A broker from Iron Health Benefits will receive your assessment and contact you with available plan options. Questions? Call 855-459-1113 or email Info@IronHealthBenefits.com
Plans Potentially Eligible — Pending Broker Review 3
Livelihood PPO $4,300
GigCare · Aetna PPO · Nationwide · PCP $25 / Specialist $40 / $673.90/mo (age 30–44 individual)
Pending Review
$673.90/mo
Livelihood PPO $7,500
GigCare · Aetna PPO · Nationwide · PCP $25 / Specialist $40 / Lowest PPO premium
Pending Review
$574.29/mo
Livelihood EPO $6,500 HSA
GigCare · Aetna EPO · HSA-Eligible HDHP · In-Network only · 25% after deductible
Pending Review
$613.50/mo
May Require Additional Review 2
Livelihood PPO $2,600
GigCare · Aetna PPO · Q4 flagged — broker to confirm eligibility / exclusion rider options
⚠ Broker Review
$742.61/mo
Livelihood EPO $3,750
GigCare · Aetna EPO · Q4 flagged — EPO plans have additional organ-related underwriting considerations
⚠ Broker Review
$693.51/mo
Not Eligible Based on Disclosure 1
Livelihood EPO $1,800
Declined: EPO $1,800 tier requires clean underwriting on all organ-related questions (Q4). Kidney disease within 5 years disqualifies under this tier's underwriting standards.
✗ Not Eligible
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🤝 Speak with a Licensed Broker: Iron Health Benefits is the exclusive sales & support partner for PSM GigCare plans. A broker can walk you through your eligibility options, explain the Milliman Suitability Tool process, and help you select the right plan.
Phone: 855-459-1113  |  Email: Info@IronHealthBenefits.com  |  Web: ironhealthbenefits.com
Marketplace › Questionnaire › Plan Matching › Enrollment

📋 Enrollment Application

Enrolling in: Livelihood PPO $4,300 — GigCare · Aetna PPO Network · $673.90/mo (Age 30–44, Individual) · Administered by Detego Health

1Profile
2Health Qs
3Enrollment
4Review
5Submit

👤 Primary Applicant

🔒Tokenized · Never stored in plaintext

🏠 Home Address

👨‍👩‍👧 Dependents

Dependent 1 — Spouse / Domestic Partner

🔒Encrypted

Dependent 2 — Child

🔒Encrypted
📤 How your enrollment data will be delivered — Livelihood PPO $4,300 PSM GigCare enrollment data is processed through the e123 enrollment platform used exclusively by Iron Health Benefits. Your data will be exported in the required format and transmitted securely to Detego Health (TPA) and Population Science Management. Enrollment cutoff: 23rd of the month for coverage effective the 1st of the following month.
e123 Platform Export AES-256 Encrypted HIPAA BAA Covered TLS 1.3 In Transit Audit Logged
After enrollment: Expect a Welcome Email from Detego Health within 4–7 business days with your Member ID card, Covered365 app access, and pharmacy benefit information. Member services: 866-815-6001 (Mon–Fri 7:30AM–6:00PM CST) · detegohealth.com

🔒 Your data is encrypted end-to-end · HIPAA-compliant · SSNs are tokenized and never stored in plaintext
By submitting, you authorize Open-Benefits.ai to transmit your enrollment data to Population Science Management, Detego Health LLC (TPA), and Iron Health Benefits in accordance with our Privacy Policy, Notice of Privacy Practices, and your HIPAA Authorization to Use and Disclose Protected Health Information.

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