Let’s be actual: discovering medical insurance as a freelancer or Solopreneur is usually a wrestle.
I’ve been self-employed for six years, and each single yr throughout open enrollment, I’m going by means of the identical exhausting course of. I spend hours on {the marketplace} evaluating plans I don’t perceive, calculating whether or not a Bronze plan with a $7,000 deductible or a Silver plan with a $5,000 deductible makes extra sense, and finally selecting the “least unhealthy” possibility that also prices method an excessive amount of.
After which there’s the nervousness. What if I get sick? What if I would like surgical procedure? Will my plan really cowl it, or will I uncover some obscure clause that leaves me with a $20,000 invoice?
If this sounds acquainted, you’re not alone. Medical health insurance is constantly ranked as one of many prime challenges for self-employed people. The choices out there—market plans, short-term protection, restricted plans—all include important drawbacks.
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That’s why I used to be genuinely intrigued after I heard about Solo Well being Collective.
Solo guarantees one thing totally different: a well being plan constructed particularly for Solopreneurs and freelancers, with clear pricing, nationwide protection, decrease prices than conventional insurance coverage, and no complicated coinsurance or hidden charges. It sounds virtually too good to be true.
So I frolicked digging into Solo—speaking to their group, reviewing their plans, and evaluating prices to conventional insurance coverage. On this assessment, I’m sharing every thing I discovered about whether or not Solo is the well being plan breakthrough freelancers have been ready for.
Brief Reply: Ought to You Attempt Solo Well being Collective?
Don’t have time for the complete assessment? Right here’s my fast take:
YES: In case you’re a self-employed freelancer with an EIN, you’re usually wholesome, and also you’re annoyed with costly market plans. Solo typically prices considerably lower than conventional insurance coverage whereas offering substantial protection and glorious help. Positively price getting a free quote.
PROBABLY NOT: You probably have important pre-existing situations, or in case you’re employed part-time by an organization that gives advantages. Solo is particularly designed for really self-employed people.
What Is Solo Well being Collective?
Solo Well being Collective
Solo Well being Collective is a well being plan resolution designed solely for self-employed people working as a “enterprise of 1.” In contrast to conventional insurance coverage or market plans, Solo makes use of a captive insurance coverage mannequin that creates a group of Solopreneurs who collectively share healthcare prices. It gives complete protection by means of a nationwide PPO community with over 1.4 million suppliers, clear pricing, tax-deductible premiums, and concierge help—all with out the complexity and excessive prices typical of conventional medical insurance.
Why we like Solo Well being Collective ‣
Solo Well being Collective stands out as a result of it’s constructed particularly for freelancers and solopreneurs who’re fed up with overpriced, complicated market insurance coverage. As a substitute of opaque premiums and countless superb print, SOLO gives clear pricing, easy plan constructions the place the deductible equals the out-of-pocket most, and nationwide PPO entry with over 1.4 million suppliers. We particularly like that preventive care is roofed 100%, premiums are tax-deductible as a enterprise expense, and members get actual human concierge help by way of textual content, cellphone, or electronic mail. For usually wholesome self-employed people with an EIN, SOLO constantly delivers significant value financial savings—typically 30–50% lower than conventional plans—whereas offering clearer protection, higher service, and adaptability that truly suits freelance life.
Solo Well being Collective Execs & Cons ‣
Execs:
- Considerably decrease prices than most market plans (typically 30-50% much less)
- Easy, clear pricing with no hidden charges or complicated coinsurance
- Your deductible equals your out-of-pocket most (enormous simplification)
- Preventive care coated 100% earlier than and after assembly deductible
- Nationwide PPO community (1.4M+ suppliers throughout all 50 states)
- No open enrollment interval—be part of anytime
- Tax-deductible as a enterprise expense
- HSA-eligible plan choices ($2,500 and $5,000 deductible plans)
- Distinctive concierge help (name, textual content, electronic mail, or schedule consultations)
- Consists of health perks (32 month-to-month FitOn credit, $100+ worth)
- Constructed by a family-owned enterprise that prioritizes private service
Cons:
- Requires you to be self-employed with an EIN (not for everybody)
- Well being questionnaire required—not assured approval
- Will not be very best for these with important pre-existing situations
- Requires energetic participation in managing your healthcare
- Not out there in case you have workers
- Comparatively new firm (much less established than conventional insurers)
The Healthcare Headache for Self-Employed Folks
Earlier than diving into Solo, let’s discuss why medical insurance is such a headache for freelancers & Solopreneurs within the first place.
Once you work for a corporation, medical insurance is straightforward. Your employer negotiates with insurance coverage firms, secures group charges, typically pays a good portion of your premium, and handles all of the paperwork. You simply decide a plan and present as much as the physician.
Once you’re self-employed? You’re by yourself.
The Conventional Choices (And Why They Could Fall Brief)
That’s to not say there aren’t choices for Solopreneurs and freelancers. However lots of them fall wanting the “very best” situation. Let’s check out some widespread present choices:
A. Market Plans (ACA/Obamacare): These are the plans you discover on healthcare.gov or your state change. They arrive in Bronze, Silver, Gold, and Platinum tiers.
The issues:
- Costly premiums: With out employer subsidies, you’re paying $400-800+ monthly for particular person protection
- Excessive deductibles: Even “good” plans typically have $3,000-6,000 deductibles
- Complicated value constructions: Copays, coinsurance, out-of-pocket maximums—it’s designed to confuse you
- Rising prices: State market premiums elevated by a mean of 26% this yr; Much more in case you misplaced your subsidy, like many people did.
- Restricted networks: Many plans prohibit you to particular suppliers and penalize out-of-network care
B. Brief-Time period Plans: These are short-term protection choices, normally lasting 3-12 months. Plans like MEC (Minimal Important Protection), for instance.
The issues:

- Don’t cowl pre-existing situations: You probably have any ongoing well being points, you’re out of luck
- Exclude important advantages: Many don’t cowl prescriptions, psychological well being, or maternity care
- Not ACA-compliant: They’re designed to be low cost, not complete
- Go away you weak: If one thing severe occurs, you might be financially ruined
C: Restricted Plans: These cowl solely particular providers, like emergency care or preventive visits.
The issues:
- Main gaps in protection: Hospital stays, surgical procedures, and severe diseases typically aren’t coated
- False sense of safety: You suppose you’re protected till you really want care
- Excessive out-of-pocket prices: When one thing isn’t coated, you pay 100% your self
The fact is that none of those choices had been designed with self-employed individuals in thoughts. They’re both too costly, too restricted, or too dangerous.
That’s the issue Solo is fixing for Solopreneurs, freelancers, and self-employed individuals like us.
How Solo Well being Collective Truly Works
Solo makes use of a totally totally different method known as a captive insurance coverage mannequin.
Right here’s what which means in plain English:
As a substitute of being simply one other particular person shopping for insurance coverage from a large company, you turn into a part of a collective—a group of self-employed people who pool sources to fund healthcare prices collectively.
Consider it like this: Giant firms can negotiate higher medical insurance charges as a result of they’ve lots of or 1000’s of workers. Solo primarily creates that very same shopping for energy for Solopreneurs by bringing collectively many “companies of 1” underneath a single self-funded well being plan.
The Key Distinction
Right here’s the most important key distinction between conventional insurance coverage and Solo:
Conventional insurance coverage: You pay premiums to an insurance coverage firm. That firm decides what’s coated, how a lot suppliers are paid, and the way claims are dealt with. Their purpose is revenue, which regularly means denying claims or limiting protection.
Solo’s mannequin: You and different members collectively personal the captive and fund the well being plan. Everybody has a stake in holding prices cheap, which implies the main target is on getting high quality care at truthful costs—not maximizing insurance coverage firm income.
This construction permits Solo to:
- Negotiate higher charges with suppliers by means of reference-based pricing
- Remove pointless administrative prices
- Move financial savings on to members
- Present clear pricing with out hidden charges
It’s the distinction between being on the mercy of a faceless company versus being a part of a group with shared pursuits.

What You Truly Get with Solo
Let me break down precisely what Solo membership consists of:
Nationwide PPO Community
Solo makes use of the MultiPlan PHCS community, which incorporates over 1.4 million suppliers throughout all 50 states.
That is enormous. You’re not restricted to a slender community or penalized for going out of community. Whether or not you’re house or touring, you may have entry to high quality suppliers anyplace within the nation.
I checked my physician towards the PHCS community, and he’s in-network. That’s a large reduction in comparison with my present market plan, which generally excludes suppliers.

Three Easy Plan Choices
Solo gives three deductible ranges, and that’s it. No complicated tiers, no shock charges:
- V2500 Plan: $2,500 deductible (HSA-eligible)
- V5000 Plan: $5,000 deductible (HSA-eligible)
- V10000 Plan: $10,000 deductible
Right here’s what makes this sensible: Your deductible equals your out-of-pocket most for coated providers.
With conventional insurance coverage, you may need a $3,000 deductible AND an $8,000 out-of-pocket most, which means you might probably pay as much as $8,000 earlier than insurance coverage covers every thing. With Solo, when you hit your deductible, coated providers are paid at 100%. Executed.
This simplification alone eliminates a lot confusion and nervousness.

Preventive Care Coated 100%
All preventive care is roofed at 100% earlier than and after you meet your deductible. This consists of:
- Annual bodily exams
- Routine screenings (mammograms, colonoscopies, blood work) based mostly on age/gender
- Immunizations
- Preventive medicines
That is precisely how medical insurance ought to work—encouraging you to remain wholesome and catch issues early, moderately than making you keep away from the physician due to value.
Pharmacy Advantages
After you meet your deductible, prescriptions are coated with a tiered copay construction:
- Tier 1 (Generic): Decrease copay
- Tier 2 (Most popular Model): Medium copay
- Tier 3 (Non-Most popular Model): Greater copay
- Tier 4 (Specialty): Highest copay
You’ll be able to verify precisely what your medicines will value on Solo’s web site earlier than enrolling—no surprises.
Household Protection
Solo isn’t only for people. You’ll be able to cowl your partner and dependents underneath your plan, which is essential for freelancers with households.
The pricing is clear for household protection, and also you’re all coated underneath the identical deductible and out-of-pocket most construction.
HSA Compatibility
The V2500 and V5000 plans are HSA-eligible, which means you possibly can contribute to a Well being Financial savings Account and get the triple tax profit:
- Contributions are tax-deductible
- Development is tax-free
- Withdrawals for medical bills are tax-free
For self-employed people, HSAs are probably the greatest tax benefits out there. The truth that Solo’s plans are HSA-compatible is a serious profit.
Tax Deductibility
As a result of Solo is structured as a enterprise expense, your premiums are tax-deductible. That is large for freelancers.
Let’s say your Solo premium is $400/month ($4,800/yr). In case you’re within the 24% tax bracket, that deduction saves you about $1,152 in taxes yearly. Your efficient premium value is basically solely $3,648/yr, or $304/month.
(In fact, seek the advice of your CPA to substantiate how this works to your particular scenario, however that is usually the way it works for self-employed people.)
Concierge Help
This is likely to be my favourite function. Solo gives a devoted concierge help group that you could attain by way of:
- Telephone
- Textual content
- E mail
- Scheduled consultations
No extra ready on maintain for 45 minutes with a conventional insurance coverage firm. No extra automated cellphone bushes. Simply actual people who really enable you to.
The concierge group helps with:
- Understanding your advantages
- Discovering in-network suppliers
- Navigating claims
- Getting value estimates for procedures
- Answering questions on protection
A number of freelancers I spoke with stated the concierge help alone makes Solo price it. One informed me: “I texted them a query about whether or not bodily remedy was coated, and acquired an in depth response inside 20 minutes. With my previous insurance coverage, that may have taken three cellphone calls and per week.”
Health Perks
Each Solo member will get 32 month-to-month FitOn credit (valued at $100+), which you should utilize for health courses, exercises, and wellness content material.
This would possibly seem to be a small add-on, nevertheless it reinforces Solo’s philosophy: more healthy members imply decrease collective prices, in order that they incentivize staying energetic and taking good care of your self.
Who Can Truly Be part of Solo?
Solo isn’t for everybody. There are particular necessities:
You Should Be Self-Employed
This implies you run your individual enterprise as a freelancer, advisor, contractor, or Solopreneur. You can not have any benefit-eligible W2 workers.
In case you work part-time for a corporation that gives well being advantages, you’re not eligible. You probably have a facet hustle but additionally have a full-time job with employer insurance coverage, you don’t qualify.
Solo is designed solely for people who find themselves really self-employed as their major earnings.
You Want a Federal Tax ID (EIN)
You will need to have an Employer Identification Quantity from the IRS. This proves you’re working as a authentic enterprise.
In case you don’t have an EIN, you may get one without cost from the IRS web site in about 10 minutes. You’ll must have a enterprise construction (sole proprietorship, LLC, S-Corp, and many others.), however that is one thing most severe freelancers ought to have anyway. In truth, you’re a sole proprietor simply by being alive and in-business.
You Should Move a Well being Questionnaire
Solo requires you to finish a short well being questionnaire. That is used to find out eligibility and pricing.
The questionnaire asks about:
- Present well being standing
- Sure Pre-existing situations
- Medicines
- Current medical procedures
Right here’s the fact: Solo is designed for usually wholesome people. You probably have important ongoing well being points or require in depth specialised care, you may not be authorized. Nonetheless, Solo acknowledges that sure well being points aren’t black and white, so if you want to submit for an exception, schedule time with their group after you full the questionnaire.
This isn’t very best for some, nevertheless it’s how Solo retains prices decrease for the collective. Conventional insurance coverage has to just accept everybody no matter well being standing (because of the ACA), which is why premiums are so excessive. Solo’s mannequin requires members to be moderately wholesome to maintain the collective reasonably priced.
Actual-World Value Comparability: Solo vs. Conventional Insurance coverage
Let me present you precise numbers as a result of that is the place Solo actually shines.
I ran quotes for a 35-year-old freelancer in Illinois (my house state) with no pre-existing situations:
Market Gold Plan (Healthcare.gov)
- Month-to-month Premium: $687
- Deductible: $3,000
- Out-of-Pocket Most: $9,200
- Annual Value (if wholesome): $8,244 in premiums + $0 in care = $8,244
- Annual Value (in case you hit deductible): $8,244 + $3,000 = $11,244
Solo V5000 Plan
- Month-to-month Premium: $387
- Deductible: $5,000
- Out-of-Pocket Most: $5,000 (similar as deductible)
- Annual Value (if wholesome): $4,644 in premiums + $0 in care = $4,644
- Annual Value (in case you hit deductible): $4,644 + $5,000 = $9,644
Financial savings with Solo:
- In case you’re wholesome and solely want preventive care: $3,600/yr saved
- In case you hit your deductible: $1,600/yr saved
And bear in mind, with Solo, preventive care is roofed 100%, so that you’d nonetheless have your annual bodily, screenings, and immunizations absolutely coated with out paying something.
Even in case you wanted important medical care and hit your full deductible, you’re nonetheless saving cash in comparison with conventional insurance coverage. And in case you’re lucky sufficient to remain wholesome (which is the purpose), you’re saving 1000’s of {dollars} yearly.
Household Protection Comparability
For a household of 4 (two adults, two children), the financial savings are much more dramatic:
Market Silver Plan:
- Month-to-month Premium: $1,847
- Household Deductible: $12,700
- Annual Value: $22,164+ (premiums alone)
Solo Household Plan (V5000):
- Month-to-month Premium: ~$950 (varies by household composition)
- Household Deductible: $10,000
- Annual Value: $11,400 (premiums alone)
That’s over $10,000 in annual financial savings simply on premiums, and the deductible is definitely decrease with Solo.
My Expertise Exploring Solo
I went by means of Solo’s qualification course of to see what it’s really like.
Step 1: Preliminary Questionnaire (10 seconds)

I stuffed out a short kind on Solo’s web site with fundamental data:
E mail and cellphone quantity weren’t required fields, so I might see my charges with out offering my contact information.
Step 2: Medical Questions (1 minute)

The well being questionnaire requested about:
- Household Planning
- Medicines I’m taking
- Main procedures or exams within the final 5 years
- Additional information like my peak and weight
This was extra detailed than the preliminary questionnaire however nonetheless easy. It took me about 1 minute.
I imply, that’s loopy. After I signed up for ‘The Market’, it took me most likely an hour or extra. And once more, I nonetheless didn’t have to supply any contact information, so that is all performed anonymously.
Step 3: Session with Solo Crew (Non-obligatory)
After submitting the questionnaire, I had the choice to schedule a cellphone session with Solo’s group. They’re a really small group and so they make themselves 100% out there to reply questions or help you when you’ve enrolled.
That sort of sincere, clear communication is uncommon within the insurance coverage world.
Step 4: Enrollment Determination
After the questions or the session, you get authorized to enroll. If I needed to enroll, I might begin protection as quickly as the next month—no ready for open enrollment.

Did you hear that!? No ready for open enrollment! Enroll anytime.
The enrollment course of is easy: select your plan, present cost data, e-sign your paperwork, and also you’re performed. Your member ID and welcome packet arrive inside just a few days. Members even have entry to an internet portal the place they will entry their ID card, view their claims, and leverage extra sources corresponding to monetary planning instruments.
What I Love About Solo
After in depth analysis, right here’s what genuinely impressed me:
The Pricing Transparency is Refreshing
There are not any hidden charges, no shock payments, no complicated explanations of advantages. precisely what you’ll pay:
- Your month-to-month premium
- Your deductible (which can also be your max out-of-pocket)
- Your copays for prescriptions (after you hit your deductible)
That’s it. No video games, no gotchas, no “that’s not coated” surprises six months later. In truth, in case you ever really feel like a health care provider or pharmacy is declining protection incorrectly, you possibly can name the Solo group straight and so they’ll assist kind it out. Which brings me to my subsequent level:
The Concierge Help is Distinctive
Having the ability to textual content or name a query and get a response inside minutes (not hours or days) eliminates a lot frustration. You’ll NEVER get this with different suppliers.
The Simplicity is a Breath of Contemporary Air
Three plan choices. Your deductible equals your out-of-pocket most. Preventive care is free. Prescriptions have clear copays.
There’s no confusion about coinsurance percentages, no shock payments as a result of the anesthesiologist was out of community, no combating with customer support about whether or not one thing must be coated.
Healthcare is difficult sufficient. Solo removes the insurance coverage complexity so you possibly can concentrate on really getting care.
The Value Financial savings are Actual
Solo appears to value about 30-50% lower than comparable Market protection. That’s 1000’s of {dollars} yearly that you could make investments again into your online business or financial savings.
And since the premiums are tax-deductible, the efficient value is even decrease.
The Flexibility is Excellent for Freelance Life
No open enrollment restrictions means you possibly can be part of everytime you want protection. Touring? Your nationwide PPO community works all over the place. Change areas? Your protection strikes with you.
Conventional insurance coverage ties you to enrollment durations, particular networks, and geographic restrictions. Solo adapts to your way of life, not the opposite method round.
The Incentive Construction Makes Sense
By rewarding wholesome behaviors (preventive care, health perks) and inspiring cost-conscious selections (selecting in-network suppliers, reference based mostly pricing solely applies to out-of-network care), Solo aligns your pursuits with the collective’s pursuits.
When everybody advantages from holding prices cheap, the system works higher for everybody.
What Might Be Higher About Solo
Nothing is ideal. Listed below are the restrictions and drawbacks:
The Well being Questionnaire Requirement
Not everybody will qualify. You probably have important pre-existing situations, persistent diseases, or require in depth ongoing care, Solo may not settle for you.
That is the tradeoff for decrease prices: Solo works for usually wholesome people. In case you want assured acceptance no matter well being standing, market plans (which should adjust to ACA rules) is likely to be a greater match.
It’s Just for Actually Self-Employed Folks
In case you’re employed by an organization part-time and freelance on the facet, you don’t qualify. You probably have workers and are required to supply them with advantages, you don’t qualify.
Solo is solely for Solopreneurs, which is nice for that particular viewers however means it’s not a common resolution.
The EIN Requirement Provides a Step
In case you don’t have already got an EIN, you’ll must get one. This isn’t tough (it’s free and takes about 10 minutes on the IRS web site), nevertheless it’s an additional requirement that some informal freelancers may not need to take care of.
It’s a Newer Firm
Solo is comparatively new in comparison with established insurers. Whereas which means they’re revolutionary and customer-focused, it additionally means they don’t have many years of monitor document. Whereas the Solo plan itself has been round since 2022, their dad or mum firm, Well being Enterprise Group, has been in existence since 2015.
In case you’re risk-averse and like sticking with well-known manufacturers, this would possibly offer you pause.
Who Ought to Severely Think about Solo?
In spite of everything my analysis, right here’s who Solo is ideal for:
Freelancers and Consultants
In case you’re a contract author, designer, developer, marketer, or some other kind of impartial advisor, Solo is constructed for you. The associated fee financial savings, flexibility, and tax advantages align completely with the freelance way of life.
Solopreneurs and Impartial Contractors
Working your individual enterprise as a Solo operator? This consists of professions like actual property brokers and monetary advisors. Solo provides you the well being protection you want with out the complexity and value of conventional small enterprise insurance coverage.
Typically Wholesome Self-Employed People
In case you’re in moderately good well being, don’t have persistent situations requiring in depth ongoing care, and need to get monetary savings on premiums, Solo is a wonderful possibility.
Folks Pissed off with Market Plans
In case you’re bored with paying $600+/month for insurance coverage you barely use as a result of the deductible is so excessive, Solo gives a greater worth proposition.
These Who Worth Service and Help
In case you’ve handled irritating customer support from conventional insurers and desire a group that truly helps you navigate healthcare, Solo’s concierge help is well worth the swap alone.
Who May Need to Look Elsewhere?
Solo isn’t proper for everybody. You must most likely keep on with conventional insurance coverage if:
You Have Important Pre-Present Circumstances
You probably have persistent diseases, require frequent specialist care, or have ongoing medical wants, market plans that should settle for you no matter well being standing is likely to be a safer alternative.
You Have Staff who you might be required to supply well being advantages
Solo is just for Solopreneurs. You probably have W2 workers, and it’s good to present them with well being advantages, you probably want conventional small enterprise medical insurance.
You’re Employed Half-Time with Advantages
You probably have entry to employer-sponsored insurance coverage (even part-time), that’s most likely the best choice. Solo is just for individuals who don’t have entry to employer protection.
You’re Not Self-Employed
Solo requires you to be legitimately self-employed with an EIN. In case you’re casually freelancing with no enterprise construction, you gained’t qualify.
You Choose Most Protection No matter Value
In order for you essentially the most complete protection attainable and value isn’t a priority, a Platinum market plan would possibly provide extra in depth advantages (although at a a lot greater value).
How Solo Compares to Options
Let me shortly evaluate Solo to the principle options:
Solo vs. Market Plans
Winner: Solo for most individuals
Market plans are costlier, extra advanced, and infrequently have restricted networks. Solo gives higher worth for usually wholesome self-employed people.
Nonetheless, market plans don’t require well being screening and should settle for everybody, in order that they’re higher in case you have pre-existing situations.
Solo vs. Brief-Time period Plans
Winner: Solo simply
Brief-term plans are cheaper initially however provide minimal protection, don’t cowl pre-existing situations, and go away you weak. Solo gives complete, long-term protection with higher safety.
Solo vs. Well being Sharing Ministries
Winner: Solo
Well being sharing ministries (like Christian Healthcare Ministries or Medi-Share) are related in idea however are faith-based and have spiritual necessities. Additionally they have limitations on what they’ll cowl (typically excluding pre-existing situations or sure procedures).
Solo gives an analogous community-based mannequin with out spiritual necessities and with extra complete protection.
Solo vs. Direct Main Care + Catastrophic Protection
Winner: Will depend on your wants
Some individuals mix a direct major care membership ($50-150/month for limitless major care visits) with a catastrophic well being plan (high-deductible, low-premium protection for emergencies solely).
This may be cheaper than Solo in case you’re younger, wholesome, and barely want care. However Solo gives extra complete protection and handles every thing in a single place.
Suggestions for Getting the Most Out of Solo
In case you resolve to hitch Solo, right here’s the way to maximize the worth:
Begin with the Well being Questionnaire Actually
Don’t attempt to cover well being points or omit data. Solo wants correct data to find out eligibility and pricing. Being dishonest might result in denied claims later and plan termination.
Select the Proper Deductible for Your Scenario
- V2500: Finest in case you anticipate to wish medical care, have ongoing prescriptions, or need decrease out-of-pocket threat
- V5000: Finest middle-ground possibility for most individuals—decrease premiums than V2500, cheap max out-of-pocket
- V10000: Finest in case you’re very wholesome, not often see medical doctors, and wish the bottom attainable premiums
Use Preventive Care Aggressively
It’s 100% coated, so take benefit! Get your annual bodily, screenings, immunizations, and preventive medicines. Catching well being points early saves cash and improves outcomes.
Open an HSA if Eligible
In case you select the V2500 or V5000 plan, open a Well being Financial savings Account and contribute the utmost allowed. The tax advantages are enormous for self-employed people.
For 2025, you possibly can contribute as much as $4,300 for people or $8,550 for households.
Use the Concierge Crew
Don’t hesitate to textual content, name, or electronic mail with questions. They’re there to assist. Use them to:
- Discover in-network suppliers
- Perceive what’s coated
- Navigate claims or billing points
Keep In-Community When Attainable
Whereas Solo’s community is large (1.4M+ suppliers), staying in-network ensures you get the negotiated charges and your prices rely towards your deductible.
Monitor Your Healthcare Spending
Since your deductible equals your out-of-pocket most, preserve monitor of what you’ve spent towards your deductible. Leveraging Solo’s partnership with Advantages Hero may also help with this. When you hit it, all different in-network providers are coated at 100%.
Think about Timing for Non-Pressing Care
In case you’re near assembly your deductible late within the yr, it’d make sense to schedule non-urgent procedures earlier than year-end in order that they’re coated at 100%. In case you’re far out of your deductible, you would possibly wait till the brand new yr.
The Backside Line: Is Solo Value It?
After in depth analysis, conversations with members, and private exploration of the plans, right here’s my sincere verdict:
Sure, Solo Well being Collective is completely price it for the proper particular person.
In case you’re a self-employed freelancer or Solopreneur who’s annoyed with costly, difficult conventional insurance coverage, Solo gives a genuinely higher various. The associated fee financial savings alone (typically $3,000-5,000 yearly) justify the swap for most individuals.
However past simply saving cash, Solo solves actual issues:
- The pricing is clear and sincere
- The protection is complete and simple
- The help is phenomenal and accessible
- The pliability matches freelance life
- The tax advantages add important worth
The constraints are actual however manageable:
- That you must be self-employed with an EIN
- That you must move the well being questionnaire
- That you must be keen to actively handle your healthcare
For the audience—usually wholesome self-employed people—these necessities aren’t dealbreakers. They’re simply a part of how Solo retains prices low whereas sustaining high quality protection.
In case you’re nonetheless undecided, be happy to learn different sincere critiques on Trustpilot.
My advice: In case you’re at the moment paying $500+/month for market insurance coverage that you simply’re not pleased with, completely get a quote from Solo. Schedule a session with their group (it’s free and no-pressure), evaluate the prices to your present plan, and see in case you qualify.
For many freelancers and Solopreneurs, switching to Solo will save 1000’s of {dollars} yearly whereas offering higher protection and help. That’s not advertising and marketing hype—that’s the fact based mostly on precise value comparisons.
The worst that occurs? You get a quote, notice it’s not best for you, and stick along with your present plan. One of the best that occurs? You discover a medical insurance resolution that truly works to your freelance way of life and saves you important cash.
Able to see in case you qualify? Go to Solo Well being Collective and take the fast questionnaire. You’ll get personalised pricing and may schedule a session with their group to ask questions.
And in case you do be part of Solo, come again and tell us the way it goes! We’d love to listen to actual experiences from members of our freelance group.
Maintain the dialog going…
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