Health coverage for the self-employed
As a self-employed business owner, you're in full control. With Solo, your business creates its own major medical health plan — built around your needs and the way you work. Real coverage that works as hard as you do.
Major Medical Coverage,
Built for the Self-Employed.
Solo offers comprehensive major medical coverage with nationwide access and real financial protection.
Preventive Services
Routine checkups, screenings, labs, and immunizations fully covered before the deductible applies.
Primary & Specialist Care
Nationwide access to 1.4M+ doctors, specialists, and providers through the PHCS PPO network.
Emergency Care
Emergency services covered at any hospital nationwide, including emergencies while traveling abroad.
Mental Health Services
Coverage for therapy, counseling, and psychiatry—both in-network and with out-of-network options.
Inpatient Hospitalization & Surgeries
No annual or lifetime caps on covered inpatient hospital stays or major surgeries.
Imaging & Advanced Diagnostics
X-rays, MRIs, CT scans, and diagnostic lab tests covered after meeting your deductible.
Chiropractic Services
Includes coverage for outpatient rehab, physical therapy, and chiropractic care for qualifying conditions.
Maternity & Newborn Care
Prenatal, childbirth, and newborn care covered after deductible with no lifetime limits.
Pharmacy Benefits
Six-tier prescription coverage; preventive drugs at $0, copays apply after deductible for others.
Preventive Services
Routine checkups, screenings, labs, and immunizations fully covered before the deductible applies.
Primary & Specialist Care
Nationwide access to 1.4M+ doctors, specialists, and providers through the PHCS PPO network.
Emergency Care
Emergency services covered at any hospital nationwide, including emergencies while traveling abroad.
Mental Health Services
Coverage for therapy, counseling, and psychiatry—both in-network and with out-of-network options.
Inpatient Hospitalization & Surgeries
No annual or lifetime caps on covered inpatient hospital stays or major surgeries.
Imaging & Advanced Diagnostics
X-rays, MRIs, CT scans, and diagnostic lab tests covered after meeting your deductible.
Chiropractic Services
Includes coverage for outpatient rehab, physical therapy, and chiropractic care for qualifying conditions.
Maternity & Newborn Care
Prenatal, childbirth, and newborn care covered after deductible with no lifetime limits.
Pharmacy Benefits
Six-tier prescription coverage; preventive drugs at $0, copays apply after deductible for others.
Get Your Health Plan Cost
For Your Business-Of-One.
Enter a few details to view your actual monthly health plan cost and take the next step toward enrollment.
What Real Members
Are Saying About Solo.
Join 3,000+ self-employed business owners who trust Solo for major medical coverage. Read verified reviews and ratings on Trustpilot.
Every Solo team member I spoke with was knowledgeable, patient and genuinely helpful. They took the time to walk me through my options, answer all my questions, and made sure I felt confident in my decision. It's rare to find a company that combines professionalism with such a personal touch.
As a freelancer/small business owner finding adequate coverage has always been difficult. Solo Health Collective made everything easy to understand, and what really stood out was how far their team went to help.
I've been a member of Solo for a coming for two years now! It has been a great experience generally, it has reduced our monthly costs a lot and given us a wider network of providers to see. I also love how it is HSA eligible. It basically works like any other high deductible plan but it costs a lot less.
I actually feel like I have an ally in navigating the complexity of insurance and the whole medical ecosystem. It it truly so appreciated to know that when I send an email it is not going into the void. Thank you!
Very easy to work with, quick responses & great coverage. Would highly recommend to any other entrepreneurs!
We've been on the plan for over 2 years and are very satisfied with the service. Highly recommend to all my fellow small business owners!
Great customer experience, easy to sign up and manage care, and much wider provider coverage than the state marketplace plan I was on previously
Allison and Brian were incredibly responsive and helpful when we signed up for Solo Health Collective. They went above and beyond, making time for phone calls whenever we had questions. The same was true of Michael, who walked me through claims submissions with patience and good humor. In short, Solo Health’s customer service is excellent. Highly recommend!
I had a great experience with HBG and their insurance product Solo. It saved us thousands this year on health coverage. Has been a game changer for us.
I have had the best experience with Solo!!! Signing up was super easy and the team is always quick to get back to me on any questions or concerns I have. I am saving so much money and so glad I signed up. Highly recommend!! :)
As a small business owner that went without health care for YEARS, I am thankful for HBG for being affordable and caring. Please don’t go anywhere
Every Solo team member I spoke with was knowledgeable, patient and genuinely helpful. They took the time to walk me through my options, answer all my questions, and made sure I felt confident in my decision. It's rare to find a company that combines professionalism with such a personal touch.
Easily Find In-Network
Doctors & Specialists.
Solo partners with MultiPlan's PHCS Practitioner & Ancillary Network offering nationwide access to over 1.4 million physicians, hospitals, and specialists, plus the flexibility of an open network for providers who accept Reference Based Pricing.
Use our online search tool to find doctors, hospitals, and
specialists in
the PHCS Practitioner & Ancillary Network.
You'll get the most predictable costs — and no
billing surprises — when you choose in-network providers.
Consultant, Bookkeeper, Copywriter, Coach, Developer, Attorney, Photographer, Strategist, Illustrator, Filmmaker, Podcaster, Realtor, Stylist, Organizer, Walker, Chef, Trainer, Vendor, Baker, Content Creator, Instructor, Seller, Curator.
Ready to Switch Your Health Plan?
We'll Make
It
Simple.
Our team will walk you through every step from
reviewing your current coverage
to getting you set up with Solo.
Switching is easier than you think. We'll help you compare
benefits,
coordinate your start date,
and help you time your start date so you avoid a gap in coverage.
How to Join Solo
in 4 Easy Steps.
Calculate Your Health Plan Cost
Enter your zip code, age, and household details including any dependents to view your rates.
Select Your Plan Design
Choose from three deductible levels $2,500, $5,000, or $10,000. HSA options are available.
Complete Health Questionnaire & Sign Docs
Complete a secure medical eligibility questionnaire, then sign your plan documents to confirm enrolment.
Manage Your Plan Online
After your first payment is processed, access ID cards, benefits, claims, and documents in your secure member portal.
