Health coverage for the self-employed
No employer. No group requirement. No bloated premiums. Indie Healthcare covers you from $120/month—real doctor visits, real prescriptions, and a real human who answers the phone.
Everyday coverage
Who we're for
Raise your hand if you're self-employed and you've been avoiding thinking about health insurance. Yeah. That's most of us.
No W-2, no group requirement through work — doesn't mean you should go without coverage.
Coverage that moves with you, whether you've got one client or ten.
Flexible plans that fit an income that isn't always the same every month.
Coverage for you (and your team, if you've got one) without the group-plan headache.
Plans & pricing
Three ways to get real coverage — from everyday care to full protection.
Everyday essentials, ACA-compliant Minimum Essential Coverage
Starting price, Single coverage
| Single | $120 |
| Employee + Spouse | $205 |
| Employee + Children | $205 |
| Family | $290 |
Everyday care plus specialist, urgent care & labs
Starting price, Single coverage
| Single | $174 |
| Employee + Spouse | $300 |
| Employee + Children | $300 |
| Family | $420 |
Full protection — ER, surgery, hospital & maternity
Starting price (MVP PPO 10K, Self Only, Open Network) — 5 plans available, get your exact quote
Add-ons
Add dental and vision to any medical plan.
Delta Dental PPO network
| Single | $27.38 |
| Employee + Spouse | $47.42 |
| Employee + Children | $44.87 |
| Family | $71.51 |
Delta Dental PPO network
| Single | $54.90 |
| Employee + Spouse | $104.68 |
| Employee + Children | $99.32 |
| Family | $157.55 |
VSP, powered by Delta Vision
| Single | $12.96 |
| Employee + Spouse | $21.91 |
| Employee + Children | $22.81 |
| Family | $35.37 |
Read the fine print
Official Summaries of Benefits and Coverage plus plain-English plan summaries — view online or download and keep for your records.
The federally required SBC — cost-sharing, exclusions, and coverage examples.
A quick-reference overview of KeyCare benefits, Rx tiers, and virtual care.
The federally required SBC — cost-sharing, exclusions, and coverage examples.
A quick-reference overview of VitalCare benefits, Rx tiers, and virtual care.
Coverage percentages, annual maximum, and provider lookup.
Coverage percentages, deductibles, annual maximum, and provider lookup.
Exam, frame & lens allowances, in- and out-of-network coverage.
Covered medications by tier, so you know your copay before you fill a prescription.
The full plain-English walkthrough of every plan, tier, and add-on we offer.
Ready when you are
Pick your KeyCare or VitalCare plan, add dental and vision if you want them, and tell us a bit about yourself. No SSN or bank info needed yet — we'll collect that securely in the next step.
Quick price reference
| Coverage | Single | EE+Spouse | EE+Child | Family |
|---|---|---|---|---|
| KeyCare MEC | $120 | $205 | $205 | $290 |
| VitalCare MEC | $174 | $300 | $300 | $420 |
| Dental Preventive | $27.38 | $47.42 | $44.87 | $71.51 |
| Dental Comprehensive | $54.90 | $104.68 | $99.32 | $157.55 |
| VSP Vision | $12.96 | $21.91 | $22.81 | $35.37 |
Mix and match any combination on the enrollment page.
Talk to us
Tell us a little about you and we'll follow up within 24 hours — no pressure, no jargon.
What members say
"I switched off my state exchange plan and I'm paying a lot less for coverage that actually fits how I work."
"VitalCare gave me the coverage I needed and the enrollment team walked me through every step."
"Two years in and I still can't believe how easy this was compared to shopping the marketplace myself."
"The insurance marketplace can be really confusing, but working with Indie Healthcare was a great experience."
"I've worked with Indie Healthcare for over two years, and they've been great to work with."
FAQ