Your BUSINESS.
Your Health.
Your PLAN.
2,000+
SELF-EMPLOYED
Businesses & Growing$4.2+
MILLION
In Collective Member Savings1M+
IN-NETWORK
Healthcare Practitioners Nationwide2,000+
SELF-EMPLOYED
Businesses & Growing$4.2+
MILLION
In Collective Member Savings1M+
IN-NETWORK
Healthcare Practitioners Nationwide
At Solo,
As a Solopreneur, you are in full control. With Solo Health Collective’s captive framework, your business builds a health plan designed for you — your needs, your lifestyle, your business. It’s healthcare that works as hard as you do.
At Solo,
You don’t just choose a
health plan you create
one. As a Solopreneur,
you are in full control.
Why settle for options
built for someone else?
With Solo Health
Collective’s captive
framework, your
business builds a health
plan designed for you,
your needs, your
lifestyle, your business.
It’s healthcare that
works as smart as you do.
Major Medical Coverage, Built
for a Business of One
Major Medical Coverage, Built for a
Business of One
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, including international travel and urgent situations.
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
Five-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 Multiplan PHCS network.
Emergency Care
Emergency services covered at any hospital, including international travel and urgent situations.
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
Five-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 1,000+ solopreneurs who trust Solo for major medical coverage—read verified reviews and ratings on Trustpilot.
Meghan H, Nurse
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.
Lauren S, Video Producer
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.
Toby W, Talent Manager
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.
Frances D, Member
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!
Hayley L, Photographer
Very easy to work with, quick responses & great coverage. Would highly recommend to any other entrepreneurs!
Sam C, Irrigation Specialist
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!
Larissa M, Strategist
Great customer experience, easy to sign up and manage care, and much wider provider coverage than the state marketplace plan I was on previously
Karen E, Member
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!
Justin M, Executive Coach
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.
Frankie B, Real Estate Agent
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!! :)
Drew A, Food Photographer & Stylist
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
Meghan H, Nurse
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 offering nationwide access to over 1.4 million physicians, hospitals, and specialists, plus the flexibility of an open network for accepting providers.
Use our online search tool to find doctors, hospitals, and specialists in the PHCS Practitioner & Ancillary Network. You’ll get the highest level of benefits 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, Preparer, Tutor,
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 ensure a smooth transition with no gap in coverage.
How to Join Solo
in 4 Easy Steps
1.
Calculate Your Health Plan Cost
Enter your zip code, age, and household details including any dependents—to view rates for your business-of-one.
2.
Select Your Plan Design
Choose from three deductible levels $2,500, $5,000, or $10,000. HSA options are available.
3.
Complete Health Questionnaire & Sign Docs
Complete a secure medical eligibility questionnaire, then sign your plan documents to confirm enrollment.
4.
Manage Your Plan Online
After your first payment is processed, access ID cards, benefits, claims, and documents in your secure member portal.
FREQUENTLY ASKED QUESTIONS
If you miss the 20th, that's okay - plans can still be set up through the end of the month for coverage that starts on the 1st of the following month. Plans created later in the month may simply require additional processing time before all services are fully active.
Your first payment isn't due until your plan's effective date, so there's no downside to setting up your plan early.
Want more answers? Visit our Full FAQ or talk to our team today.