You work for you.
Your health plan should too.
No employer. No group plan. No $600/month premiums. Indie Healthcare covers you from $117/month—real doctor visits, real prescriptions, and a real human who answers the phone.
Who is Indie Healthcare?
Built for people who work for themselves.
Indie Healthcare is a health benefits program built specifically for independent workers—freelancers, gig workers, contractors, and small business owners who don't have access to employer-sponsored coverage. We partner with SBMA Benefits and Clearwater to offer real, affordable plans starting at $117/month. No HR department. No group plan required. Just straightforward coverage and a human being who answers when you call.
Remote & Contract Workers
1099s, contract work, consulting. You've got income. You just don't have a benefits department.
Freelancers & Creatives
Designers, writers, photographers, developers. You built the career you wanted. This is the coverage that goes with it.
Gig & Independent Workers
Rideshare, delivery, TaskRabbit, and more. You don't get benefits from an app. We fix that.
Small Business Owners
1–5 people. You want to take care of your team. Group insurance costs $800+ per person. Indie Healthcare doesn't.
"Raise your hand if you're self-employed and you've been avoiding thinking about health insurance."
Yeah. That's most of us.
That's not a plan. That's a gamble.
Real coverage. Straightforward pricing.
Pick your plan.
No phone tree to figure this out. Two plans. One designed for everyday care. One for full protection. Both built for people who work for themselves.
- ✓Preventive Care — 100% covered, $0 copay
- ✓Primary Care Visits — $15 copay, 3x per year
- ✓Virtual Mental Health — $50 copay (3x), $85 unlimited
- ✓Prescription Drugs — tiered copay, any pharmacy, any state
- ✓Telemedicine — $0 copay, unlimited
- ✓No deductible
- ✓Preventive Care — 100% covered, $0 copay
- ✓Primary & Specialist Visits — $15 copay, unlimited
- ✓Urgent Care — $50 copay, unlimited
- ✓Lab services and X-rays — $50 copay, unlimited
- ✓Virtual Mental Health — $50 copay (3x), $85 unlimited
- ✓Prescription Drugs — tiered copay, any pharmacy, any state
- ✓Telemedicine — $0 copay, unlimited
- ✓No deductible
- ✓Preventive Care — 100% covered, $0 copay
- ✓Primary Care — $25 copay
- ✓Specialist Visits — $50 copay
- ✓Chiropractic Services — $45 copay
- ✓Physical Rehabilitation — $50 copay
- ✓Urgent Care — $75 copay
- ✓Lab services and X-rays
- ✓Mental Health — $25 copay
- ✓Prescription Drugs — generic & formulary, $0 copay
- ✓Telemedicine — $0 copay, unlimited
- ✓Emergency room coverage
- ✓Surgery coverage
- ✓Hospital stays
- ✓Maternity coverage
Not sure
which plan
is right?
An expert calls or texts you within 24 hours. No hold music. No phone tree. Just a real answer for your situation.
Complete Pricing
Every plan. Every tier.
Add dental and vision to any health plan. Or just browse the numbers. No surprises.
| Plan | Coverage Tier | Monthly Premium |
|---|---|---|
| PrimeCare MEC | Single | $117.00 |
| PrimeCare MEC | Employee + Spouse | $197.00 |
| PrimeCare MEC | Employee + Children | $197.00 |
| ↓ Download PrimeCare SBC (Summary of Benefits & Coverage) | ||
| Plan | Coverage Tier | Monthly Premium |
|---|---|---|
| EliteCare MEC | Single | $171.00 |
| EliteCare MEC | Employee + Spouse | $292.00 |
| EliteCare MEC | Employee + Children | $292.00 |
| EliteCare MEC | Family | $407.00 |
| ↓ Download EliteCare SBC (Summary of Benefits & Coverage) | ||
| Plan | Coverage Tier | Monthly Premium |
|---|---|---|
| Major Medical PPO | Age-tiered pricing — contact us for a quote at 917-833-8883 or info@ctx-enroll.com | |
| Starting at $412/month. Available in all 50 states. Sponsored by Clearwater Benefits. | ||
| ↓ Major Medical SBC — coming soon. Call 917-833-8883 for plan documents. | ||
| Plan | Coverage Tier | Monthly Premium |
|---|---|---|
| Delta Dental Comprehensive | Single | $46.15 |
| Delta Dental Comprehensive | Employee + Spouse | $90.20 |
| Delta Dental Comprehensive | Employee + Children | $85.47 |
| Delta Dental Comprehensive | Family | $136.99 |
| Plan | Coverage Tier | Monthly Premium |
|---|---|---|
| Delta Dental Preventive | Single | $21.80 |
| Delta Dental Preventive | Employee + Spouse | $39.53 |
| Delta Dental Preventive | Employee + Children | $37.28 |
| Plan | Coverage Tier | Monthly Premium |
|---|---|---|
| VSP Vision Plan | Single | $11.95 |
| VSP Vision Plan | Employee + Spouse | $21.90 |
| VSP Vision Plan | Employee + Children | $22.90 |
Use Your Coverage
Find a doctor.
Fill a prescription.
Your network is nationwide. Search for in-network providers, check your drug formulary, or enroll right now.
Find an In-Network Doctor
PrimeCare & EliteCare use the Multiplan PHCS network. Search for physicians, specialists, and urgent care near you.
Search MEC Providers →Find an In-Network Doctor
Full Protection plans use a nationwide PPO network. Search for physicians, hospitals, and specialists covered under your plan.
Search PPO Providers →Drug Formulary
See the full list of covered medications. Generic and preferred brand drugs available at any pharmacy, any state.
MEC Drug Formulary (WriteWise) → Major Medical Formulary (6 Degrees) →Enroll Now
Takes about 10 minutes. Coverage starts fast. Or call us and a human walks you through it.
Start Enrollment → Get a Quote First →What members are saying
Real people. Real coverage.
CTX made the process easy. We switched from the state exchange, ended up with a better policy, and saved almost 40%.
The EliteCare MEC stood out immediately based on the level of coverage. The benefits were clearly explained, and enrolling was quick and easy.
I've been with CTX health insurance for almost two years and couldn't be happier with the coverage, affordability, and outstanding service.
The insurance marketplace can be really confusing, but working with CTX was a great experience. They made the options easy to understand and the signup process simple.
I've worked with CTX for over two years, and they've been great to work with.
"You're not one bad diagnosis away from financial ruin if you just handle this."
Handling it takes about 10 minutes. We'll walk you through it.
The questions everyone asks
No fine print. Just answers.
Not sure where to start?
Let's figure it out together.
An Indie Healthcare expert reaches out within 24 hours. No hold music. No phone tree. Just a real conversation about what you actually need.
917-833-8883 (call or text) info@ctx-enroll.com