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SOLO Plans

CCI Individual and Family SOLO header

SOLO Individual
Health Insurance Plans

SOLO plans include many benefits that help you (and your family) stay healthy -- and get the care you need if you get sick or hurt. The annual open enrollment period is Nov. 1, 2021 to Jan. 15, 2022. Certain qualifying life events may make you eligible for a Special Enrollment Period, which would still let you enroll in a 2022 plan.

Keys to Plan Names

“Metal levels” tell you the average amount the plans pay for covered services. The chart below describes ranges of premiums and out-of-pocket costs for each plan level. 

 

Metal Level Premiums Out-of-Pocket Costs Plan pays*
Gold Plans Higher Lower 80%
Silver Plans Moderate Moderate 70%
Bronze Plans Lowest Highest 60%


*Average amount plan pays for covered services.
 

As you review our plans below, her are some important terms to know:

  • POS: Plans with POS ("point-of-service") in their name means you'll be able to visit out-of-network doctors, but you'll pay more
  • HMO: Plans with HMO ("health maintenance organization") in their name means you must visit in-network doctors to have those services covered.
  • HSA: This stands for "health savings account." HSA-compatible plans allow you to save money tax-free to use for qualified health care expenses.

*Integrated medical and prescription drug deductible.

Passage Plans

Passage plans put your health care right where it belongs: between you and your doctor. You must, however, choose a PCP from those who accept Passage plans and get your PCP to refer you to some types of specialists.

2022 Passage SOLO POS Copay/Coins. $2,500 Ded. Gold

This gold plan waives the deductible for primary care provider (PCP) and specialist office visits. Members with this plan must use PCPs who participate in the Passage plan and must get their PCP’s referral to many types of specialists. PCP office visits have a $30 copay per visit.

See plan documents

Deductible: $2,500 Individual / $5,000 Family*

2022 Passage SOLO HMO Copay/Coins. $7,000 Ded. Bronze

This bronze plan waives the deductible for primary care provider (PCP) office visits. Members with this plan must use PCPs who participate in the Passage plan and must get their PCP’s referral to many types of specialists. PCP office visits have a $50 copay per visit.

See plan documents

Deductible: $7,000 Individual / $14,000 Family*

Choice Plans

Choice plans let you manage your health your way. You may use any of the doctors, hospitals, labs, and facilities in our large network covering Connecticut, 28 counties of New York, and parts of Massachusetts and Rhode Island.

2022 Choice SOLO HMO Copay/Coins. $2,500 ded. Gold

This gold plan waives the deductible for in-network primary care provider (PCP) visits), PCP visits ($30 copay) mental health office visits ($50 copay), specialist visits ($50 copay), and urgent care visits ($100 copay).

See plan documents

Deductible: $2,500 Individual / $5,000 Family*

2022 Choice SOLO POS Coins. $3,250 Ded. Silver

This silver plan waives the deductible for primary care provider (PCP) office visits. PCP office visits have a $50 copay per visit. Members pay 50% coinsurance for specialist and mental health office visits and urgent care visits after they’ve met the in-network deductible.

See plan documents

Deductible: $3,250 Individual / $6,500 Family*

2022 Choice SOLO POS HSA Coins. $3,500 Ded. Silver

After meeting the in-network deductible of this silver plan, members pay 30% coinsurance for in-network services, including primary, specialist, and urgent care, as well as hospitalization. 

See plan documents

 $3,500 Individual / $7,000 Family*

2022 Choice SOLO POS Copay/Coins. $5,000 Ded. 30% Silver

This silver plan waives the deductible for in-network primary care provider (PCP) and mental office visits. Copays for in-network services include: $50 for PCP visits, $70 for mental health office visits, and $100 for urgent care. After meeting the in-network deductible, members pay $70 copay for specialist office visits.

See plan documents 

 

Deductible: $5,000 Individual / $10,000 Family*

2022 Choice SOLO POS Copay/Coins. $4,500 Ded. 40% Silver

This silver plan waives the deductible for in-network primary care provider (PCP) and mental health office visits. Copays do apply: $40 for PCP and $60 for specialist and mental health office visits. Urgent care visits have a $100 copayment after the deductible is met.

See plan documents 

 

Deductible: $4,500 Individual / $9,000 Family*

2022 Choice SOLO POS Copay/Coins. $5,500 Ded. Silver

This silver plan waives the deductible for in-network primary care provider (PCP) visits, specialist visits, mental health office visits, and urgent care visits. Copays for in-network services include: $50 for other PCP office visits, $70 for specialist and mental health office visits, and $100 for urgent care visits. 

See plan documents

 

Deductible: $5,500 Individual / $11,000 Family*

2022 Choice SOLO HMO Copay/Coins. $7,500 ded. Silver

This gold plan waives the deductible for in-network primary care provider (PCP) visits), PCP visits ($30 copay) mental health office visits ($50 copay), specialist visits ($50 copay), and urgent care visits ($100 copay).

See plan documents

 

Deductible: $7,500 Individual / $15,000 Family*

2022 Choice SOLO POS HSA Coins. $6,500 Ded. Bronze

After meeting the in-network plan deductible, members with this bronze plan pay 25% coinsurance for in-network services, including primary and specialist care, urgent care, and hospitalization.

See plan documents

 

Deductible: $6,500 Individual / $13,000 Family*

2022 Choice SOLO HMO HSA $6,500 Ded. Bronze

After meeting the in-network plan deductible, members with this bronze plan pay copays or coinsurance for in-network services. Copays for in-network services include: $40 for other PCP office visits, $50 for specialist and mental health office visits, and $100 for urgent care visits. 

See plan documents

 

Deductible: $6,500 Individual / $13,000 Family*

2021 Passage Plans

Passage plans put your health care right where it belongs: between you and your doctor. You must, however, choose a PCP from those who accept Passage plans and get your PCP to refer you to some types of specialists.

2021 Passage SOLO POS Copay/Coins. $2,200 Ded. Gold

This gold plan waives the deductible for primary care provider (PCP) and specialist office visits. Members with this plan must use PCPs who participate in the Passage plan and must get their PCP’s referral to many types of specialists. PCP office visits have a $30 copay per visit.

See plan documents

Deductible: $2,200 Individual / $4,400 Family*

2021 Passage SOLO HMO Copay/Coins. $7,000 Ded. Bronze

This bronze plan waives the deductible for primary care provider (PCP) office visits. Members with this plan must use PCPs who participate in the Passage plan and must get their PCP’s referral to many types of specialists. PCP office visits have a $50 copay per visit.

See plan documents

Deductible: $7,000 Individual / $14,000 Family*

     

2021 Choice Plans

Choice plans let you manage your health your way. You may use any of the doctors, hospitals, labs, and facilities in our large network covering Connecticut, 28 counties of New York, and parts of Massachusetts and Rhode Island.

2021 Choice SOLO POS Coins. $3,250 Ded. Silver

This silver plan waives the deductible for primary care provider (PCP) office visits. PCP office visits have a $50 copay per visit. Members pay 50% coinsurance for specialist and mental health office visits and urgent care visits after they’ve met the in-network deductible.

See plan documents

Deductible: $3,250 Individual / $6,500 Family*

2021 Choice SOLO POS HSA Coins. $3,500 Ded. Silver

After meeting the in-network deductible of this silver plan, members pay 30% coinsurance for in-network services, including primary, specialist, and urgent care, as well as hospitalization. 

See plan documents

 $3,500 Individual / $7,000 Family*

2021 Choice SOLO POS Copay/Coins. $4,500 Ded. 30% Silver

This silver plan waives the deductible for in-network primary care provider (PCP) and mental office visits. Copays for in-network services include: $50 for PCP visits, $70 for mental health office visits, and $100 for urgent care. After meeting the in-network deductible, members pay $70 copay for specialist office visits.

See plan documents

 

Deductible: $4,500 Individual / $9,000 Family*

2021 Choice SOLO POS Copay/Coins. $4,500 Ded. 40% Silver

This silver plan waives the deductible for in-network primary care provider (PCP) and mental health clinician office visits. Copays do apply:  $40 for PCP and $60 for mental health office visits. Other services, like specialist office and urgent care visits, have copayments after the deductible is met.

See plan documents

Deductible: $4,500 Individual / $9,000 Family*

2021 Choice SOLO POS Copay/Coins. $5,500 Ded. Silver

This silver plan waives the deductible for in-network primary care provider (PCP) visits, specialist visits, mental health office visits, and urgent care visits. Copays for in-network services include: $50 for other PCP office visits, $70 for specialist and mental health office visits, and $100 for urgent care visits. 

See plan documents

 

Deductible: $5,500 Individual / $11,000 Family*

2021 Choice SOLO POS HSA Coins. $6,500 Ded. Bronze

After meeting the in-network plan deductible, members with this bronze plan pay 25% coinsurance for in-network services, including primary and specialist care, urgent care, and hospitalization.

See plan documents

Deductible: $6,500 Individual / $13,000 Family*

2021 Choice SOLO HMO HSA $6,500 Ded. Bronze

After meeting the in-network plan deductible, members with this bronze plan pay copays or coinsurance for in-network services. Copays for in-network services include: $40 for other PCP office visits, $50 for specialist and mental health office visits, and $100 for urgent care visits. 

See plan documents

 

Deductible: $6,500 Individual / $13,000 Family*

     

2021 Virtual Plans

Virtual plans have $0 copays for unlimited virtual visits with Teladoc®. Use the Teladoc mobile app, your phone, or video conference to visit a Teladoc doctor or licensed nurse 24/7/365. Teladoc health professionals can diagnose, treat, and, if medically necessary, prescribe medicines for a wide range of non-emergency conditions.

2021 SOLO Virtual HMO Copay/Coins. $2,000 Ded. Gold

This gold plan waives the deductible for in-network primary care provider (PCP) visits ($0 copay for virtual visits with Teladoc; $30 copay for all others), mental health office visits ($50 copay), specialist visits ($50 copay), and urgent care visits ($100 copay).

See plan documents

Deductible: $2,000 Individual / $4,000 Family*

2021 SOLO Virtual HMO Copay/Coins. $7,500 Ded. Silver

This silver plan waives the deductible for in-network primary care provider (PCP) visits ($0 copay for virtual visits with Teladoc; $50 copay for all others), mental health office visits ($60 copay), specialist visits ($60 copay), and urgent care visits ($100 copay).

See plan documents

 

Deductible: $7,500 Individual / $15,000 Family*

Telemedicine is not appropriate for all covered services, and restrictions apply. Teladoc® and the Teladoc logo are registered trademarks of Teladoc Health, Inc. and may not be used without written permission.

*Integrated medical and prescription drug deductible.

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Any information provided on this Website is for informational purposes only. It is not medical advice and should not be substituted for regular consultation with your health care provider. If you have any concerns about your health, please contact your health care provider's office. Also, this information is not intended to imply that services or treatments described in the information are covered benefits under your plan. Please refer to your Membership Agreement, Certificate of Coverage, Benefit Summary, or other plan documents for specific information about your benefits coverage.