Comprehensive Health Insurance Specifically designed for the self-employed.
Major Medical
IHA has made available comprehensive major medical plans specifically designed for Independent Contractors across the United States.
Individual Accident
With accident insurance, you can receive money paid directly to you to help with all the expenses of a covered accident. So you can focus on what really matters: healing.
Individual Critical Care
Critical Illness insurance helps supplement your major medical coverage by providing a lump-sum benefit that you can use to pay the costs related to a covered critical illness.
Term Life
You want what’s best for your family, including making sure they’re prepared for the future. Term life insurance, provides financial security to help them cover their ongoing living expenses.
Dental and Vision
Colonial Life’s Individual Dental PPO product provides benefits to America’s workers and their families for preventive, basic and major dental services.
Are You a Group of 1?
IHA Health offers self-employed individuals a comprehensive and competitive alternative to the ACA Marketplace (Obamacare). You now have a choice when it comes to Health Care.
If you fit into the following criteria then IHA Health may be your best insurance option.
In Good Health
Making over $80k a year
Between the ages of 35-60
On a COBRA Plan
Looking for a National Provider Network
Major Medical
IHA has made available comprehensive major medical plans specifically designed for Independent Contractors across the United States. IHA provides you with a competitive choice to the government-run ACA health care marketplace, with a strong national network with PHCS. If you are an Independent Contractor in good health and want a health plan that has comprehensive coverage, great networks and, affordable premiums, then IHA is the place for you.
Why choose a Major Medical Plan from IHA Health?
Lower Cost
Great coverage at a great price.
Easy to Enroll
Take 10 minutes to complete our Health Questionnaire and get a quote back within 24-48 hours.
Exclusive
IHA Health is only available here.
Comprehensive
A National Network with six plans to choose from.
Individual Accident Plan Quick Links
Accidents Happen
By definition you can never know when an accident will happen. An accident plan through IHA Health will help you when you need it.
Payout Benefits
What you can expect from the Accident Plan, accessed through IHA Health
Individual Accident Insurance
No matter who you are, what you do or where you live, you could get hurt accidentally. It’s just the nature of life.
And accidents can come with costs, such as emergency room fees, doctor’s bills, and the costs of missing work. Even if you have good health insurance, deductibles and co-pays can really add up after an accident. Would you have savings available to pay these costs?
But with accident insurance, you can receive money paid directly to you to help with all the expenses of a covered accident. So you can focus on what really matters: healing.
Why choose a Individual Accident Plan from IHA Health?
- 24/7 365 Coverage. At any time, anywhere, if you suffer an accidental injury, and seek medical attention, you can file and collect on your claim
- Payable on your severity. We know that the more severe the injury, the longer you will miss work. The Accident plan pays out on each injury, not just one lump sum.
Critical Care Insurance
No matter where you are in life, you never know when you or a loved one could have a sudden illness. Fortunately, medical advancements and early detection are helping many people survive critical illnesses.
These technologies and tests can lead to increased medical expenses. With health insurance only covering some of these costs, an unexpected illness could make it difficult for you to pay your regular monthly bills, such as housing, utilities and child care.
Critical Illness insurance helps supplement your major medical coverage by providing a lump-sum benefit that you can use to pay the direct and indirect costs related to a covered critical illness.
Why choose a Critical Care Plan from IHA Health?
- Guaranteed Issue amounts. No medical questions, just coverage for you and (optionally) your family
- Covers the major medical events. Heart attack, stroke, cancer, organ failure, and more.
Critical Care Plan Quick Links
Why Critical Care Insurance
What you and your loved ones should know about Critical Illness insurance
How does it benefit me?
Know what you would receive after having a covered major medical event.
Term Life Plan Quick Links
Protect your Financial Interests
How you can add a safety net for your family with Life Insurance, accessed through IHA Health.
Frequently Asked Questions
Find answers to frequently asked questions regarding the Term Life policies accessed through the IHA Health.
Term Life Insurance
How secure is your family’s future without you? The last thing you or your family should have to worry about is the financial cost of losing a loved one. Funeral expenses, medical bills and taxes are just the tip of the iceberg. How would they cover ongoing living expenses such as the mortgage, healthcare and utilities?
You want what’s best for your family, and that includes making sure they’re prepared for the future. With term life insurance, you can provide financial security to help them cover their ongoing living expenses.
Why choose a Term Life Plan from IHA Health?
- Guaranteed Issue Face Values. Members can get up to $100,000 in face value
- Your Rates are Locked. The cost of your policy (premium) will never go up during the life of your policy. Ever.
Dental and Vision
Colonial Life’s Individual Dental PPO product provides benefits to America’s workers and their families for preventive, basic and major dental services. Their dental plan covers a wide range of treatments, from routine cleanings to root canals and pays benefits based on a defined co-insurance percentage. Insureds have the freedom to choose any dentist, and by seeing an in-network dentist they can even reduce their out-of-pocket costs.
Why choose a Dental and Vision Plan from IHA Health?
- Long Term Coverage. Members can keep their coverage until they turn 75, even if they retire
- Child Orthodontia. Members children up to age 19 have a lifetime benefit of $1000 or 50% co-insurance, which ever is less
- Optional Vision Rider. Fully insured vision benefits with coverage for eye exams and materials
Dental and Vision Plan Quick Links
Why Get Dental?
An overview of how important a good dental plan is to your health.
Why Add Vision?
Learn more about the Vision Rider, available with the purchase of the Dental Benefit.
Next Steps
- Enter your contact information and hit SUBMIT
- Receive an email with link to Health Questionnaire (PHQ) and Benefit Brochure
- Review rates and complete PHQ
- Get a quote within 2 business days
- Set up an appointment with our licensed enrollment team