If you are self-employed, running a small business, or working as an independent contractor, you have probably faced a frustrating reality: individual health insurance can be expensive, and traditional group plans seem designed for companies with hundreds of employees.
But what if there was a way to access the same quality group health coverage that larger businesses enjoy, without the complexity, minimum enrollment requirements, or upfront costs?
That is exactly what Benefit Airship offers. Let us break down how it works and why it might be the right fit for your situation.
What Is Benefit Airship?
Benefit Airship is a zero-launch employer health benefits platform. It is designed to make offering health coverage as simple as possible, whether you are a business owner with 50 employees or a self-employed professional who works solo.
Here is what makes it different from traditional group health plans:
Zero cost to register there is no upfront fee to get started No minimum enrollee count even a group of one qualifies No census required you do not need to provide detailed employee health information upfront Pre-approved plans the plans are already approved, so there is no underwriting delay ACA Applicable Large Employer qualified meets the requirements for businesses that need to offer coverage
The setup process is straightforward: register your business, choose your plans and contribution level, then launch employee enrollment. Most businesses can be up and running in 15 to 30 minutes.
How Self-Employed Professionals Qualify
One of the most common questions we hear is: I am self-employed with no employees. Can I really get group coverage?
The answer is yes.
Under Benefit Airship Zero Risk Business Plan, a self-employed person or independent contractor with no employees can register their own one-person business and cover themselves under a group plan. There is no employee minimum, which means groups of one qualify.
This is not individual health insurance. It is a business registering for group coverage, even when that business is one person. The distinction matters because group plans often provide better benefits and more predictable costs than individual market options.
Understanding the Plan Options
Benefit Airship offers two plan families, each designed for different needs and budgets.
The Copay Family: Silver, Gold, and Platinum
These plans feel like traditional insurance with fixed copays for doctor visits and services. They are a good fit if you want predictable costs and lower out-of-pocket expenses.
Silver 3,000 individual deductible, 6,000 family deductible. Monthly cost starts at 659 for an employee. Gold 1,000 individual deductible, 2,000 family deductible. Monthly cost starts at 729 for an employee. Platinum 0 deductible. Monthly cost starts at 799 for an employee.
Platinum is often the right choice for business owners currently paying 1,500 to 2,500 monthly for group coverage. The zero deductible and comprehensive benefits can undercut what you are already paying.
The HSA Family: MVP, Bronze, and HSA Silver
These are high-deductible plans that qualify for a Health Savings Account (HSA). If you are healthy, want lower monthly costs, and like the tax advantages of an HSA, this family might be worth exploring.
MVP 5,000 individual deductible, 10,000 family deductible. Monthly cost starts at 269 for an employee. Uses the PHCS Multiplan network. Bronze 6,000 individual deductible, 12,000 family deductible. Monthly cost starts at 559 for an employee. HSA Silver 3,200 individual deductible, 6,400 family deductible. Monthly cost starts at 659 for an employee.
MVP stands out as the most affordable option, making it popular among younger, healthy professionals who want real coverage at the lowest monthly cost while taking advantage of HSA tax benefits.
What Is Included Free on Every Plan
Every medical plan through Benefit Airship includes these benefits at no additional cost:
Free virtual care unlimited 24/7 telehealth access 0 generic prescriptions over 1,000 medications at major pharmacy chains Free annual wellness visits preventive care to keep you healthy Member concierge live human help with finding doctors and understanding claims
These are not upgrades or add-ons. They are standard on every plan, which means you are getting more value than you might expect from the monthly premium.
The Networks: What You Need to Know
Benefit Airship uses two provider networks:
Cigna available on Silver, Gold, Platinum, Bronze, and HSA Silver plans PHCS Multiplan available on MVP plans only
Both networks give you access to a wide range of doctors, specialists, and hospitals. Before enrolling, you can verify that your preferred providers are in-network.
Add-On Options
Beyond the medical plans, Benefit Airship offers optional add-ons:
Dental and Vision 79 per employee monthly, 189 for family coverage Accident Insurance 49.95 per employee monthly, 99.95 for family coverage. Provides cash paid directly to the member for covered accidents.
Note: BASE is also available as an add-on, but it is not medical insurance. It provides limited benefit coverage and should be considered as a supplement, not a replacement for comprehensive health coverage.
Getting Started
Whether you are a self-employed professional looking for affordable coverage or a small business owner who wants to offer benefits without the complexity, Benefit Airship makes it possible.
For self-employed individuals and independent contractors, you can explore plan options and enroll directly. For businesses looking to register and offer coverage to employees, the onboarding process is designed to be quick and straightforward.
The key is that you do not need to wait for a special enrollment period or navigate a complicated application process. Benefit Airship is designed to get you covered quickly and affordably.
Next Steps
If you are ready to explore your options, we are here to help. At Trek Insurance Solutions, we work with self-employed professionals and small business owners to find the right coverage for their needs.
For more information, visit us at trekis.net or call 888-960-0442.