GigCare Livelihood $1,800 EPO
Rate at enrollment
Deductible$1,800 / $3,600 family
Out-of-pocket max$9,200 / $18,400 family
Doctor visit$40
Coinsurance25%
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The complete catalog behind the recommendation — all plans, all deductible tiers, all networks. Same enrollment, clearer picture.
Starting rates shown are for ages 18–29, member only
GigCare Livelihood
Aetna · nationwide · 22 plans
Aetna EPO and PPO plans for the self-employed in 39 states.
GigCare Livelihood $1,800 EPO
Rate at enrollment
Deductible$1,800 / $3,600 family
Out-of-pocket max$10,000 / $20,000 family
Doctor visit$25
Coinsurance20%
GigCare Livelihood $2,600 EPO
Rate at enrollment
Deductible$2,600 / $3,600 family
Out-of-pocket max$10,000 / $20,000 family
Doctor visit$25
Coinsurance20%
GigCare Livelihood $3,350 EPO
Rate at enrollment
Deductible$3,350 / $6,700 family
Out-of-pocket max$10,000 / $20,000 family
Doctor visit$25
Coinsurance20%
GigCare Livelihood $3,750 EPO
Rate at enrollment
Deductible$3,750 / $7,500 family
Out-of-pocket max$9,200 / $18,400 family
Doctor visit$40
Coinsurance25%
GigCare Livelihood $4,300 EPO
Rate at enrollment
Deductible$4,300 / $8,600 family
Out-of-pocket max$10,000 / $20,000 family
Doctor visit$25
Coinsurance20%
GigCare Livelihood $4,500 EPO
Rate at enrollment
Deductible$4,500 / $9,000 family
Out-of-pocket max$9,200 / $18,400 family
Doctor visit$40
Coinsurance25%
GigCare Livelihood $6,000 EPO
Rate at enrollment
Deductible$6,000 / $12,000 family
Out-of-pocket max$10,000 / $20,000 family
Doctor visit$25
Coinsurance20%
GigCare Livelihood $6,800 EPO
Rate at enrollment
Deductible$6,800 / $13,600 family
Out-of-pocket max$9,200 / $18,400 family
Doctor visit$40
Coinsurance25%
GigCare Livelihood $7,500 EPO
Rate at enrollment
Deductible$7,500 / $15,000 family
Out-of-pocket max$10,000 / $20,000 family
Doctor visit$25
Coinsurance20%
GigCare Livelihood $8,300 EPO
Rate at enrollment
Deductible$8,300 / $16,600 family
Out-of-pocket max$9,200 / $18,400 family
Doctor visit$40
Coinsurance25%
GigCare Livelihood $3,500 HSA
Rate at enrollment
Deductible$3,500 / $7,000 family
Out-of-pocket max$8,300 / $16,600 family
Coinsurance20%
GigCare Livelihood $5,000 HSA
Rate at enrollment
Deductible$5,000 / $10,000 family
Out-of-pocket max$8,300 / $16,600 family
Coinsurance20%
GigCare Livelihood $6,500 HSA
Rate at enrollment
Deductible$6,500 / $13,000 family
Out-of-pocket max$8,300 / $16,600 family
Coinsurance25%
GigCare Livelihood $1,800 PPO
from $721/mo
Deductible$1,800 / $3,600 family
Out-of-pocket max$10,000 / $20,000 family
Doctor visit$25
Coinsurance20%
GigCare Livelihood $2,600 PPO
from $687/mo
Deductible$2,600 / $5,200 family
Out-of-pocket max$10,000 / $20,000 family
Doctor visit$25
Coinsurance20%
Most popular
GigCare Livelihood $3,350 PPO
from $667/mo
Deductible$3,350 / $6,700 family
Out-of-pocket max$10,000 / $20,000 family
Doctor visit$25
Coinsurance20%
GigCare Livelihood $4,300 PPO
from $646/mo
Deductible$4,300 / $8,600 family
Out-of-pocket max$10,000 / $20,000 family
Doctor visit$25
Coinsurance20%
GigCare Livelihood $6,000 PPO
from $606/mo
Deductible$6,000 / $12,000 family
Out-of-pocket max$10,000 / $20,000 family
Doctor visit$25
Coinsurance20%
GigCare Livelihood $7,500 PPO
from $552/mo
Deductible$7,500 / $15,000 family
Out-of-pocket max$10,000 / $20,000 family
Doctor visit$25
Coinsurance20%
GigCare Livelihood $3,500 HSA
from $653/mo
Deductible$3,500 / $7,000 family
Out-of-pocket max$8,300 / $16,600 family
Coinsurance20%
GigCare Livelihood $5,000 HSA
from $611/mo
Deductible$5,000 / $10,000 family
Out-of-pocket max$8,300 / $16,600 family
Coinsurance20%
PSM PPO
First Health · HealthSmart · PHCS · 23 plans
Traditional PPO coverage in metal tiers from $500 to $7,350 deductibles.
PSM PPO $500 PPO · First Health
Rate at enrollment
Deductible$500 / $1,000 family
Out-of-pocket max$7,350 / $14,700 family
Doctor visit$25
PSM PPO $500 PPO · HealthSmart
Rate at enrollment
Deductible$500 / $1,000 family
Out-of-pocket max$7,350 / $14,700 family
Doctor visit$25
PSM PPO $500 PPO · PHCS
Rate at enrollment
Deductible$500 / $1,000 family
Out-of-pocket max$7,350 / $14,700 family
Doctor visit$25
PSM PPO $1,000 PPO · First Health
Rate at enrollment
Deductible$1,000 / $2,000 family
Out-of-pocket max$7,350 / $14,700 family
Doctor visit$25
PSM PPO $1,000 PPO · HealthSmart
Rate at enrollment
Deductible$1,000 / $2,000 family
Out-of-pocket max$7,350 / $14,700 family
Doctor visit$25
PSM PPO $1,000 PPO · PHCS
Rate at enrollment
Deductible$1,000 / $2,000 family
Out-of-pocket max$7,350 / $14,700 family
Doctor visit$25
PSM PPO $1,500 PPO · First Health
Rate at enrollment
Deductible$1,500 / $3,000 family
Out-of-pocket max$7,350 / $14,700 family
Doctor visit$25
PSM PPO $1,500 PPO · HealthSmart
Rate at enrollment
Deductible$1,500 / $3,000 family
Out-of-pocket max$7,350 / $14,700 family
Doctor visit$25
Most popular
PSM PPO $2,500 PPO · First Health
Rate at enrollment
Deductible$2,500 / $5,000 family
Out-of-pocket max$7,350 / $14,700 family
Doctor visit$25
PSM PPO $2,500 PPO · HealthSmart
Rate at enrollment
Deductible$2,500 / $5,000 family
Out-of-pocket max$7,350 / $14,700 family
Doctor visit$25
PSM PPO $2,500 PPO · PHCS
Rate at enrollment
Deductible$2,500 / $5,000 family
Out-of-pocket max$7,350 / $14,700 family
Doctor visit$25
PSM PPO $3,500 PPO · First Health
Rate at enrollment
Deductible$3,500 / $7,000 family
Out-of-pocket max$7,350 / $14,700 family
Doctor visit$25
PSM PPO $3,500 PPO · HealthSmart
Rate at enrollment
Deductible$3,500 / $7,000 family
Out-of-pocket max$7,350 / $14,700 family
Doctor visit$25
PSM PPO $3,500 PPO · PHCS
Rate at enrollment
Deductible$3,500 / $7,000 family
Out-of-pocket max$7,350 / $14,700 family
Doctor visit$25
PSM PPO $5,000 PPO · First Health
Rate at enrollment
Deductible$5,000 / $10,000 family
Out-of-pocket max$7,350 / $14,700 family
Doctor visit$25
PSM PPO $5,000 PPO · HealthSmart
Rate at enrollment
Deductible$5,000 / $10,000 family
Out-of-pocket max$7,350 / $14,700 family
Doctor visit$25
PSM PPO $5,000 PPO · PHCS
Rate at enrollment
Deductible$5,000 / $10,000 family
Out-of-pocket max$7,350 / $14,700 family
Doctor visit$25
PSM PPO $7,350 PPO · First Health
Rate at enrollment
Deductible$7,350 / $14,700 family
Out-of-pocket max$7,350 / $14,700 family
Doctor visit$25
PSM PPO $7,350 PPO · HealthSmart
Rate at enrollment
Deductible$7,350 / $14,700 family
Out-of-pocket max$7,350 / $14,700 family
Doctor visit$25
PSM PPO $7,350 PPO · PHCS
Rate at enrollment
Deductible$7,350 / $14,700 family
Out-of-pocket max$7,350 / $14,700 family
Doctor visit$25
PSM PPO $2,500 HSA · First Health
Rate at enrollment
Deductible$2,500 / $5,000 family
Out-of-pocket max$7,350 / $14,700 family
PSM PPO $2,500 HSA · HealthSmart
Rate at enrollment
Deductible$2,500 / $5,000 family
Out-of-pocket max$7,350 / $14,700 family
PSM PPO $2,500 HSA · PHCS
Rate at enrollment
Deductible$2,500 / $5,000 family
Out-of-pocket max$7,350 / $14,700 family
PSM Reference-Based Pricing
No network · pays Medicare-based rates · 10 plans
See any provider. Typically the lowest premium of the major-style plans.
PSM Reference-Based Pricing $500
Rate at enrollment
Deductible$500 / $1,000 family
Out-of-pocket max$7,350 / $14,700 family
Doctor visit$25
PSM Reference-Based Pricing $1,000
Rate at enrollment
Deductible$1,000 / $2,000 family
Out-of-pocket max$7,350 / $14,700 family
Doctor visit$25
PSM Reference-Based Pricing $1,500
Rate at enrollment
Deductible$1,500 / $3,000 family
Out-of-pocket max$7,350 / $14,700 family
Doctor visit$25
Most popular
PSM Reference-Based Pricing $2,500
Rate at enrollment
Deductible$2,500 / $5,000 family
Out-of-pocket max$7,350 / $14,700 family
Doctor visit$25
PSM Reference-Based Pricing $3,500
Rate at enrollment
Deductible$3,500 / $7,000 family
Out-of-pocket max$7,350 / $14,700 family
Doctor visit$25
PSM Reference-Based Pricing $5,000
Rate at enrollment
Deductible$5,000 / $10,000 family
Out-of-pocket max$7,350 / $14,700 family
Doctor visit$25
PSM Reference-Based Pricing $7,350
Rate at enrollment
Deductible$7,350 / $14,700 family
Out-of-pocket max$7,350 / $14,700 family
Doctor visit$25
PSM Reference-Based Pricing $2,500 HSA
Rate at enrollment
Deductible$2,500 / $5,000 family
Out-of-pocket max$7,350 / $14,700 family
PSM Reference-Based Pricing $3,500 HSA
Rate at enrollment
Deductible$3,500 / $7,000 family
Out-of-pocket max$7,350 / $14,700 family
PSM Reference-Based Pricing $5,000 HSA
Rate at enrollment
Deductible$5,000 / $10,000 family
Out-of-pocket max$7,350 / $14,700 family
MaxGuard
Limited medical · First Health Network · 6 plans
Budget-friendly basics: doctor visits, urgent care, ER, and telehealth up to plan limits. Not major medical.
MaxGuard $300
from $329/mo
Deductible$300 / $600 family
Doctor visit$50 after deductible
MaxGuard $600
from $309/mo
Deductible$600 / $1,200 family
Doctor visit$50 after deductible
MaxGuard $900
from $289/mo
Deductible$900 / $1,800 family
Doctor visit$50 after deductible
Most popular
MaxGuard $1,500
from $269/mo
Deductible$1,500 / $3,000 family
Doctor visit$50 after deductible
MaxGuard $2,000
from $249/mo
Deductible$2,000 / $4,000 family
Doctor visit$50 after deductible
MaxGuard $2,500
from $239/mo
Deductible$2,500 / $5,000 family
Doctor visit$50 after deductible
GigCare Thrive
Blue Cross Blue Shield of Nebraska · 5 plans · Nebraska only
Full major medical on the BCBS network — the flagship option for Nebraskans.
GigCare Thrive $1,500 PPO
Rate at enrollment
Deductible$1,500 / $3,000 family
Out-of-pocket max$8,500 / $17,000 family
Doctor visit$25
Coinsurance30%
Most popular
GigCare Thrive $2,500 PPO
Rate at enrollment
Deductible$2,500 / $5,000 family
Out-of-pocket max$8,500 / $17,000 family
Doctor visit$25
Coinsurance30%
GigCare Thrive $5,000 EPO
Rate at enrollment
Deductible$5,000 / $10,000 family
Out-of-pocket max$7,350 / $14,700 family
Doctor visit$25
Coinsurance30%
GigCare Thrive $7,350 EPO
Rate at enrollment
Deductible$7,350 / $14,700 family
Out-of-pocket max$9,200 / $18,400 family
Doctor visit$25
Coinsurance30%
GigCare Thrive $5,000 HSA
Rate at enrollment
Deductible$5,000 / $10,000 family
Out-of-pocket max$8,500 / $17,000 family
Coinsurance30%
All plans require joining the Working Owners group: a 2-minute health survey each month that pays you $10/month.
These are self-funded association group plans, not ACA marketplace coverage. Eligibility depends on a short health questionnaire. Specialty medications are excluded on all plans. Rates shown exclude membership and admin fees, which are disclosed at enrollment.