GigCare Livelihood · Aetna · nationwide

GigCare Livelihood $3,500 HSA

HDHP · HSA-eligibleHSA

Aetna EPO and PPO plans for the self-employed in 39 states.

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Published monthly rates

The plan's published monthly contributions by age band. Membership and admin fees are added at enrollment.

Age band	Member only	Member + spouse	Member + kids	Family
18 – 29	$653	$1,115	$1,058^est.	$1,519^est.
30 – 44	$686	$1,198	$1,111^est.	$1,623^est.
45 – 54	$765	$1,309	$1,239^est.	$1,783^est.
55 – 64	$868	$1,487	$1,406^est.	$2,025^est.

Member-only and member + spouse rates are published; kids and family figures are our estimates (est.).

What you pay for care

Deductible (in-network)$3,500 / $7,000 family

Deductible (out-of-network)$7,000 / $14,000 family

Out-of-pocket max$8,300 / $16,600 family

Coinsurance (your share)20% in-network · 50% out-of-network

Doctor office visitNo copays — you pay deductible, then coinsurance (HSA rules)

Emergency roomDeductible + coinsurance if emergent · non-emergency ER not covered

Telehealth$0 via MyLiveDoc — 12 virtual primary-care visits, unlimited virtual urgent care, 4 mental-health triage visits per year

Preventive careCovered 100%

Prescription coverage

Pharmacy through Kroger Health. Preventive generics $0, other generics $5–$20 at retail (90-day mail order available), $0 generic insulin. Brand-name drugs are NOT covered under the base plan — members use ScriptCo wholesale membership (plan-paid, ~$6 per generic) or ScriptAide patient-assistance programs for brand medications. Specialty medications are excluded.

Worth knowing

Covers generic drugs only — brand-name and specialty excluded

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.