Individual Healthcare Plans that can cost 10% to 40% less than comparable ACA plans.

Real medical coverage when you don't have an employer plan

Juniper Individual Healthcare opens group-level health plans on the Cigna nationwide PPO network to 1099 workers, freelancers, sole proprietors, and employees without workplace benefits.

Who qualifies

• 1099 workers and freelancers
• Self-employed and gig workers
• Sole proprietors and small business owners
• Consultants and entrepreneurs
• Employees whose employer doesn't offer health benefits

How it works

1. Join the community. Become an approved participant to unlock group-level plans.
2. Choose your coverage. Pick the plan, network, and coverage tier that fit your needs and budget.
3. Get covered. Finish enrolling online and start using your benefits on the 1st.

Enrollment is open. Compare plans and enroll.

Questions

Is this real health insurance?


Yes. Our major medical plans are comprehensive PPO plans with deductibles, out-of-pocket maximums, and coverage for emergency, outpatient, and inpatient care.. Limited benefit plans are a separate, lower-cost option with capped benefits, so they don't replace major medical coverage.

Can I keep my doctor?


If your doctor is in the Cigna PPO network, yes. The Open Network option costs less and lets you see any provider who accepts the plan's payment rates.

Can I cover my family?


Yes. Every plan has tiers for you alone, you plus a partner, you plus children, or your whole family. Not sure which plan is right?
We'll help you compare deductibles, networks, and premiums. Use our chat assistant, or call and talk with a licensed advisor..

An alternative to the ACA marketplace

When your work doesn't come with health coverage, the ACA marketplace is usually the first and only place people look. Since the enhanced ACA subsidies expired, many people face higher premiums and narrower networks...

Juniper offers another option. When you join our community, you get access to group-level plans and pricing that are normally available only through a large employer. You can choose major medical PPO coverage or lower-cost limited benefit plans.

Why members choose Juniper

• True medical plans. True medical plans, with tiers for individuals, spouses, children, and families..
• Cigna nationwide PPO. Cigna nationwide PPO. Keep your doctor if they're in the network, or choose the lower-cost Open Network.
• $0 copay prescriptions. Generic drugs, brand-name drugs, and a limited list of specialty drugs cost $0 on every major medical plan..
• No specialist referrals. See the specialist you need without waiting for a referral.
• Virtual care and a personal advocate. Telehealth and a CareGuide Advocate help you get care quickly.
• No-cost preventive care. Annual checkups and screenings are covered on every plan.

Major Medical PPO: comprehensive coverage


Choose from five PPO plans with deductibles from $3,500 to $10,000, including one HSA-eligible plan.. Every plan includes copays for primary care and urgent care, $0 prescriptions, and your choice of the Cigna PPO or Open Network.
 


From $551.81/month for one person..

Limited benefit: affordable everyday care


Two plans with a $0 deductible and fixed copays for doctor, specialist, and urgent care visits. A lower-cost way to start for people who mostly need routine care..
 


Starting at $150/month for self-only coverage.

Supplemental add-ons


Add Dental, Dental + Vision, Accident, Critical Illness, or Hospital Indemnity coverage to any medical or limited benefit plan.
 


Most add-ons cost under $20/month