As an Opolis member, you’re not just managing your freelance or solopreneur career— you’re part of a community with access to benefits that rival traditional employment.
Here’s a breakdown of the 2025 freelance health insurance options, dental and vision plans, and more, along with an updated guide on how to access these benefits.
Health Insurance Options for 2025
Opolis now exclusively offers health insurance plans for freelancers administered through Cigna, featuring access to Cigna’s largest National PPO Network. Members can choose from two categories of plans: Co-Pay Plans and High Deductible Health Plans (HDHPs), with both Premium and Value options available.
- Co-Pay Plans: Ideal for those who prefer predictable out-of-pocket costs.
- Premium Co-Pay Plan: Starting at $859.44/month (Employee Only).
- Value Co-Pay Plan: Starting at $420.69/month (Employee Only).
- HDHPs: Designed for those looking to pair their health coverage with a Health Savings Account (HSA) for tax-free savings.
- Premium HDHP: Starting at $590.29/month (Employee Only).
- Value HDHP: Starting at $390.97/month (Employee Only).
Pro Tip: HDHPs are HSA-eligible, letting you save pre-tax dollars for eligible medical expenses like prescriptions and copays.
How to Access for Members:
- Log into your Opolis account to review the benefits plans.
- Compare monthly premiums, pocket costs, and coverage details.
- Enroll in your health insurance plan during your plan year’s eligibility period or the annual Open Enrollment period, which typically runs from November- December each.
How to Access for Non-Members:
- Compare monthly premiums, pocket costs, and coverage details for our 2025 rates.
- Become an Opolis Member.
Dental and Vision Coverage: Essential for Dental and Eye Health
Beyond medical coverage, Opolis offers comprehensive dental and vision plans. Whether it’s a routine cleaning or a major procedure, the dental benefits provided by Principal offer flexibility with different coverage levels. For eye care, the VSP Vision Plan helps you stay on top of your eye health with annual exams, frames, lenses, and even contact lenses.
How to Access for Members:
- Visit the Opolis member portal to explore dental plans and vision coverage.
- See how the plans stack up in terms of monthly premiums and plan benefits for you or your family.
- Select the plan that meets your needs, whether for individual eye care or dental benefits for your whole family.
How to Access for Non-Members:
- Compare monthly premiums, pocket costs, and coverage details for our 2025 rates.
- Become an Opolis Member.
Maximize Savings with a Health Savings Account (HSA)
If you’re on an HDHP, you can open a Health Savings Account (HSA) to cover eligible healthcare expenses like eye care, dental, and prescriptions. You can contribute tax-free dollars, which can lower your taxable income and help pay for expenses without breaking the bank.
How to Access for Members:
- Log into your account to check your eligibility for an HSA.
- Set up automatic tax-free contributions from your payroll.
- Manage your HSA through the HealthEquity portal and use your funds for eligible expenses throughout the plan year.
How to Access for Non-Members:
- Compare monthly premiums, pocket costs, and coverage details for our 2025 rates.
- Become an Opolis Member.
Life, Disability, and Critical Illness Coverage
Disability coverage is often overlooked, but it’s crucial for individuals and families in the gig economy. Opolis offers disability insurance through Principal that pays a portion of your income if you’re unable to work due to illness or injury. You also have access to life insurance and critical illness coverage, ensuring financial protection for you and your family in tough times.
- Life Insurance: Includes $50,000 in coverage, doubled for accidental death.
- Disability Insurance:
- Short-Term Disability: Replaces up to 60% of income for up to 12 weeks.
- Long-Term Disability: Replaces up to 60% of income, up to $5,000/month, through Social Security Normal Retirement Age.
Critical illness plans also provide a cash lump sum for covered diagnoses like cancer, stroke, or heart attack.
How to Access for Members:
- Review the plan documents for life and disability coverage options.
- Enroll in the coverage that fits your needs during Open Enrollment or after a Qualifying Life Event.
- Keep in mind that waiting periods may apply before benefits kick in.
How to Access for Non-Members:
- Review coverage details for our 2025 rates.
- Become an Opolis Member.
Legal Counsel on Demand
Need legal advice without the hefty bill? With Opolis’s prepaid legal services from LegalShield, you can get affordable access to legal counsel for issues ranging from contracts to wills. You can even opt for small business support, making sure your entrepreneurial endeavors are legally protected.
Prescription Drug Discounts with Cigna/CVS
Prescription drug coverage through Opolis is now streamlined through Cigna Walgreens Core. Whether it’s maintenance medications or specialty drugs, you’ll benefit from competitive pricing and broad pharmacy access.
How to Access:
- Log into the Opolis portal to explore prescription coverage.
- Use the Cigna member portal to find participating pharmacies and price options for your medications.
- Take advantage of 90-day supply options for greater convenience.
Simplified Benefit Access & Enrollment
Opolis makes it easy to access all your benefits plans and manage them in one place. New members can sign up during their Initial Eligibility Period, and existing members can make changes during Open Enrollment or after a Qualifying Life Event (like marriage or having a child).
How to Access All Benefits:
- Go to commons.opolis.co to log in, review, and select your plans, such as vision plans, disability coverage, freelance health insurance, or health savings accounts (HSA).
- View detailed plan documents, compare options, and enroll with just a few clicks.
- Keep track of your coverage through the Opolis portal and make changes as needed.
- Don’t have an account yet? Become an Opolis Member.
Why Choose Opolis?
Opolis simplifies and elevates the experience of being self-employed by providing access to Cigna’s largest PPO network, tax-saving opportunities with HSAs, and legal counsel through LegalShield. With tools like these, freelancers and solopreneurs can focus on building their careers while enjoying benefits that traditional employees take for granted.
Managing your benefits is simple, and accessing them is just a few clicks away. So, whether you’re safeguarding your income, staying on top of your eye health, or putting away tax-free dollars for healthcare, Opolis has your back!
Review current benefit plan offerings from Opolis, and make sure to check back during Open Enrollment each year for new rates.
Reach out to us at [email protected] to choose your benefits today!