As the calendar flips into 2025, it’s time to talk about everyone’s favorite topic: insurance updates! Okay, maybe not your favorite— but here’s why you should care. Opolis has pulled out all the stops this year to bring our members better freelancer insurance options, streamlined access, and, yes, even some cost-saving opportunities.
Let’s dive into the good stuff.
Cigna Takes Center Stage
Big news: starting in 2025, Opolis is directly contracting with Cigna, one of the top insurance companies. This shift replaces the Imagine360 network and simplifies how you access benefits. No more third-party app headaches! Now, with just a single Cigna login, you’ll have access to one of the largest national PPO networks available to freelancers and solopreneurs.
The Premium High Deductible Health Plan is getting an upgrade with lower out-of-pocket costs and monthly premiums, while rate increases remain below the national average at a modest 10%.
Meanwhile, the revamped Value High Deductible Health Plan steps into the spotlight as our most affordable option, giving you access to the same extensive Cigna network.
These deductible health plans include preventive care covered in full and health savings accounts (HSAs) for tax-free savings on eligible expenses.
Affordable Health Insurance for Freelancers and Solopreneurs
We get it: navigating health insurance as a freelancer, solopreneur, or small business owner can be maddening. That’s why Opolis is laser-focused on providing group health insurance for the self-employed that’s comprehensive and easy to use.
Whether you’re looking for medical insurance for freelancers, freelance business insurance, or health insurance for small business owners with no employees, the 2025 plans have something for everyone. Coverage options include plans designed for individuals and family members, giving you flexibility to choose the type of plan that fits your life.
Because the network is so extensive, no matter where you live or work, you’ll likely find coverage options that meet your needs, even if they vary by state.
Pharmacy Perks with Cigna Walgreens Anchor
Walgreens is now your go-to spot for prescription savings. Forget last year’s warnings to avoid Walgreens— this year, it’s your best bet for affordability. Cigna’s partnership with Walgreens also brings clarity to medical costs: set copays replace percentages for many brand and non-preferred drugs, so you know exactly what you’re paying.
Have specialty medication questions? Our Membership team is on standby to guide you through the transition.
Dental, Vision, and Disability Updates
Stay covered from head to toe with updates on dental, vision, and disability plans designed to protect your health and income:
- Dental: Plans offer consistent coverage with Principal, offering affordable options whether you need basic or orthodontic care. The Premium Dental Plan is still a crowd favorite, with just a 3% rate increase— far below inflation.
- Vision: With only an 8% increase, Opolis’s VSP Choice Vision Plan continues to deliver better value than standalone VSP plans.
- Disability Insurance: Short-term disability costs shifted slightly, now at $0.07 per unit, while long-term disability premiums rose by 10-11%, depending on age. Still, these benefits remain vital for protecting your income when life throws curveballs.
Critical Illness, Accident, and Hospital Indemnity Plans
Sometimes, life hits hard. Opolis’s voluntary benefits have your back when the unexpected happens:
- Critical Illness Insurance: Covers major events like a heart attack or stroke, with payouts up to $30,000.
- Accident Insurance: Provides smaller but meaningful payouts— think $200 for stitches or thousands for hospital admissions.
- Hospital Indemnity Insurance: Perfect for high-deductible plan members, offering lump-sum payouts for hospital admissions and daily confinement.
These plans offer flexibility to handle medical conditions and unexpected medical costs.
Life Insurance Without the Hassle
For the first time, Opolis offers 10- and 20-year term life insurance plans with no health questions required. That’s right— no lengthy forms, no intrusive exams. At the end of your term, you can convert your policy with the life insurance company to permanent coverage, ensuring long-term protection for you and your family members.
Legal and Emotional Support for Independent Workers
Your benefits don’t stop at health insurance:
- LegalShield: Offers access to lawyers for everything from contracts to traffic tickets.
- Employee Assistance Program (EAP): Provides free counseling and well-being coaching for life’s challenges.
Open Enrollment: Mark Your Calendar
This is your one chance to review your coverage and make changes without a qualifying event. Don’t procrastinate— if you’re already a Member, head to your dashboard at commons.opolis.co to lock in your elections for 2025. And if you’re new, browse plans here!
Why This Matters
As a freelancer, solopreneur, or independent worker, managing insurance costs and coverage options can feel overwhelming. But with Opolis’s updated plans, you’re not just covered— you’re empowered. From group health insurance for the self-employed to freelance liability insurance, Opolis is redefining what it means to take care of employed individuals and independent professionals.
So go ahead, make 2025 your healthiest and most secure year yet— with Opolis by your side.Reach out to [email protected] to get started!