REAL Affordable Health Care
(Exclusively for Independent Contractors)

Major Medical

IHA has made available comprehensive major medical plans specifically designed for Independent Contractors across the United States.  IHA provides you with a competitive choice to the government-run ACA health care marketplace, with a strong national network with PHCS. If you are an Independent Contractor in good health and want a health plan that has comprehensive coverage, great networks and, affordable premiums, then IHA is the place for you.

Please Note:
There is a new way to enroll in the IHA Health Medical Plans
Click ‘Request Information’ below to be contacted* about our plans and how to complete your Medical enrollment

*Make sure to check your junk/spam email folder for your next steps. Save the email address ‘support@ihahealth.com’ to get future updates and directions.

Major Medical Plan Options


Common Medical Benefit Terminology

Request Information

Click here to request Information on our Major Medical Products

Why our plans?
  • Lower cost. Great coverage without high premiums.
  • Exclusive. These plans are only available through IHA Health – This is the first time Group Major Medical plans have been made available to Owner Operators.

Dental & Vision

Sun Life’s Dental PPO product provides benefits to America’s workers and their families for preventive, basic and major dental services. Their dental plan covers a wide range of treatments, from routine cleanings to root canals and pays benefits based on a defined co-insurance percentage. Insureds have the freedom to choose any dentist, and by seeing an in-network dentist they can even reduce their out-of-pocket costs.

Watch Dental Video

Here is a short video on the Dental & Vision plans accessed through the IHA

Watch Vision Video

Here is a short video on the Dental & Vision plans accessed through the IHA

Dental & Vision Plan Options

Why Get Dental?

An overview of the Preferred $2,000 Dental Plan

Why Add Vision?

Learn more about the Vision Benefit

Why our plans?

  • Long Term Coverage. Members can keep their coverage, even if they retire
  • Child Orthodontia. Members children up to age 19 have a lifetime benefit of $1000 or 50% co-insurance, which ever is less
  • Vision Benefits. Fully insured vision benefits with coverage for eye exams and materials

Hospital Indemnity


When you, your spouse or child are facing a hospital stay, you can receive a benefit to help pay unexpected expenses not covered by your plan.


Watch Video

Here is a short video on the Hospital Indemnity plan accessed through the IHA

Hospital Indemnity Plan Options

Why our plans?

  • Helps cover related expenses. While health plans may cover direct costs associated with an illness or injury, you can use your hospital indemnity benefits to help cover related expenses like lot income, chold care, deductibles, and copays.
  • Pays cash directly to you. Hospital Indemnity insurance payments can be used however you want, and it pays in addition to any other coverage you may already have, and they are paid directly to you.

Term Life

How secure is your family’s future without you?
The last thing you or your family should have to worry about is the financial cost of losing a loved one. Funeral expenses, medical bills and taxes are just the tip of the iceberg. How would they cover ongoing living expenses such as the mortgage, healthcare and utilities?
You want what’s best for your family, and that includes making sure they’re prepared for the future. With term life insurance, you can provide financial security to help them cover their ongoing living expenses.

Watch Video

Here is a short video on the Term Life plan accessed through the IHA

Term life Insurance

Protect your Financial Interests

How you can add a safety net for your family with Life Insurance, accessed through IHA Health

Why our plans?

  • Guaranteed Issue Face Values. Members can get up to $200,000 in face value
  • Include your spouse and dependent Children. Member’s spouses can get up to $50,000. Children can get up to $10,000

Accident Insurance

No matter who you are, what you do or where you live, you could get hurt accidentally. It’s just the nature of life.
And accidents can come with costs, such as emergency room fees, doctor’s bills, and the costs of missing work. Even if you have good health insurance, deductibles and co-pays can really add up after an accident. Would you have savings available to pay these costs?
But with accident insurance, you can receive money paid directly to you to help with all the expenses of a covered accident. So you can focus on what really matters: healing.

Watch Video

Here is a short video on the Accident plan accessed through the IHA

Accident Plan Options

Why our plans?
  • 24/7 365 Coverage. At any time, anywhere, if you suffer an accidental injury, and seek medical attention, you can file and collect on your claim
  • Payable on your severity. We know that the more severe the injury, the longer you will miss work.  The Accident plan pays out on each injury, not just one lump sum.

Critical Illness Insurance

No matter where you are in life, you never know when you or a loved one could have a sudden illness. Fortunately, medical advancements and early detection are helping many people survive critical illnesses.
These technologies and tests can lead to increased medical expenses. With health insurance only covering some of these costs, an unexpected illness could make it difficult for you to pay your regular monthly bills, such as housing, utilities and child care.
Critical Illness insurance helps supplement your major medical coverage by providing a lump-sum benefit that you can use to pay the direct and indirect costs related to a covered critical illness.

Watch Video

Here is a short video on the Critical Illness plan accessed through the IHA

Critical Ilness Plan Options

Why Critical Illness Insurance?

What you and your loved ones should know about Critical Illness insurance

Why our plans?

  • Guaranteed Issue amounts. No medical questions, just coverage for you and (optionally) your family
  • Covers the major medical events. Heart attack,  stroke, cancer, organ failure, and more.

Contact IHA to learn more about our Dental, Vision, Hospital Indemnity, Term Life, Accident, and Critical Illness Plans!

Contact Us Directly at
(888) 376-9811

8 AM to 8 PM
Monday through Friday
Eastern Time Zone

  • Have one-on-one support
  • Increase your education on accessable benefits

*Availability and times are based on your resident state

Schedule with us
click here

8 AM to 8 PM
Monday through Friday
Eastern Time Zone

  • Schedule a time that works for YOU
  • Increase your education on accessable benefits

*Availability and times are based on your resident state

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Glossary of Terms
Coinsurance: A part of the insurance in which the insured (you or you insured family member) pays a share of the payment made against the claim (bill from provider).
Copay: A specific charge that your health insurance plan may require that you pay for a specific medical service or supply. For example: Your health insurance plan may require a copay for an office visit or brand name prescription drug, after which the insurance company often pays the remainder of the charges.
Deductible: A specific dollar amount that your health insurance company may require that you pay out-of-pocket each year on medical expenses before your health insurance begins to make payments for claims. Individual is for the plan with member sign-up only. Family is for the member plus all family to be insured on the plan.
HSA: A specific type of a PPO health insurance plan, generally having lower premiums and higher deductibles than a traditional PPO health insurance plan. This plan requires deductibles to be paid in full prior to health insurance making payments for claims. This includes regular doctor visits and prescriptions. This plan is also qualified for a Health Savings Account that may give end-year tax reduction benefits. Please consult your tax advisor. The IHA does NOT offer a Health Savings Account benefit.
Network: With a network plan, you’ll need to get your medical care from doctors or hospitals in the insurance company’s network for the best benefit. Services rendered by out-of-network providers may not be covered or may be paid at a lower level.
Out of Pocket Maximum: An annual (contract or calendar year) limitation on all cost-sharing for which patients are responsible under a health insurance plan. This limit does not apply to premiums, balance-billed charges from out-of-network health care providers or services that are not covered by the plan. Individual is for the plan with member sign-up only. Family is for the member plus all family to be insured on the plan.
PPO: Preferred Provider Organization. A type of health insurance arrangement that allows plan participants relative freedom to choose the doctors and hospitals they want to visit. Highest savings to the insured will be providers with in the plan network.
Preventative: Medical care rendered not for a specific complaint but focused on prevention and early-detection of disease.