Apollo Health Insurance | 1099 & Independent Professional Coverage
In Partnership With
(816) 656-3249 Get Insured Today
1099 · Gig Workers · Self-Employed Professionals

Fortune 500 Health Benefits — Built for the Independent Professional.

Apollo, Holmes Murphy, and DetegoHealth have partnered to bring Fortune 500-level health solutions directly to independent workers — no W-2 required.

📞 Call (816) 656-3249

Schedule Your Free Consultation

Pick a time that works for you — no obligation.

No W-2 Required
Year-Round Support
Dedicated Advisors
3 Flexible Plan Options
Free Consultation
Coverage for the Gig Economy

Breaking the Mold: Built for How You Actually Work

Traditionally, top-tier health management plans were gatekept by large corporations. This partnership changes that. By combining Apollo's distribution, Holmes Murphy's advisory expertise, and DetegoHealth's innovative plans, we've created a clear pathway for independent workers to access premium coverage.

No W-2 Required

Designed specifically around the flexibility of 1099 income. Your work structure is never a barrier to coverage.

Guaranteed Pathways

Educational guidance on navigating qualification requirements — without corporate HR red tape slowing you down.

Year-Round Support

Holmes Murphy acts as your dedicated overflow call center — a real advocate whenever you need help navigating your benefits.

The Solutions

Comprehensive Health & Wellness Solutions

Speak with our advisors to find the plan tailored to your specific needs and budget.

IronHealth

Everyday Health Benefits
  • Preventative care focus
  • Accessible virtual health options
  • Streamlined primary care
  • Designed to keep you working and healthy
Most Comprehensive

DetegoHealth

Complete Healthcare Navigation
  • Transparent medical management
  • Member advocacy included
  • Catastrophic event protection
  • No traditional network restrictions

Population Science Management

Data-Driven Proactive Wellness
  • Chronic disease management
  • Targeted wellness programs
  • Personalized health roadmaps
  • Improved long-term outcomes
IronHealth Plan Benefits

What's Included — At a Glance

IronHealth plans are built on a major medical structure administered through PSM Thrive and PSM GigCare plan designs. Speak with an advisor to find the right tier and network for your situation.

Available Networks
Blue Cross Blue Shield
Nationwide PPO & EPO Network
Aetna
Nationwide PPO Network

Plan Tiers & Structure

PPO Thrive — Lower Deductible
Plan TypePPO
Deductible TierLower
Out-of-Network Access✓ Yes
In/Out-of-Network Separate✓ Yes
HSA Eligible✗ No
Copays Available✓ Yes
Best for those who want predictable copays and occasional out-of-network flexibility.
PPO Thrive — Mid Deductible
Plan TypePPO
Deductible TierMid
Out-of-Network Access✓ Yes
In/Out-of-Network Separate✓ Yes
HSA Eligible✗ No
Copays Available✓ Yes
A balanced option — lower monthly cost with PPO flexibility still intact.
EPO Thrive — Higher Deductible
Plan TypeEPO
Deductible TierHigher
Out-of-Network AccessEmergency only
In/Out-of-Network Separate✗ N/A
HSA Eligible✓ Yes
Copays Available✓ Yes
Ideal for healthy individuals wanting the lowest cost with HSA savings ability.

Covered Benefits & Cost-Sharing

Primary Care Visits
Fixed Copay
Deductible waived for initial office evaluations on eligible plans
Specialist Visits
Fixed Copay
In-network specialist care with a flat copay — no deductible surprise
Urgent Care
Fixed Copay
Copay varies by plan tier — ask your advisor for your specific amount
Physical / OT / Speech Therapy
Fixed Copay
Session limits apply by plan tier (PPO: up to 20/yr · EPO: up to 15/yr)
Preventive & Wellness
100% Covered
Routine physicals, pediatric immunizations & ACA preventive screenings — fully covered in-network
HSA Compatible Option
Available
The higher-deductible EPO tier qualifies for a Health Savings Account — tax-advantaged savings for medical costs
Your Advisory Team

Expert Guidance is Just a Click Away

Navigating health benefits as an independent worker can be overwhelming. That's why Beau Reid and the team at Holmes Murphy act as your dedicated advisors. We don't just sell plans — we educate you on how to maximize them.

Book a Free Strategy Session

Apollo Health Insurance

Your trusted distribution partner — connecting independent professionals to premium health solutions nationwide.

Holmes Murphy

Your dedicated advisors and support center — real advocates who help you navigate every step of your coverage.

DetegoHealth

Your innovative plan provider — built for flexibility, transparency, and modern healthcare management.

Ready to Secure Your Health?

Stop worrying about coverage and get back to growing your independent business. Speak with our experts today to see which plans you qualify for.

Book Your Strategy Session Now
+1 (816) 656-3249

Holmes Murphy — Beau Reid

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