Health Insurance for
Transparent health insurance with better coverage, at a lower price.
Molli Health Plans
Three clear options to fit your needs and budget — individual and family plans available
Plan Pricing
No more guesswork
You should never have to guess how much your plan is going to cost.
Check if your provider is in-networkNote: When using the Cigna directory, select “Continue as guest” and “Continue without a plan” to search for providers.
Basic
per month
Deductible
Coinsurance
Out-of-Pocket Maximum
Copays
Prescription Medications
Pro
per month
Deductible
Coinsurance
Out-of-Pocket Maximum
Copays
Prescription Medications
* PCP visits and generic prescriptions are $0 through Vitable Virtual Primary Care
Notice: Please note that final rates may vary slightly based on actual enrollment.
High-quality
Coverage for
1099s
Molli helps you stay healthy
and spend less
lower cost than ACA plans
providers through Cigna PPO network
of members would recommend Molli to a friend
See The World's Best Doctors
Molli is in-network with top U.S. health systems
Built by independent professionals, for independent professionals.
The way we work has changed, but health insurance hasn't.
For independent professionals, the choices are bleak: overpriced ACA plans, bare-bones private coverage, or simply taking the risk of going uninsured. On the ACA marketplace, healthy members end up paying more to subsidize heavier users — driving up premiums for everyone.
We believe working for yourself shouldn't mean paying more for worse care. Independent professionals deserve the same high-quality coverage and fair pricing as employees at large companies. That's why we built Molli Health — a smarter insurance model that uses collective buying power to secure better rates and aligns incentives so you and your insurer both win when you stay healthy and spend less.
— Wyatt Stokesberry, Sam Hill, and Charlie Hill, Molli Cofounders
Molli's Cycle of Savings
A smarter health insurance model that keeps costs low for everyone
Molli keep claims low
by negotiating better rates and helping members spend smarter
Molli reinvests these savings
into keeping premiums low for members
More members = more bargaining power
as a growing group unlocks even better care rates
Low premiums = more members
as more independent professionals join Molli
How it Works
Enroll in just three easy steps
Step 1 — Complete Questionnaire
Answer some basic questions about yourself and your healthcare needs to confirm eligibility
Step 2 — Join Hive
Join Hive, a health-research company, as a partial owner with a K-1 tax status. This unique structure allows independent professionals to qualify for group health plans normally reserved for large employers.
Step 3 — Enroll in Your Plan
Once you're part of Hive, you'll be eligible for group insurance plans through Molli. Pick the coverage that fits your needs and complete enrollment to start your plan as soon as January 1, 2026.
Molli Members
Here's what other independent professionals have to say about Molli
The number one thing that stops talented professionals from starting their own business is the fear of losing health benefits. Molli gives founders, freelancers, and fractional leaders the freedom to build their business without sacrificing security.
Natalie H.
Fractional Strategic Operations Leader
I was overpaying for years on the ACA because I thought it was my only option. With Molli, my premiums dropped 25% and I actually get better coverage.
Ava R.
Freelance Web Developer
I needed a plan that covered my whole family without costing a fortune. Molli’s Cigna plan gives us access to great doctors and saves us hundreds every month.
Riley S.
Management Consultant & Parent
The number one thing that stops talented professionals from starting their own business is the fear of losing health benefits. Molli gives founders, freelancers, and fractional leaders the freedom to build their business without sacrificing security.
Natalie H.
Fractional Strategic Operations Leader
I was overpaying for years on the ACA because I thought it was my only option. With Molli, my premiums dropped 25% and I actually get better coverage.
Ava R.
Freelance Web Developer
I needed a plan that covered my whole family without costing a fortune. Molli’s Cigna plan gives us access to great doctors and saves us hundreds every month.
Riley S.
Management Consultant & Parent
FAQs
Still have questions?
We have answers.
The search for better insurance ends here
Enroll now to access Molli's health insurance.
Revolutionizing health insurance with transparent pricing and actionable insights.