Allison and Brian were incredibly responsive and helpful when we signed up for Solo Health Collective. They went above and beyond, making time for phone calls whenever we had questions. The same was t... See more
Company replied
While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more
To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more
Review summary
Created with AI, based on recent reviews
What people talk about most
Reviews shaping this summary
The option for a personal help/concierge has changed my health and wellness life. Kylie is my rep and has been extremely responsive and helpful. Every small question and request she has always gotte... See more
Company replied
I have only been on the Solo plan for a few months but everything has worked well so far. I have been able to go to my existing doctors, both in-network and out-of-network. When I have needed assistan... See more
Company replied
Kylie and the entire team at Solo are top notch in professionalism, communication and service. Working as an entrepreneur can be tricky when it comes to health insurance, but we have been members for... See more
Company replied
Company details
About Solo Health Collective
Written by the company
Solo Health Collective is a first-of-its-kind health plan solution built exclusively for independent professionals and solopreneurs. We believe that being self-employed shouldn’t mean sacrificing healthcare quality or affordability. That’s why we created a smarter, more cost-effective, and transparent alternative to traditional insurance.
Solo members gain access to a national PPO network (MultiPlan PHCS), a major medical plan, and prescription drug coverage. Members establish their own self-funded health plan and join the Vault Health Captive—a regulated insurance entity. This structure not only lowers costs but also empowers members to take control of their health spending, with plans that prioritize both freedom and financial sustainability.
We serve a growing base of independent businesses across the country and are rapidly expanding through strategic partnerships with organizations like the Freelancers Union and Rlty.co. Members can choose from three deductible tiers—including two HSA-eligible options —and enjoy coverage that includes preventive care, maternity, urgent care, mental health services, and more.
All plans are supported by our white-glove concierge team, ensuring expert support with claims, eligibility, and provider coordination. Our members also benefit from an open network option, allowing them to see any provider willing to work with Vault—even outside the PPO.
Whether you’re a freelancer, consultant, real estate agent, or creative entrepreneur, Solo is built with your independence in mind. We help you navigate the healthcare system with confidence—and reward you with simplicity, savings, and trusted support every step of the way.
Create Your Plan Today
Have Questions?
Contact info
United States
- hbgsolo.com
4.6
Excellent
61 reviews
Asks customers to review
This company invites their customers to review, whether positive or negative
Replied to 100% of negative reviews
Typically replies within 24 hours
How this company uses Trustpilot
See how their reviews and ratings are sourced, scored, and moderated.
Excellent customer service
The plan is accepted by a very large network of providers, AND is valid all over the country. The customer service team is easy to access and very helpful in answering all my questions and helping to navigate access to healthcare services and providers. They have helped reduce a lot of the anxiety surrounding accessing healthcare.
14 July 2026
Reply from Solo Health Collective
Thank you so much for leaving a review! We're so glad that you have had a positive experience with our support team and that the nationwide PPO network has been working for you! If you need help in the future just let us know :)
Above and beyond reaching out to the…
Above and beyond reaching out to the healthcare provider and advocating/ensuring I could be seen with RUSH given i'm established with that network.
14 July 2026
Reply from Solo Health Collective
Hi Paul, thank you for taking the time to leave a review for us! We know how important it is to be able to see provider's that you trust and have a relationship with - we're glad it has worked out for you to see your RUSH providers! If you need us in the future just let us know!
Feeling Supported by actual humans and not just a computer
Having an actual human designated to help me navigate the health care system is unique and Kylie is so helpful and attentive and prompt in her responses.
7 July 2026
Reply from Solo Health Collective
Hi Lara, thank you for sharing your experience with Kylie! Our team strives to make every interaction with a member helpful and informative. If you ever need us in the future just let us know!
Very easy process and great benefits…
Very easy process and great benefits when you need them!!
2 July 2026
Reply from Solo Health Collective
Hi Mike, thank you for sharing your experience with us! We're glad that you've found your benefits easy to use and helpful :). If you need anything in the future just let us know!
Reply from Solo Health Collective
Thank you so much for sharing your experience with Kylie! If you have any customer support needs in the future just let us know :)
Much higher than having no insurance
It's basically catastrophic healthcare. The deductibles and copays are high and even "covered" services are 100% the patient's responsibility (on top of the high co-pays) until the deductible is met. Other insurance companies I've had would pay a portion of each bill before the deductible, so we were never paying more than an out-of-pocket cost, but my husband just had physical therapy with an in-network provider that ended up being $445 for per session, whereas out-of-pocket/no insurance would have been $135 per session. That's an extra $310 per session than if we had no insurance. How the insurance company even allows that as the negotiated rate is beyond me, but definitely wouldn't recommend this insurance.
15 April 2026
Unprompted review
Reply from Solo Health Collective
Thank you for taking the time to share your experience. We're sorry to hear about the frustration and confusion surrounding your husband's physical therapy costs — we understand how stressful unexpected medical bills can be.
We want to clarify that the costs described may reflect how deductible-based plans work, where in-network negotiated rates apply to services before the deductible is met — meaning the full contracted rate (not the provider's standard cash price) is billed to the member. It's also important to note that we do not control what a provider chooses to bill for their services. We recognize this can feel counterintuitive, and we take your feedback seriously.
That said, we'd love the opportunity to review your specific situation and make sure everything was processed correctly. Please reach out to us directly at support@hbgnow.com, and one of our team members will be in touch to walk through your claims and to assist you through this process.
Reply from Solo Health Collective
Thank you so much for your review! We aim to provide excellent customer service in every interaction that we have with our members :)
Kylie makes medical help possible
The option for a personal help/concierge has changed my health and wellness life. Kylie is my rep and has been extremely responsive and helpful. Every small question and request she has always gotten back to me in at least 24 hours. She's provided me so many solutions in my short time with this insurance coverage.
Don't know how I ever lived without this kind of service. I finally feel good about paying an insurance bill.
23 April 2026
Reply from Solo Health Collective
Hi Brock, thank you so much for sharing your experience with Kylie! Our team always strives to go above and beyond for our members and we're glad that has been the case for you. If you have any questions or need help going forward just let us know! Thank you for being a part of the Solo community!
Excellent company and health plan
The company was so easy to work with, from signing up for a health plan to canceling due to my change in employment. They were responsive, transparent, and helpful every step of the way. While I only had a Solo plan for a short time, I thought it was an excellent value for good coverage. I would have been happy to keep this plan but became ineligible once I started a W2 job.
31 March 2026
Unprompted review
Reply from Solo Health Collective
Hi Sean! Thank you so much for taking the time to leave a review. We're so glad to hear that you had a great experience while being on Solo and wish you the best with your next job! If you need our services in the future - just let us know!
Truly thoughtful customer service
I've had a great experience with Solo Health since joining at the end of last year, but recently had an especially great experience with them. I was in a tricky situation where I needed an operation and wanted it to be performed by a specialist who I trusted, who only operates at hospitals that are OON with my solo plan. I was able to get fast, meaningful hands on support from various people at Solo and Fairos (shout-out to Allison and Katie!) which made the operation possible and I can't thank them enough for the time and care they gave me. Their customer service is unlike anything I've experienced at other insurance companies.
28 April 2026
Reply from Solo Health Collective
Hi Sarah! Thank you for sharing this. We're so glad you were able to get your surgery with a provider you could trust - even if they were out-of-network. Situations like yours are exactly why we have a concierge support team. Being self-employed shouldn't mean having to choose between the specialist you trust and the coverage you're paying for. I'm so glad to hear that Allison and Katie were able to step in, work through the details, and make it happen. Thank you for taking the time to share your experience, and we hope your recovery goes smoothly.
Very helpful and quick to resolve the…
Very helpful and quick to resolve the issue! Customer service was great!
6 April 2026
Reply from Solo Health Collective
Thank you for sharing your experience with our team, we're thankful to have you as a member. If you need help in the future, just let us know!
Fantastic Experience
I only worked with Solo for a couple months, but I would recommend it to anyone who is freelancing. Kylie was incredibly responsive and helpful through every step.
7 April 2026
Reply from Solo Health Collective
Thank you so much for sharing your experience with being on the plan & with Kylie's support! If your needs change in the future, let us know - we're always happy to help :)
Great customer support
I have only been on the Solo plan for a few months but everything has worked well so far. I have been able to go to my existing doctors, both in-network and out-of-network. When I have needed assistance, the Solo support team, in particular Allison, Kylie, and Michael, has been very responsive and effective. Thanks and I look forward to the rest of the year.
30 March 2026
Reply from Solo Health Collective
Hi Daniel, Thank you so much for taking the time to leave a review. We're glad that we've been able to support your needs on the plan and look forward to working with you in the future! If you need help with anything just let any of us know :).
Good coverage
Good coverage. Prompt customer service. Only issues: Twice I got other peoples insurance cards in the mail. Twice was strange and shows lack of attention to detail.
6 April 2026
Reply from Solo Health Collective
Thank you for the kind words about our coverage and customer service, that means a lot to us. You're right to call out the ID card issue. We're actively evaluating our ID card fulfillment process to make sure this doesn't happen again. We appreciate you flagging it, and we're glad to have you as a member.
Lovely service
The representatives are always friendly, helpful and on-call, in a way I've never experienced with any other provider.
1 April 2026
Reply from Solo Health Collective
Hi Avery, Thank you so much for this wonderful feedback! We're thrilled to hear that our team has made such a positive impression, being genuinely accessible and helpful is something we work hard to deliver every single day. Reviews like yours remind us why we do what we do. We're so glad to have you as a member!
Reply from Solo Health Collective
Thank you so much for sharing your experience with our support team!
above and beyond
above and beyond. best customer service I have ever experienced for a health care company!
31 March 2026
Reply from Solo Health Collective
Thank you for taking the time to leave a review! Our goal is provide outstanding customer support to all members. Let us know if we can help with anything in the future :)
Kylie is the best!
30 March 2026
Reply from Solo Health Collective
We are lucky to have her on the team, we're glad she has been able to help you!
Kylie is so quick to respond and so…
Kylie is so quick to respond and so incredibly helpful. It is always a great experience when I need here assistance!
30 March 2026
Reply from Solo Health Collective
Thank you, this genuinely means a lot to us! Quick, helpful, and actually pleasant to deal with - that's the bar we hold ourselves to at Solo, and we're so glad it's showing up in your experience. Self-employed life is busy enough without your health plan being a headache.
We appreciate you being part of the Solo community!
Kylie has been phenomenal from day one!
Not only did she guide me from the start and work with me through the setup process, she's always been reachable and quick to respond to lingering questions I've had. Additionally, my work situation has been rather chaotic and I've had to reach out to her to adjust things multiple times and she's always done this so willingly and pleasantly. I can't say enough good things about working with her!
24 March 2026
Reply from Solo Health Collective
Hi Kristin,
Thank you so much for taking the time to review your experience with Kylie. Navigating healthcare as a self-employed business owner is already complicated, and we know life has a way of making things even more unpredictable. We're so glad the experience has felt supportive rather than stressful, especially through the changes you've needed to make along the way.
This is exactly the kind of relationship we set out to build with Solo members, not just handing you a plan and disappearing, but actually being there when it matters. Reviews like yours remind us why that matters.
If you need us in the future please reach out to Kylie or any of our other team members :)
The Trustpilot Experience
Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.
Companies can ask for reviews via automatic invitations. Labeled Verified, they’re about genuine experiences.
Learn more about other kinds of reviews.
We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.
Learn about Trustpilot’s review process.
Here are 8 tips for writing great reviews.
Verification can help ensure real people are writing the reviews you read on Trustpilot.
Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.