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Solo Health Collective Reviews 

61
TrustScore 4.5 out of 5

4.6

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Review summary

Created with AI, based on recent reviews

Considering 38 reviews, reviewers overwhelmingly had a great experience with this company. Customers consistently praise the excellent customer service, highlighting the staff's professionalism, attentiveness, and helpfulness. Many people noted the quick response times and personalized support, making interactions pleasant and efficient. The overall service is described as easy to work with, simplifying the often-complex process of navigating healthcare. However, some customers noted concerns about the cost and comprehensiveness of coverage, with a few finding deductibles and copays to be high. Some people also felt that the plans were more akin to 'catastrophic healthcare' and a few experienced initial denials based on health conditions.

What people talk about most

Customer service

Reviewers mention positive feedback about customer service, consistently highlighting it as easy to access,... See more

Staff

Consumers find staff to be positive, with many reviewers highlighting the responsiveness, helpfulness, and... See more

Service

People report positive experiences with service, highlighting the helpfulness and accessibility of the... See more

Response time

Customers consistently note positive experiences with response times, highlighting the helpfulness and... See more

Price

Customers had ambiguous experiences with price, with some reviewers finding the costs to be high, citing... See more

Reviews shaping this summary

Rated 5 out of 5 stars

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

Rated 5 out of 5 stars

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

Rated 5 out of 5 stars

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

Rated 5 out of 5 stars

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

  1. Health insurance agency
  2. Health consultant

About Solo Health Collective

Written by the company

Solo-May-24-1

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

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Contact info

4.6

Excellent

TrustScore 4.5 out of 5

61 reviews

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Replied to 100% of negative reviews

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4.6

All reviews

(61)

44 reviews in the last 12 months

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Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

Rated 5 out of 5 stars
Solo Health Collective logo

Reply from Solo Health Collective

Thank you for sharing your experience with our support team! We aim to answer all inquiries same day and if not same day within 24 business hours! Thank you for being a member :)

Rated 5 out of 5 stars

Excellent Customer Service

Excellent Customer Service. I work with Kylie and she's always so helpful and super responsive. I used to hate dealing with insurance but I feel taken care of and am treated like a human being with Solo Health/Kylie.

20 March 2026
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Reply from Solo Health Collective

Hi Laura, Thank you for sharing your experience. We are so glad that you've gotten the care you need and deserve from Kylie. Health plans for businesses of one can be difficult to manage and we really aim to make it easier. We are happy that you're a part of Solo and if we can do anything to help in the future just let us know!

Rated 5 out of 5 stars

Super Support from Kylie M

Kylie M. was incredibly helpful and worked with me and my schedule to make sure that we had enough time to cover my questions. She made sure to follow up with an email to make sure I had all the links and documents in one place.

13 March 2026
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Reply from Solo Health Collective

Thank you so much for sharing your experience, we're glad that Kylie was able to help you with your questions about the plan. If you need help in the future, don't hesitate to reach out to Kylie or another member of our support team :)

Rated 5 out of 5 stars

Attentive, streamlined, and so easy to work with!!

Coming from another insurance company through the NYS marketplace, Solo's been so easy to work with and wish I switched sooner. It's been so simple and direct to get in touch, rather than a several day line of communication for simple answers from my previous company. The agent I worked with, Kylie, is incredibly helpful and responsive. I highly recommend to any freelancer trying to navigate health insurance on their own!

2 March 2026
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Reply from Solo Health Collective

Hi Helen! It's our goal to provider a higher level of customer support than traditional options for the self employed and we're so glad that was your experience! We're so glad to have you as a member and look forward to helping you throughout your time on the plan :).

Rated 5 out of 5 stars

Support is great

Support is great, price is great, benefits are great

5 February 2026
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Reply from Solo Health Collective

Thank you so much for sharing your experience! We strive to give business owners access to a great plan at a great price!

Rated 5 out of 5 stars

Unmatched Customer Service

Since signing up for my insurance - Kylie has been wonderfully attentive and informative whenever a question arises. Amazingly quick response time and availability to hop on a call has been something I’ve been pleasantly surprised by and never experienced with traditional insurance. THANK YOU!

29 December 2025
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Reply from Solo Health Collective

Hi! Thank you so much for sharing your experience with Kylie. We aim to get your questions answered thoroughly and quickly. As we grow customer support will remain a priority and at the forefront of everything we do. Thank you for sticking with us for another year :)

Rated 5 out of 5 stars

EXCELLENT SERVICE FROM MICHAEL BOWEN!

EXCELLENT SERVICE FROM MICHAEL BOWEN!

NO USED CAR SALESMAN TECHNIQUES. DIDN'T CALL ME 100 TIMES. ALLOWED ME TO SET THE TIME I WAS AVAILABLE TO TALK. MADE SURE OUR DOCTORS ARE IN NETWORK.

10 December 2025
Unprompted review
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Reply from Solo Health Collective

Hi Corey! Thank you SO much for your review about Michael's support & your experience. We think Michael is awesome & we're glad you had a great experience, don't hesitate to reach out to Michael or the team in the future if you need help with your plan :)

Rated 5 out of 5 stars

I had wonderful customer experience…

I had wonderful customer experience from Kylie, Allison and team as I explored options for healthcare coverage for my business. SOLO will be a useful option for us in the future as our needs evolve. The team was responsive, comprehensive and answered all my questions right away. Thank you!

21 November 2025
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Reply from Solo Health Collective

Hi April! Thank you so much for sharing your experience with Allison & Kylie! We look forward to helping you and your family in the future :).

Rated 5 out of 5 stars

For a self employed professional in NYC…

For a self employed professional in NYC - Solo is a no brainer. It's almost too good to be true. Highly recommend if it's right for you.

23 November 2025
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Reply from Solo Health Collective

Hi Alex! Thanks for the review, we're glad that you had a great experience on the plan, the network is very strong in NYC!

Rated 5 out of 5 stars

Love Love Love Solo.

Love Love Love Solo.
You guys are the best. So happy to have you guys on our side of the Health Care journey that is so often horrible.
Thank you for being so attentive and knowledgable for us.

21 November 2025
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Reply from Solo Health Collective

Hi Brian, Thank you for taking the time to write a reivew. We're glad that we've made a difference in your health plan experience and look forward to helping you and your family in the future :)

Rated 1 out of 5 stars

Great unless you have migraines or (mild) preexisting condition

I was really excited to try this vs. COBRA, as I'm building my own small business back up.

Looked amazing until I answered about having an autoimmune disease for which I take a cheap generic 2x/day. It immediately denied me.

Would be MUCH better if it was a more comprehensive intake and just paid more.

I read the reply to the other person's comment about the same, but even with the option to advocate, what an awful user experience.

Literally the things include a migraine med, that they cover in the formulary btw, and everything from autism to arthritis was in the list (and they listed autism as an autoimmune disease too). I'm 47 and former rugby player and skiier, of course I have arthritis.

I would fully expect to need to pay more but the immediate denial was shady. I guess it is legal b/c it is different than standard ACA rules, but the user experience would have been so much better explaining that in advance and not showing rates for decent insurance but then say "except for you".

17 November 2025
Unprompted review
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Reply from Solo Health Collective

Hi Tiffany, Thank you for bringing this to our attention. We would like to have the opportunity to learn more about your health situation and see if we can help advocate on your behalf. We are actively looking to improve the UX for those who may not be eligible to create a health plan for their business with Solo. We value your feedback, thank you for taking the time and sharing this with us. We can be reached by emailing support@hbgnow.com

Rated 5 out of 5 stars

10/10 would recommend

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 almost a year and it’s been great. Much more than expected. And the partnership with FitOn? You basically get a monthly credited class pass too! Thank you Solo.

12 November 2025
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Reply from Solo Health Collective

Hi David! Thank you so much for your review. We are committed to delivering a high level of customer service to our members & I'm glad that has been your experience. FitOn has been a great addition to the plan this year, we're excited to add more partnerships in 2026!

Rated 5 out of 5 stars

Great responsiveness and support

Great responsiveness and support, willingness to hop on calls and discuss plan questions. Nice additional benefits on top of the actual plan (ex. partnership with FitOn.

6 November 2025
Solo Health Collective logo

Reply from Solo Health Collective

Thanks for sharing your experience Jordan! We're happy you're enjoying FitOn - our members really seem to love it!

Rated 4 out of 5 stars

Went through the flow to price a plan

Edit: Solo Health Collective has now updated its process to address this concern. As the flow has meaningfully changed for solo business owners, I have considered the responsiveness of the Solo leadership team to this concern and the new process flow, which does not automatically decline coverage in the case I mentioned. I have not been compensated nor encouraged to change this review; I merely wish to ensure that posted reviews are accurate and the original concern was addressed

---

Went through the flow to price a plan, as a solo business owner. The price was presented, then when I took the next step, they asked whether anyone in the household was on a specific set of medications, probably as a proxy to determine if we had any of the more expensive medical conditions. In reality we might simply be ahem, losing weight... But upon saying "yes" to that question, I was immediately taken to a rejection screen that says :

"Thank you for your interest in the Solo Health Collective! While it seems Solo isn’t the right fit at the moment based on your responses..."

28 October 2025
Unprompted review
Solo Health Collective logo

Reply from Solo Health Collective

Thank you for sharing your experience, we completely understand how disappointing that message must have felt. Solo’s goal is to provide affordable, sustainable healthcare options for self-employed individuals, and part of that process includes medical underwriting to keep pricing fair for all members.

That said, we’d really like to take a closer look at your application and see if there’s anything we can do to help. Please reach out to our support team at support@hbgnow.com, we’ll review your situation personally and make sure you get clear answers and options.

We truly appreciate your feedback, it helps us continue improving how we serve business owners like you.

Rated 5 out of 5 stars

Great rates and great service

Great rates and great service! Im recommending to all my solopreneur friends.

24 October 2025
Solo Health Collective logo

Reply from Solo Health Collective

Thanks Mike! We appreciate your review & willingness to share us with your community!

Rated 5 out of 5 stars

A personal approach

A personal approach to finding the right plan for me and meeting me where I am with my health coverage need, Michael took the time to have a one on one conversation with me and then really spent time following up to make sure they could work with my current health providers, they really go out of their way and offer a very human experience!

14 October 2025
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Reply from Solo Health Collective

Hi Chloe, We're so glad you had a great experience with Michael! Customer support is extremely important to us at Solo & we're so glad that you were able to get the help you needed. Thank you for the review!

Rated 5 out of 5 stars

Great customer service too

Great customer service and was perfect while running my LLC. HSA eligibility was a huge bonus. Team was always responsive when I had questions.

1 October 2025
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Reply from Solo Health Collective

Hi Graham, We're glad you had a great experience on the plan, if you need us in the future let us know :). Thanks for the review!

Rated 5 out of 5 stars

Questions answered quickly.

I had questions about my eligibility status that were answered promptly and accurately. Kylie helped put me in the right mindset to prioritize my care.

1 October 2025
Solo Health Collective logo

Reply from Solo Health Collective

Hi Kyle, Welcome to Solo & thank you so much for sharing your experience, we're thrilled to have you on the plan. If you need help in the future, just let Kylie or another team member know - we're here to help!

Rated 5 out of 5 stars

I’ve had a wonderful experience with…

I’ve had a wonderful experience with Solo Health! The customer service has been above and beyond any other health provider that I’ve used in the past. Any time I’ve had a question, I’ve gotten to talk to a real person and have always received a timely response. My plan is more affordable than what I was paying previously, and I’ve been happy with the coverage I’ve received. I will definitely be signing up with them again next year!

9 September 2025
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Reply from Solo Health Collective

Hi Stephanie, Thank you so much for leaving a review. We're so glad that you've had a great experience & look forward to helping you in the future :)

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