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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 is the best!

Michael is the absolute best. As it is my first year with Solo, I have had many questions along the way and the customer support team is excellent. He was extremely communicative, patiently explained all the answers to my questions, and gave very speedy responses. Between the affordable coverage and excellent customer service, Solo has been a game changer as a business owner.

2 September 2025
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Reply from Solo Health Collective

Hi Erin! Thank you for your review, we're so glad that Michael has been able to help you while using the plan. We're always here to help, so if you need anything in the future just let us (or Michael) know :).

Rated 5 out of 5 stars

I've had a fantastic experience and am…

I've had a fantastic experience and am saving SO MUCH compared to what I was paying on COBRA... My only feedback is I wish they did some advertising or something so I could've learned about them sooner! I've shared with many freelance/contract/self employed friends as well.

22 July 2025
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Reply from Solo Health Collective

Hi Shane! Thank you so much for your review and for sharing Solo with your community - we really appreciate it. Please let us know if you need help with anything in the future :)

Rated 5 out of 5 stars

Excellent customer service

When I was looking for in-network care away from home, the customer service team helped me find a doctor who was in network and close by. I was amazed to get personalized assistance when I emailed for help.

15 August 2025
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Reply from Solo Health Collective

Hi Laura, No one likes to need care when they're away from home & we're so glad that we were able to help you. Wishing you a speedy recovery, please let us know if we can help in the future!

Rated 5 out of 5 stars

Great service from Solo Health Collective!

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 true of Michael, who walked me through claims submissions with patience and good humor. In short, Solo Health’s customer service is excellent. Highly recommend!

30 July 2025
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Reply from Solo Health Collective

Hi Karen, Thank you so much for sharing your experience. Our team aims to be quick to respond, while also providing great service and honest answers. If you need anything in the future, just let us know :)

Rated 5 out of 5 stars

Great customer experience

Great customer experience, easy to sign up and manage care, and much wider provider coverage than the state marketplace plan I was on previously

28 July 2025
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Reply from Solo Health Collective

Hi Larissa! Thank you so much for your sharing your experience, we're glad that you found value in our nationwide PPO network!

Rated 5 out of 5 stars

Great customer service

Great customer service, excellent rates for solopreneurs, and appreciate the correspondence from their team especially given how other health insurance programs seem to not care about their customers.

25 July 2025
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Reply from Solo Health Collective

Hi Dr. SS, thank you for the review! We really strive to have exceptional customer support every step of the way and are so glad that has been your experience! If you need anything in the future, just reach out - we're always here to help :)

Rated 4 out of 5 stars

No complaints so far

My normal doctors still accept this insurance, so it's been a fairly easy transition. I like knowing my max out-of-pocket. I've not needed it for any large surgery or event, so can't speak to that, but overall - it's fine so far.

15 July 2025
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Reply from Solo Health Collective

Hi Bree, We're glad to hear that your providers are in-network and that you've had an easy transition with the Solo Health Collective plans. If you ever need our help in the future, please let us know - our team is always happy to help! Thank you for sharing your experience!

Rated 5 out of 5 stars

Get HBG solo insurance!!

It took 10 minutes total to find out what my rate would be and enroll. It's cheaper than my previous insurer and has a lower deductible. We've been on the plan for over 2 years and are very satisfied with the service. Highly recommend to all my fellow small business owners!

4 June 2025
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Reply from Solo Health Collective

Hi Sam, We love hearing this! That’s exactly what Solo was built for. Since each business creates its own self-funded plan, we’re able to keep costs low and coverage strong. We’re thrilled you’ve been with us for over two years and truly appreciate the recommendation. Thanks for choosing Solo. We’re honored to be your plan of choice now and into the future

Rated 1 out of 5 stars

Preexisting condition = coverage denial

I'm not sure how it is legal, but this company denied me coverage because/c I have an autoimmune thyroid disease. I pay about $5 out of pocket for my generic levothyroxine each month and have an ultrasound once a year. Not sure how this even really qualifies as a significant expense for the insurance, but mostly it is illegal to deny on preexisting conditions.

2 July 2025
Unprompted review
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Reply from Solo Health Collective

Hi Ally,

Thank you for sharing your feedback, we’re sorry to hear about your experience and want to offer some clarity and support.

Solo is a form of business insurance. When a business applies to join, it establishes its own self-funded health plan. That means any expected claims must be supportable within the total projected cost for that business. Underwriting decisions aren’t personal, they’re based on whether the business can sustainably fund its plan over time.

That said, underwriting isn’t always black and white. HBG (which operates Solo) can appeal decisions directly to Vault (the carrier) Underwriting, and exceptions are sometimes made based on additional review.

We’d be happy to advocate for your case and walk you through that process. Please reach out to us at support@hbgnow.com or give us a call (888-655-4053), we’re here to help.

-The Solo Health Collective Team

Rated 5 out of 5 stars

Great alternative to expensive marketplace insurance in NYC.

I was skeptical at first. But when I got a quote from HBG Solo, it was literally HALF of what I'd been paying for the cheapest plan available on the New York State Health Exchange. So I decided to give it a shot, and about 8 months later, I'm so glad that I did!

I had a couple issues with the claims for my annual physical at OneMedical and associated lab work, and Allison personally made sure that my claims got updated and re-processed. By far the best service I've ever gotten from an insurance company.

18 June 2025
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Reply from Solo Health Collective

Thank you for the review and for taking the chance on us! We love hearing stories like this :)

Rated 5 out of 5 stars

Great customer service

Great customer service! Kylie was fantastic.

16 June 2025
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Reply from Solo Health Collective

Thank you so much for the review! We strive to provide exceptional customer support every step of the way, reach out if you need anything in the future :)

Rated 5 out of 5 stars

Very easy to work with

Very easy to work with, quick responses & great coverage. Would highly recommend to any other entrepreneurs!

25 June 2025
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Reply from Solo Health Collective

Thank you for sharing your experience! Timing of responses is very important to us especially when you're trusting us with your healthcare :)

Rated 5 out of 5 stars

Can't recommend solo enough

Can't recommend solo enough! Its a real PPO at reasonable rates. My area had zero, literally zero, Doctors in network with my previous plan, best we could get was a nurse practioner seeing patients. But solo got me access to the doctors I know and trusted when I had major corporate health insurance. I basically wasted my money with the other insurance and now I'm getting tremendous value. They had an extremely ambitious launch and while there were hiccups the team all the way to the CTO himself were extremely responsive. The best part is when you zoom out, the tiny glitches on the website don't matter cause now I can rest assured knowing my family is covered just as well as if I still worked for a top tier corporation. That's what matters.

6 June 2025
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Reply from Solo Health Collective

Hi! Thank you so much for the review — we truly appreciate your transparency and communication during the launch of the member portal :). We're so glad to hear you're having a great experience overall and are finding excellent in-network providers! As always, if you need anything, don't hesitate to reach out — our team is happy to help!

Rated 5 out of 5 stars

a much-needed lifeline for freelancers

As a freshly minted solopreneur, there is a slew of uncharted administrative duties to work through. Healthcare was the last one looming and I had been scrolling with dread through state and private websites trying to find something that didn't consistently cost an arm and a leg. When a friend suggested I look at Freelancer's Union for resources, I was so relieved to find something more affordable. I felt it might be too good to be true, since I couldn't find many online reviews. I booked a consultation call with Kylie and she allayed my fears, explaining that the company is quite new while outlining all their qualifications and answering all my questions. It is so refreshing to have simplified options paired with responsive customer service to demystify such an otherwise confusing marketplace. The policies are a perfect fit me, being healthy and on a budget, but still wanting regular checkups and enough of a safety net for emergencies. Enrollment was easy and painless - looking forward to seeing how well the plan works!

30 May 2025
Unprompted review
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Reply from Solo Health Collective

Hi Yecca! Thank you so much for your thoughtful review. I'm so glad we were able to work together to find a plan that works well for you! If you need anything in the future, just let us know - we're here to help! -Kylie

Rated 5 out of 5 stars

Easy to do business with.

Brian was awesome. I reached out via email regarding a billing issue and he helped me right away. I was wondering how responsive they would be by email, and I received a response early the next business day! I am happy with my relationship with Solo Health.

29 May 2025
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Reply from Solo Health Collective

Hi! We're so glad that Brian was able to help you quickly. We pride ourselves on our customer support & response times. Please let us know if you need anything in the future - Brian and the rest of the Solo team are here to help :)

Rated 5 out of 5 stars

Continue to appreciate Solo's…

Continue to appreciate Solo's responsiveness and high level of customer service! I actually feel like I have an ally in navigating the complexity of insurance and the whole medical ecosystem. It it truly so appreciated to know that when I send an email it is not going into the void. Thank you!

15 May 2025
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Reply from Solo Health Collective

Hi Frances, thank you so much for the review! I'm so glad that you feel supported by our team. Customer support is our #1 priority.

Rated 5 out of 5 stars

I've been a member of Solo for a coming…

I've been a member of Solo for a coming on for two years now! It has been a great experience generally, it has reduced out monthly costs a lot and given us a wider network of providers to see. I also love how it is HSA eligible. It basically works like any other high deductible plan but it costs a lot less.

5 May 2025
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Reply from Solo Health Collective

Thanks for the review Toby! We are thrilled to have you on the plan for another year. If you need help in the future - let us know, we're always happy to help :)

Rated 5 out of 5 stars

HBG Solo - The best around!

Solo Health is the best! As an entrepreneur, I have always had trouble finding the right health care team. Until I found HBG. HBG Solo makes it so easy for me to find the right doctors and offices around me to take care of my body and mind. Their team is so responsive, and takes the hassle out of the health insurance world. I have and will continue to recommended them to my friends, family and co-workers.

6 May 2025
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Reply from Solo Health Collective

We're so glad that you've had a great experience with us as your health plan provider!

Rated 5 out of 5 stars

Strong Support Team and Assistance Navigating Healthcare

Health insurance always felt so confusing to me! As a freelancer/small business owner finding adequate coverage has always been difficult. Solo Health Collective made everything easy to understand, and what really stood out was how far their team went to help. I cannot say enough good things about the team, especially Kylie. They even called my doctor directly to confirm coverage. It was the first time I felt like I was working with people who understood my needs instead of feeling like a ticketed number at a call center.

6 May 2025
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Reply from Solo Health Collective

Hi Lauren! Thank you so much for your review. We're thrilled to have you as part of the Solo community - if you ever need help in the future, you know where to find us :)

Rated 5 out of 5 stars

Exceptional Health Insurance…

Using Solo Health Collective was nothing less than a superb and smooth experience! I am a solopreneur, and finding the right health insurance was something I had been dreading until I came across Solo Health Collective. From the very beginning, the experience was seamless. Their platform is easy to navigate, and I was able to find a plan that fit my needs and budget without any confusion. Every team member I spoke with was knowledgeable, patient and genuinely helpful. They took the time to walk me through my options, answer all my questions, and made sure I felt confident in my decision. It's rare to find a company that combines professionalism with such a personal touch. I highly recommend Solo Health to any fellow solopreneur looking for reliable and supportive health coverage!

20 August 2024
Unprompted review
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Reply from Solo Health Collective

Hi Meaghan! We are thrilled that you had a great experience with our team. Hope you have a great day :)

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