Are these the actual 2026 GigCare rates?

These figures reflect the published 2026 monthly contribution sheet for the Working Owner plan. Final rates depend on your home state, age at effective date, tobacco status, dependents, and the specific plan tier you choose. Always request a formal quote before enrolling.

Why is there no income-based subsidy on GigCare?

GigCare is structured as a group Working Owner benefit through Population Science Management, not an individual ACA Marketplace plan. Premium tax credits and cost-sharing reductions are only available on the Marketplace. If your projected income qualifies you for ACA subsidies, the Marketplace will almost always be cheaper.

What's the difference between EPO and PPO plans here?

EPO plans use a closed network with no out-of-network coverage except emergencies, and they generally price lower. PPO plans cost more but offer out-of-network benefits and broader access through the BCBS BlueCard network. The HSA-qualified PPO pairs with a Health Savings Account for tax-advantaged savings.

Does tobacco use change the price?

Yes. Tobacco use typically adds a surcharge on top of the listed rates. The size of the surcharge varies by state and plan tier. Disclose accurately on your application - misrepresentation can void coverage.

What disqualifies me from GigCare?

Answering 'yes' to any of the 11 health-screening questions typically results in a decline. Common disqualifiers include cancer or cardiac history in the last 5 years, organ transplant or dialysis, current pregnancy, Type 1 diabetes, COPD, autoimmune disease, and recent or planned major surgery. Review the underwriting questions on this page before applying.

GigCare Hub - Pricing

GigCare Pricing 2026: Monthly Rates by Plan and Age Band

The published 2026 monthly contribution rates for the Working Owner plan, in plain numbers. No subsidy math, no fine-print games - just the tier-by-tier cost so you can compare it to your unsubsidized Marketplace quote.

See If You Qualify for GigCare

Answer a few quick health-screening questions and we'll tell you in seconds whether you potentially qualify for GigCare's Working Owner plan.

See If You Qualify for GigCare (402) 680-6171

Short Answer

For 2026, employee-only GigCare premiums run roughly $600 to $880/month in the youngest age band and $690 to $1,068/month for ages 55-64, depending on plan tier. Family rates start near $1,548/month and climb past $2,950/month. There is no income-based subsidy, so compare these directly against your unsubsidized Marketplace quote.

2026 Employee-Only Monthly Rates

All figures are per month, single non-tobacco enrollee. Tap View on any tier for the full benefits, copays, and prescription coverage.

Plan Tier	18-29	30-39	40-54	55-64	Brochure
EPO $7,350	$600	$615	$645	$690	View
EPO $5,000	$645	$660	$695	$740	View
PPO/HSA $5,000	$685	$700	$735	$780	View
PPO $2,500	$740	$760	$800	$855	View
PPO $1,500	$880	$905	$955	$1,068	View

Swipe horizontally to see all age bands.

2026 Family Monthly Rates

All figures are per month. Family tier covers the Working Owner plus eligible spouse and/or dependents. Each dependent over 18 completes a separate health questionnaire.

Plan Tier	18-29	30-39	40-54	55-64	Brochure
EPO $7,350	$1,548	$1,610	$1,720	$1,840	View
EPO $5,000	$1,675	$1,740	$1,855	$1,980	View
PPO/HSA $5,000	$1,790	$1,860	$1,980	$2,110	View
PPO $2,500	$1,965	$2,050	$2,185	$2,335	View
PPO $1,500	$2,410	$2,520	$2,710	$2,950	View

Swipe horizontally to see all age bands.

Want the full plan overview across all tiers in one document? Download the GigCare Plan Overview PDF.

What Each Plan Tier Means

EPO $7,350 and EPO $5,000

Closed-network Exclusive Provider Organization plans. No out-of-network benefits except true emergencies. The dollar figure is the in-network individual deductible. Lowest premiums in the lineup. Best fit for healthy buyers comfortable staying in-network.

PPO/HSA $5,000

HSA-qualified Preferred Provider Organization plan. Pairs with a Health Savings Account for triple-tax-advantaged medical savings. Out-of-network benefits available through the BCBS BlueCard network. Strong fit for healthy buyers who want to bank tax-free dollars for future medical costs.

PPO $2,500 and PPO $1,500

Lower-deductible PPO plans with full out-of-network benefits. Highest monthly premiums but lowest cost-sharing when you actually use care. Best fit for buyers who expect moderate-to-heavy utilization or prefer predictable copays over premium savings.

Do You Qualify? GigCare Underwriting Questions

GigCare uses a Milliman-backed health questionnaire to screen applicants. Answering "No" to all 11 questions below means you typically qualify. Answering "Yes" to any one of them usually means a decline - in which case the ACA Marketplace is your better option since it cannot deny you for pre-existing conditions.

In the past 5 years, have you or any dependent applying for coverage:

1Have you or any dependents applying been under a doctor's care in the past 5 years for cancer, heart disease, heart attack, heart surgery, bypass, or stroke?
2Have you or any dependents been home-bound, incapacitated, or unable to self-support due to a medical condition in the past 5 years?
3Have you or any dependents been treated in the past 5 years for autoimmune or blood disease (Lupus, MS, Anemia, AIDS, HIV, Hemophilia, IBS, Crohn's)?
4Have you or any dependents been treated in the past 5 years for organ failure, organ transplant (kidney, liver, lung, heart), or any form of organ support such as dialysis?
5Are you or any dependents currently pregnant or expecting?
6Are you or any dependents currently being treated for a condition you were hospitalized for in the past 5 years?
7Have you or any dependents been treated in the past 5 years for respiratory disorders, emphysema, chronic bronchitis, COPD, or chronic pneumonia?
8Have you or any dependents been treated in the past 5 years for musculoskeletal disorders such as back disorders, muscular dystrophy, cerebral palsy, dermatomyositis, compartment syndrome, sciatica, or osteoporosis?
9Have you or any dependents been treated in the past 5 years for substance abuse or substance dependency?
10Have you or any dependents been treated in the past 5 years as a Type 1 Diabetic?
11Have you or any dependents had a major surgery in the past 5 years, or do you have an upcoming planned surgery?

All "No" answers

You likely qualify - request a formal GigCare quote.

Any "Yes" answer

GigCare is unlikely to approve - the ACA Marketplace is your better path.

Note: Specialty medications are not covered under GigCare unless obtained through a Patient Assistance Program (PAP). Final eligibility is determined by the carrier's underwriter, not by this self-assessment.

Important Pricing Context

No income-based subsidy. Unlike ACA Marketplace plans, GigCare does not offer premium tax credits or cost-sharing reductions. If your household income qualifies you for Marketplace subsidies, the Marketplace will almost always cost less.

Tobacco surcharge applies. Tobacco users pay a surcharge on top of the listed rates. The exact amount varies by state and plan tier.

Suitability screening required. The published rates assume you pass the Milliman suitability screen. Applicants with chronic conditions, recent cancer or cardiac history, organ transplant history, or current pregnancy are typically declined regardless of price.

Rates can change at renewal. Working Owner contributions are reset annually based on claims experience and PSM's actuarial review. Plan for the possibility of double-digit annual increases, especially as you cross age-band thresholds.

Click here to see if you qualify for GigCare

Send me your zip code, ages, and household details. I'll run you through the underwriting questions, model GigCare and your unsubsidized Marketplace options side by side, and tell you exactly which one wins for your situation.

See If I Qualify Compare to ACA