Experiences with Solo Health?

I just met with a rep from Solo Health (https://hbgsolo.com/) and was curious if anyone has experience with their plans. There are a few other threads on the company but not much.

The model sounds logical – basically only insuring relatively healthy people to reduce risk and lower the overall cost of premiums. I'm still skeptical on Solo's use of reference-based pricing but my understanding from the conversation with the rep is:

RBP does not apply to Solo's in-network doctors with MultiPlan as services have a negotiated rate. While RBP does apply to out-of-network services, I'm not going to be stuck with a huge bill in emergency situations because of regulation (No Surprises Act). If I want to see an out-of-network specialist, my best bet to avoid a surprise bill is to get an estimate of the charges upfront from the doctor and compare to the reference cost Solo agrees to pay.

If that's right, it's still not ideal, but not as concerning as I originally thought. I still have to follow up them as I'm not entirely sure I understand how my OOP max works wrt out-of-network providers.

Anybody have opinions on or experiences with Solo?

submitted by /u/Alcibiades5
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