Ameristead plans and monthly premiums (November 2026)
All seven Ameristead Health plans use the Cigna PPO network and include $0 preventive care and $0 teledoctor visits. Copay plans start at $25 primary care visits, and the Diamond plan has a $0 deductible.
| Plan | HSA 8500 | Bronze | HSA 6000 | Silver | Gold | Platinum | Diamond |
|---|---|---|---|---|---|---|---|
| Network | Cigna PPO | Cigna PPO | Cigna PPO | Cigna PPO | Cigna PPO | Cigna PPO | Cigna PPO |
| Deductible (individual/family) | $8,500/$17,000 | $8,000/$16,000 | $6,000/$12,000 | $5,000/$10,000 | $3,000/$6,000 | $250/$500 | $0/$0 |
| Coinsurance (plan/you) | 100/0 | 70/30 | 70/30 | 70/30 | 80/20 | 80/20 | 70/30 |
| Max out-of-pocket (individual/family) | $8,500/$17,000 | $8,700/$17,400 | $7,000/$14,000 | $8,700/$17,400 | $8,700/$17,400 | $1,250/$2,500 | $6,000/$12,000 |
| Preventive care | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Teledoctor | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Primary care | 0% after deductible | $50 | 30% after deductible | $40 | $35 | $25 | $25 |
| Specialist | 0% after deductible | $120 | 30% after deductible | $80 | $55 | $45 | $50 |
| Urgent care | 0% after deductible | $100 | 30% after deductible | $60 | $55 | $45 | $50 |
| Labs/X-ray, MRI/PET/CT/EKG, ER, outpatient surgery, hospital, maternity | 0% after deductible | 30% after deductible | 30% after deductible | 30% after deductible | 20% after deductible | 20% after deductible | 30% |
| Rx (generic/brand/non-preferred brand) | 0% after deductible | $0/$35/$75 | 30% after deductible | $0/$35/$75 | $0/$35/$75 | $0/$35/$75 | $0/$35/$75 |
| Rx specialty | PBM management required | PBM management required | PBM management required | PBM management required | PBM management required | PBM management required | PBM management required |
| Monthly premiums | |||||||
| Employee only | $426 | $544 | $640 | $674 | $941 | $1,003 | $873 |
| Employee + spouse | $589 | $856 | $1,012 | $1,067 | $1,493 | $1,632 | $1,372 |
| Employee + child(ren) | $549 | $753 | $889 | $945 | $1,309 | $1,563 | $1,243 |
| Employee + family | $789 | $1,134 | $1,340 | $1,413 | $1,981 | $2,993 | $1,687 |
GLP-1s (Ozempic, Mounjaro, etc.): preauthorization every 6 months, A1c of 6 or higher, mail order only.
Source: Ameristead Health plan summary (Marpai / Ameristead Health / Cigna Healthcare), as of November 2026. This is a summary of plan benefits and rates and is subject to change; the Schedule of Benefits and plan documents govern. A licensed agent confirms your exact plan and rate before you apply.
Why people choose Ameristead
- Cigna PPO network: see Cigna PPO doctors and specialists across the national Cigna PPO network.
- $0 preventive care and $0 teledoctor on every plan.
- Predictable copays: primary care from $25, specialists from $45 and urgent care from $45 on copay plans.
- Low-cost prescriptions: $0 generic / $35 brand / $75 non-preferred brand on Bronze, Silver, Gold, Platinum and Diamond.
- A $0-deductible option: the Diamond plan starts paying from day one.
- HSA-eligible choices: HSA 8500 and HSA 6000 for people who want to save pre-tax. See how an HSA works and its tax benefits.
- Year-round enrollment: no waiting for open enrollment.
- Built for sole proprietors, small business owners and their employees, administered by Marpai Health.
Comparing plans in the table? Talk it through with a licensed agent.
Tell us which doctors and prescriptions matter to you, and we'll help you narrow down which Ameristead plans fit how you actually use care, and check that you meet the group-plan rules before you apply.
Call (813) 724-3314 Book a call Mon–Sat 8 AM–9 PM ET · Sunday closed · No fee for our help
Enroll in Ameristead: pick your plan and see your price
Prefer to talk? Call (813) 724-3314 to enroll in Ameristead with a licensed agent, or use our main quote form.
Ameristead health plans: key facts
| Item | Details |
|---|---|
| Plan structure | Self-funded employer group plan |
| Administrator | Marpai Health |
| Network | Cigna PPO |
| Who can enroll | Sole proprietors, small business owners, employers and their employees |
| Plans | HSA 8500, Bronze, HSA 6000, Silver, Gold, Platinum and Diamond |
| Premiums | From $426/month (HSA 8500, employee only) |
| Enrollment | Year-round, with a short application |
Who Ameristead fits best
Self-employed people, 1099 workers, small business owners and their families who want a national Cigna PPO network, simple copays and the freedom to enroll any time of year. Not sure which plan? Most families compare Silver, Gold and Diamond side by side. Call (813) 724-3314 and we will run the numbers with you.
What to do this week if you're considering Ameristead
- List your doctors and hospitals, then check them in the Cigna PPO network. How to check if a doctor is in network.
- List your prescriptions, including any specialty medicines, so an agent can review how your plan handles them.
- Have your business details handy. Ameristead plans are group plans for sole proprietors, small business owners and their employees, and group-plan rules such as proof of self-employment apply.
- Note when your current coverage ends so you can pick a start date with no gap. Ameristead enrollment is year-round.
- Call a licensed agent at (813) 724-3314 (Mon–Sat 8 AM–9 PM ET) to compare two or three plans side by side and apply.
See if Ameristead fits you. It's often a good match if you can say yes to these:
- You're self-employed, a 1099 worker or a small business owner (or work for one).
- Your doctors are in, or you're happy to use, the Cigna PPO network.
- You'd like coverage you can start any time of year.
Call to check your fit Book a call
Mon–Sat 8 AM–9 PM ET · Sunday closed · or start your Ameristead quote. We never charge you a fee for our help.
Frequently asked questions
Is Ameristead real health insurance?
Yes. Ameristead Health plans are self-funded employer group health plans administered by Marpai Health on the Cigna PPO network. A licensed agent walks you through the plan documents for your plan before you apply.
What network does Ameristead use?
Ameristead plans use the Cigna PPO network, so you get access to Cigna PPO doctors and hospitals. We help you check your specific doctors before you enroll.
How much does Ameristead cost per month?
Ameristead's published November 2026 rates run from $426 a month (HSA 8500, employee only) to $2,993 a month (Platinum, employee + family). The Diamond plan with a $0 deductible is $873 a month for employee only and $1,687 for employee + family. Use the plan picker above to see the price for your plan and coverage level.
What does the Ameristead Diamond plan cover?
Diamond has a $0 deductible, $0 preventive care, $0 teledoctor, $25 primary care, $50 specialist and $50 urgent care copays, $0/$35/$75 prescriptions, and 30% coinsurance on other covered services up to a $6,000/$12,000 out-of-pocket maximum.
Can I enroll in Ameristead outside open enrollment?
Yes. You can apply for Ameristead year-round. A licensed agent helps you through the short application.
Who administers Ameristead plans?
According to Ameristead, its plans are self-funded employer group plans administered by Marpai Health.
Who is eligible for an Ameristead plan?
Ameristead plans are built for sole proprietors, small business owners, employers and their employees. Group-plan rules, such as proof of self-employment, apply.
How do I enroll in Ameristead?
Pick your plan and coverage level in the picker above and send it over, or call (813) 724-3314 to enroll with a licensed agent.
Is Ameristead Health legit?
Yes. Ameristead Health publishes its plans at ameristead.health/plans, which states that the plans use the Cigna PPO networks and are administered by Marpai Health as a self-funded employer group, and that they are distributed by licensed brokerages. Our agents are appointed to offer the plans and will review the official documents with you. This page is not an independent consumer review.
Is Ameristead the same as Ameristad?
"Ameristad" is a common misspelling of Ameristead. If you searched that spelling, you are on the right page: Ameristead Health, Cigna PPO plans administered by Marpai Health.
How do I find an Ameristead doctor near me?
Search Cigna's PPO directory and confirm with the provider's office that they accept this group's Cigna PPO network. A licensed agent can check names with you. See How to check if a doctor is in network and How to find a Cigna PPO doctor on an Ameristead plan.
Does Ameristead require medical underwriting?
Ameristead's plans page says a health screen or medical underwriting is possibly required prior to enrollment, and that you can confirm eligibility when you request a quote. A licensed agent will walk you through how that step works on the current application.
Who handles Ameristead claims?
Marpai Health is the administrator named on Ameristead's plans page. Your ID card and plan documents list the official claims contacts.
See other private plans on the Cigna PPO network.
Is Ameristead Health legit?
Ameristead Health publishes its plans at ameristead.health/plans. That page states that the plans use the Cigna PPO networks and are administered by Marpai Health as a self-funded employer group, and that they are distributed by licensed brokerages and affiliated agents. Our licensed agents are appointed to offer these plans and are paid a commission if you enroll; the disclosure at the top of this page applies to everything below.
A self-funded employer group plan is a different path from a HealthCare.gov Marketplace policy, with its own eligibility rules and plan documents. The official site says you may be eligible if you are a sole proprietor, a small business owner, an employer offering coverage to employees, or an employee getting coverage through your employer. A health screen or medical underwriting is possibly required before enrollment — your agent will walk you through how that step works. A licensed agent will review the official plan documents with you, including how claims are administered, before you apply.
If you are comparing names: this page is about Ameristead Health, the Cigna PPO plans described on ameristead.health. Other companies have similar names. We also see the misspelling "Ameristad." If you landed here from that spelling, you are in the right place.
Call (813) 724-3314 (Monday–Saturday 8 AM–9 PM ET, Sunday closed) if you want to walk through the documents with a licensed agent, or get your free quote / start your Ameristead quote.
For a shorter walkthrough of the same facts, see Is Ameristead Health legit? How the plans work and how to enroll.
How to check whether your doctor is in the Ameristead Cigna PPO network
Every Ameristead plan listed on the official plans page uses the Cigna PPO networks. Before you enroll, check the doctors and hospitals you want to keep.
- Get the exact plan name (for example, Silver or HSA 6000) from the table above or from your quote.
- Search Cigna's provider directory for PPO, not HMO or EPO, and confirm the location. Start with Cigna's public directory and the steps in How to check if a doctor is in network.
- Call the provider's office and ask whether they accept the Cigna PPO network for this group plan, not only "Cigna."
- Do the same for your hospital, preferred lab and pharmacy. A licensed agent can run this check with you.
Cigna provides the provider network. Marpai Health is the administrator named on Ameristead's plans page and handles claims.
A dedicated walkthrough is at How to find a Cigna PPO doctor on an Ameristead plan.
Who administers claims (Marpai Health)
Ameristead's plans page says the plans are administered by Marpai Health as a self-funded employer group. Marpai describes itself as a third-party administrator (TPA) for employer self-funded health plans, including claims processing and a member portal. Your ID card and plan documents list the phone numbers and portal to use for claims and pre-certification. We will point you to those official contacts when you enroll.
How to enroll in Ameristead
Enrollment is year-round, as already described above, and is done with a licensed agent. The official plans page says you can confirm eligibility when you request a personalized quote. A health screen or medical underwriting is possibly required before enrollment; your agent will walk you through how that step works.
- List the doctors and prescriptions you care about, and note when your current coverage ends.
- Check those doctors in the Cigna PPO network (see the section above).
- Call (813) 724-3314 or start a quote. Have your business details ready if you are a sole proprietor or small business owner; group-plan rules such as proof of self-employment can apply, as already noted earlier on this page.
- Review the official plan documents with the agent, including any health-screen step, and pick a start date.
Ameristead's own site also has an Enroll path and the address Support@Ameristead.Health. You can work with us or go to the carrier; we never charge you a fee for our help.
Talk it through with a licensed agent. Call (813) 724-3314 (Monday–Saturday 8 AM–9 PM ET, Sunday closed) or get your free quote. Prefer a set time? Book a call. We never charge you a fee for our help.
Ameristead plan and guide pages
Related guides
Sources (checked November 4, 2026, and November 12, 2026)
- Ameristead Health — Plans (network, administrator, eligibility and possible underwriting)
- Ameristead Health — plan summary of benefits and rates (November 2026)
- Marpai — TPA for self-funded employer health plans
Plan availability and eligibility are determined by the carrier.