Solo Health Collective (hbgsolo.com) has a 4.7 out of 5 rating on OK.one, based on 60 user reviews collected here. It is listed under Health & Medical and its reputation is excellent. Praise is nearly unanimous, with 93% rating it 4 stars or higher; The business has replied to 100% of negative reviews; 47 of them were added in the last 12 months. Last updated 2026-08-10.
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!
Reply from Solo Health Collective2025-10-22
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!
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Graham S. · 1 review · Verified · Experienced 2025-10-01 ·
★★★★★
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.
Reply from Solo Health Collective2025-10-06
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!
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.
Reply from Solo Health Collective2025-10-03
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!
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!
Reply from Solo Health Collective2025-09-30
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 :)
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.
Reply from Solo Health Collective2025-09-03
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 :).
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.
Reply from Solo Health Collective2025-08-29
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 :)
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Laura F. · 1 review · Verified · Experienced 2025-08-15 ·
★★★★★
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.
Reply from Solo Health Collective2025-08-18
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!
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!
Reply from Solo Health Collective2025-08-01
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 :)
Great customer experience, easy to sign up and manage care, and much wider provider coverage than the state marketplace plan I was on previously
Reply from Solo Health Collective2025-07-29
Hi Larissa! Thank you so much for your sharing your experience, we're glad that you found value in our nationwide PPO network!
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Dr. SS · 1 review · Verified · Experienced 2025-07-25 ·
★★★★★
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.
Reply from Solo Health Collective2025-07-28
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 :)
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.
Reply from Solo Health Collective2025-07-16
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!
S
Sam C · 1 review · Verified · Experienced 2025-06-04 ·
★★★★★
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!
Reply from Solo Health Collective2025-07-07
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
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Ally · 2 reviews · Experienced 2025-07-02 ·
★★★★★
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.
Reply from Solo Health Collective2025-07-03
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 [email protected] or give us a call (888-655-4053), we’re here to help.
-The Solo Health Collective Team
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.
Reply from Solo Health Collective2025-07-01
Thank you for the review and for taking the chance on us! We love hearing stories like this :)
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 :)
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.
Reply from Solo Health Collective2025-06-06
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!
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Yecca · 1 review · Experienced 2025-05-30 ·
★★★★★
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!
Reply from Solo Health Collective2025-06-01
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
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.
Reply from Solo Health Collective2025-05-29
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 :)
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!
Reply from Solo Health Collective2025-05-19
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.
