Molli Health Promo Code
What is Molli Health?
For independent workers, health insurance often feels like a bad deal. On the ACA marketplace, healthy 1099s end up paying for the costs for those who use more healthcare, driving up premiums for everyone for coverage that doesn't feel fair.
Working for yourself shouldn’t mean settling for overpriced insurance or worse coverage and benefits. Just like full-time employees at big companies, independent professionals deserve high-quality care at reasonable costs that help them stay healthy.
That’s why we built Molli Health: High-quality health insurance for independent professionals, for less. We offer exceptional in-network coverage through Cigna's medical provider network at rates that are 20% lower than the average ACA plan.
How? Molli offers independent professionals a group plan that negotiates more competitive rates, securing the collective buying power usually reserved for large employers. This structure helps Molli secure lower pricing for quality coverage — and pass those savings directly back through lower monthly premiums.
Unlike traditional insurers who profit from denying claims and charging high administrative fees and monthly premiums, Molli keeps overhead low and empowers our members with smart tools to find quality, affordable care. By helping members stay healthy and spend wisely, we lower costs further — creating a virtuous cycle of savings for everyone.
With nationwide access through the Cigna PPO network (including leading health systems like Johns Hopkins, Mount Sinai, NYU Langone, Vanderbilt, and Northwestern), $0 virtual and preventive care, free generic prescriptions, and digital tools to track costs and find the best providers, Molli makes health insurance easy, low cost, transparent, and fair.
The result is simple: Smarter, high-quality care that helps you stay healthy and spend less.
Key benefits of using Molli Health?
- High quality healthcare — comparable or better coverage than ACA plans
- Lower costs and complete transparency
- Aligned incentives: An insurance plan that wins when you do
Molli Health Features
- Health care designed for 1099 workers, including spouses and families
- Nationwide Cigna PPO network, including leading health systems like Johns Hopkins, Mount Sinai, NYU Langone, Vanderbilt, and Northwestern
- Same-day virtual primary care & preventive care at $0
- Free generic prescriptions — $0 for a wide range of common medications
- Three clear coverage options to fit your needs and budget; individual and family plans available
- Smart tools to see costs upfront, track claims and deductibles, and search for the lowest-cost options — no more surprise bills.
- Save 20% on average vs. ACA plans. ACA plans must accept everyone regardless of health status, so they tend to price premiums to cover the highest expected costs. That means many healthier members end up paying for the high cost of care for other members
- Molli offers independent professionals a group plan that negotiates more competitive rates — similar to the buying power large employers benefit from. This structure helps Molli secure lower pricing for quality coverage
- Traditional insurers often earn from denying claims, charging duplicative fees and profiting off of higher premiums. Molli operates differently — structuring plans to keep administrative costs low, helping you stay healthy with quality care, and reinvesting those savings into lower member premiums
Molli Health Pricing
20% cheaper on average vs. ACA plans. Plans starting in the $300 for individuals and $1,000 for families
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