$95/mo
Individual Plans Starts At
Affordable Health Coverage For You and Your Family.
ACA-compliant plans for individuals, families, and self-employed persons — with nationwide PPO access and straightforward enrollment.
Market Leaders
Why Individuals and Families Choose Five Points
Most individual health plans are overpriced, rigidly structured, and built around the carrier's interests — not yours. Five Points gives you access to a nationwide provider network, transparent pricing, and a team that responds within 24 hours.
Compare Five Points
Individual Plans vs. Your Other Options
Which coverage is right for where you are right now?
Straightforward individual and family coverage with access to the full First Health Network nationwide.
Type: Allegra Association Plan / ACA-Compliant
The plan covers 60%, you pay 40%. Silver, Gold, and Platinum tiers available depending on the depth of coverage you need.
Type: Allegra Association Plan / ACA-Compliant
The plan covers 80%, you pay 20%. Our most comprehensive individual coverage — Silver, Gold, and Platinum tiers available.
Type: Allegra Association Plan / ACA-Compliant
A single ER visit or specialist appointment without coverage can cost thousands.
Risk: High
Network: None
Choosing a Health Plan
What Actually Matters When Picking an Individual or Family Plan?
The cheapest option isn't always the right one. Here's what to look at before you enroll:
Network coverage wherever you are: A plan restricted to one region leaves you exposed everywhere else. Make sure your coverage works across all 50 states.
Transparent pricing before you commit: You should know what a doctor visit, urgent care, or prescription costs before you ever need one. Ask for the Schedule of Benefits upfront.
Prescription access: Drug costs add up fast. Look for a plan backed by a real pharmacy network — Five Points runs on OptumRX.
Someone to call when it matters: A plan is only as good as the support behind it. Every Five Points member gets a 24-hour resolution promise — a real person, a real answer.
ACA compliance: Non-compliant plans leave coverage gaps that only show up when it's too late. Every Five Points plan meets federal minimum essential coverage standards.
Explore Our Plans
Transparent Pricing
Our goal is simple: complete transparency. Every plan is handled on a flat-fee basis—no hidden charges, and no surprises. You'll know exactly what's included from day one, with the flexibility to choose the level of support that fits your needs.
Individual and Family Plan U.S. ONLY
Allegra Association Plan U.S. ONLY
60/40 Plans
Allegra Silver plan 60/40
Individual and Family Plan
Allegra Gold Plan 60/40
Individual and Family Plan
Allegra Platinum Plan 60/40
Individual and Family Plan
80/20 Plans
Allegra Silver plan 80/20
Individual and Family Plan
Allegra Gold Plan 80/20
Individual and Family Plan
Allegra Platinum Plan 80/20
Individual and Family Plan
Flat-fee pricing with no surprise fees
Credit cards & bank transfer are accepted
Flexible payment plans available for every tier
Enrollment
A Clear, Simple Process
From Day One
No one should have time for complicated paperwork. That's why enrollment is structured, transparent, and easy to complete — with real support if you need it.
Plan Selection & Review
Choose from 8 Allegra Association Plan options — US Only, Silver, Gold, or Platinum across 60/40 and 80/20 tiers.
Clear coverage. No guesswork.
Online Enrollment
Complete your enrollment application online and submit payment in one step.
Secure payment processing. PCI compliant.
Receive Your Enrollment Packet
Within 5 business days, your packet arrives by mail and includes:
— A welcome letter with your full Summary of Benefits
— A temporary Member ID Card and OptumRX Card, usable immediately
Your Network & Rx Cards
Your First Health Network ID Card — issued by Aetna/Coventry — is your proof of coverage at any doctor's appointment.
Your OptumRX Card covers prescriptions at all major pharmacies nationwide.
What Individuals Actually Pay
See What Your Plan Saves You.
Without coverage, you pay whatever the provider bills. As a Five Points member, you pay the negotiated rate, which is a fraction of that. These are real numbers from real services.
Up to 93% In-Network Savings
93%Standard provider billing rates
60%Built for Everyone
From Our Clients
FROM THE MOMENT WE ENROLLED, WE EXPERIENCED A LEVEL OF CARE AND SUPPORT THAT EXCEEDED OUR EXPECTATIONS
The comprehensive coverage options provided by Five Points Health Benefit Plans have given us peace of mind, knowing that we are adequately protected in times of need
Olivia Camacho
STAFF COULDN'T HAVE BEEN MORE PLEASANT
friendly and accommodating. Took a stressful situation (for me) and made it a very good experience. Everyone was very professional. I would highly recommend Five Points.
Amador Martinez
AMAZING CUSTOMER SERVICE, GREAT BENEFITS
I never felt like I was being left in the dark about anything, it was always so easy to be in touch by email and your website is so easy to use. Thank you so much for everything!
Eduardo Gonzalez
Let's get you covered
Your Coverage Starts Here.
Review your options, understand your costs, and enroll in a plan that's built to last — ACA-compliant, backed by 1 million+ providers, and administered by a team that picks up the phone.
TEXAS TPA LICENSE #2989341CALIFORNIA TPA LICENSE #OM72911ARIZONA TPA LICENSE #505361367
MISSISSIPPI TPA LICENSE #15039939NEW MEXICO TPA LICENSE #3000634697