Individuals/
Families
Traditional health insurance often feels like a "one-size-fits-all" trap—locked into annual contracts and rising premiums, co-pays, coinsurance, and surprise bills. At Blue Ocean Employer Benefits, we provide an agile alternative for individuals, families, and the self-employed.
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The Ultrio + Zion HealthShare Hybrid is an ACA-compliant membership that bridges the gap between everyday preventive care and protection against major medical events.
Unlike traditional plans, these options allow you to enroll any month of the year and operate on a flexible month-to-month basis. (In every US State except WA)
Which Ultrio Membership is Right for You?
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* Preventive Care Plans per the ACA
Find Your Fit:
Select your age and protection level to view your monthly cost.
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Every Ultrio plan includes the
component for large, unexpected medical needs.
IUA = Initial Unshareable Amount​​
This is the fixed amount you pay per medical event before the community shares remaining costs.
If you would like to consult with me about which plan fits your needs the best:
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How do I
use my Ultrio plan?
Utilizing the individual health plans in the Ultrio series is simple and effective. Through transparent and direct pricing, you receive healthcare coordination that advocates for you the way that you would.
Ultrio Virtual Plan
For folks who say, "I never go to the doctor", this plan provides fundamental preventive care with solid major medical healthcare protection-- at a premium that keeps your budget in mind.
Since the plan renews monthly, you can upgrade at any point, should your desire to save into an HSA or receive specialist care (such as chiropractic care) change.
Ultrio HSA Plan
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For those looking for a strategic, long-term health solution, the Ultrio HSA is my top pick. It’s a strong foundation that you can continue to build on with DPC, dental, vision, and more.​
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Contribute up to the IRS limit of $4,400/yr/individual or $8,750/family/yr in 2026.
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Those 55 and older can add an additional $1,000/yr "catch-up" contribution into HSA
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Your HSA funds never expire and are transferrable. And can be invested while saved.
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Option to use your HSA to pay for DPC memberships and IUAs.
Ultrio Plus Plan
For members utilizing specialty care, labs, and urgent care, or those without access to Direct Primary Care, this plan is a well-rounded and accessible option.
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Primary Care Visits unlimited up to $150/visit
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Specialist Visits unlimited up to $200/visit
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Labs unlimited up to $100/lab​
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Questions?
109 Hazel Path Ste 5
Hendersonville, TN 37075
615-212-9130
