NEW in 2026! Your Personal Group-Style Health Insurance — With More Freedom

Group health insurance has long been considered the gold standard of benefits. But what if you’re self-employed, a freelancer, a contractor, or simply don’t have access to a traditional employer plan? That’s where SOLO Healthcare — flexible health insurance plans from Desjardins — come in. Think of it as your own personal group insurance plan, designed for individuals and families who want strong benefits without being tied to an employer.

What Is SOLO Healthcare?

SOLO Healthcare is an individual health insurance solution that mirrors many of the advantages of group benefits — but with far more flexibility. Instead of a one-size-fits-all package, SOLO lets you build a plan around your real needs, lifestyle, and budget.

You’re not joining an employer’s plan. You’re creating your own.

That makes SOLO Healthcare especially attractive in today’s work environment, where self-employment, consulting, and gig work are more common than ever.

Group-Style Benefits — Minus the Limitations

Traditional group insurance often comes with restrictions: fixed coverage levels, benefits you may never use, and zero control over changes. SOLO Healthcare flips that model. You can access coverage typically associated with group plans, such as:

• Prescription drug coverage
• Paramedical services (physiotherapy, massage, chiropractic care, etc.)
• Vision care
• Dental coverage options
• Medical supplies and travel coverage

But instead of accepting a preset package, you choose the components that make sense for you.

Built for Flexibility

One of the strongest advantages of SOLO Healthcare is flexibility — not just at signup, but over time. Your needs evolve. Maybe you start solo and later add family members. Maybe your income changes. Maybe your priorities shift from dental to prescription coverage. SOLO plans are designed to adapt with you, offering options to adjust coverage as life changes. This makes it ideal for:

• Self-employed professionals
• Freelancers and consultants
• Small business owners
• Incorporated individuals
• Couples and families without employer benefits

Simple, Individual Control

With employer group plans, coverage is tied to your job. Change employers — or lose your job — and your benefits often disappear. With SOLO Healthcare, you own the plan. That means:

• Your coverage stays with you
• You’re not dependent on an employer
• You control plan design and updates
• You can keep benefits even if your career changes

It’s insurance that fits modern, mobile careers.

A Smarter Alternative to Traditional Group Insurance

SOLO Healthcare is often described as a hybrid between individual and group insurance — and that’s exactly its strength. You get the structure and depth of group-style benefits, combined with the freedom of individual choice. Instead of paying for benefits selected by an employer or HR department, you invest in coverage that reflects your actual healthcare usage. That often results in better value and fewer wasted dollars.

Who Should Consider SOLO Healthcare?

SOLO Healthcare is a great fit if you:

• Don’t have access to employer group benefits
• Are self-employed or run a small business
• Want comprehensive health coverage with customization
• Prefer control over your insurance decisions
• Value stability and portability in your benefits

It’s also a strong option for people transitioning out of corporate roles who want to maintain a similar level of protection — without staying tied to an employer.

Peace of Mind, Designed Around You

Health insurance shouldn’t feel rigid or outdated. SOLO Healthcare from Desjardins reflects how people actually live and work today: independently, flexibly, and on their own terms. By offering group-style coverage with personal control, it gives you the confidence of strong benefits — without sacrificing freedom. It’s not employer insurance. It’s not basic individual coverage. It’s your own personal group plan, built to move with you through every stage of life and career.

When your work life is flexible, your health insurance should be too.