Affordable Health Coverage for the Self-Employed

Built for People Who Work for Themselves

Up to 50% Lower Monthly Cost

You're already paying for everything out of your own pocket. Members typically pay up to half of what traditional insurance charges, with individual contributions starting at $73 a month.

No Employer Needed, Enroll Any Month

You don't work a 9-to-5, so why wait for one company's enrollment window? There's no open enrollment period here. Join in June, December, whenever, and start using your benefits right away.

See Any Doctor, No Networks

No networks, no referrals, no asking permission. Keep the doctor you already trust or find a specialist on your own terms. Just present your member card anywhere in the country.

Unlimited 24/7 Telehealth

When you're self-employed, a sick day is lost income. Talk to a board-certified doctor anytime, day or night, at no charge. Handle the cold or the infection from home and get back to work.

$0 Generic Medications

Any generic priced at $10 or less costs you nothing, whether or not you've met your annual responsibility amount. That holds across 65,000+ pharmacies nationwide.

Earn Up to $150/Month Back

The Wellness Rewards program credits you up to $150 a month toward lowering your annual responsibility. Gym memberships, fitness apps, acupuncture, and more all count.

Angela Pacheco

Independent Healthcare Agent • I'll walk you through your options — no pressure, no jargon.

Get Your Free Consultation

Angela will personally review your options and find the right plan for your household.

First Name *

Last Name *

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Phone *

Household Size

Age Range of Oldest Member

Questions or Comments (Optional)

🔒 Your information is secure and never shared

Your Care, Your Call

See Any Doctor, Specialist, or Hospital You Want

You run your own business. You should get to run your own healthcare too. No networks, no referrals, no restrictions. Walk into any provider in the country, hand them your member card, and keep the doctor you already trust.

0 Network Restrictions

Keep More of What You Earn

Up to 50% Less Than Traditional Insurance

Nobody is splitting the cost with you, so the price matters. Monthly contributions start at $73 for individuals and $378 for families. Your annual out-of-pocket responsibility is per household, not per person, so a bigger family means bigger savings.

Starting at $73/month

Day-One Benefits

24/7 Telehealth and $0 Generic Medications

A day in the waiting room is a day you're not earning. From your first day as a member, talk to a board-certified doctor anytime at no charge. Generic medications priced at $10 or less are completely free, across 65,000+ pharmacies nationwide. No waiting period.

$0 Telehealth + $0 Generics

Active person living a healthy lifestyle

Get Paid Back for Healthy Living

Earn Up to $150 Back Every Month

The Wellness Rewards program puts money back in your pocket for the healthy things you already do. Gym memberships, fitness apps, yoga classes, massage therapy, and acupuncture all count toward reducing your annual responsibility.

Up to $150/month in rewards

No Citizenship Required. Enroll Any Time of Year.

US citizens, ITIN holders, and residents in all 48 eligible states plus Puerto Rico and US territories can join. There are no open enrollment windows — sign up any month and start using your benefits right away.

22,500+ Members Nationwide

How It Works

Talk to Angela

Free consultation to understand your healthcare needs, budget, and household size. No obligation, no pressure.

Choose Your Plan

Pick the annual responsibility tier and monthly contribution that fits your budget. Plans start at $73 per month for individuals.

Start Saving

See any doctor you want, use your telehealth and wellness benefits from day one, and let the community cover your eligible medical bills.

Common Questions

Yes. Individuals are welcome, and this is a popular option for the self-employed, gig workers, freelancers, and early retirees who don't have employer coverage. Monthly contributions for an individual start at $73, with no employer or group required.

Yes. There's no open enrollment window and no special-period waiting. You can join any month of the year and start using your benefits right away — which is exactly what you need when you don't have a corporate HR calendar dictating your timing.

No. This is a healthcare community where members voluntarily contribute to help cover each other's medical expenses. It is not insurance and is not regulated as insurance. Members contribute a monthly amount, and when someone has an eligible medical need, the community helps cover the cost. Over $275 million has been contributed among 22,500+ members since 2020.

Yes. There are no networks, no referrals needed, and no restrictions on which doctors, specialists, or hospitals you can visit. You present your member card at any provider you choose, anywhere in the country.

Pre-existing conditions become eligible after 36 consecutive months of membership. However, members age 65 and older have no pre-existing condition limitations at all. Controlled high blood pressure and cholesterol are not considered pre-existing for future cardiac or vascular events.

From your first day as a member, you get unlimited 24/7 telehealth at no charge, one annual wellness visit fully covered, routine lab work up to $150 per year, three teletherapy visits per month, and $0 generic medications (for generics priced $10 or less). No waiting period for any of these benefits.

Health Coverage That Doesn't Punish You for Working for Yourself