Traditional insurance was not built for how you work
As a 1099 agent, your income is variable, your schedule is unpredictable, and you cannot afford surprise medical bills or sky‑high premiums. Traditional plans often lock you into narrow networks and rising costs year after year.
The 1099 reality
You need coverage that flexes with your business—without giving up access to quality care when it matters most.
What if you had another option?
Instead of paying more for less, imagine a simple, transparent way to share medical costs with a like‑minded community—while keeping the freedom to choose your providers.
What this is (and how it works)
This is a non‑insurance, community‑based medical cost‑sharing program where members contribute a set amount each month to help share one another’s eligible medical bills. You choose an annual amount you are responsible for, then the community steps in for larger needs according to the program guidelines.
01
Choose your monthly share
Enroll online and select a Primary Responsibility Amount and monthly share that fit your budget and household.
02
Use any provider nationwide
Present your membership card at your doctor, urgent care, or hospital of choice—there are no network restrictions.
03
Eligible bills are shared
Once your annual responsibility is met, eligible medical needs can be shared by the community, with clear guidelines and support along the way.
Why agents are making the switch
Agents are making the switch to this program because it offers more freedom, predictable costs, and meaningful savings compared to traditional ACA-style plans. With no network restrictions, you can see any doctor or hospital nationwide without limitations or forced provider changes. Many members pay less each month, especially healthy individuals and families.
You also get $0 telehealth access 24/7, preventive care covered at 100% based on guidelines, and monthly wellness rewards that can help reduce out-of-pocket costs. Plus, prescription savings make many generic medications low-cost or even free, with strong discounts on brand-name drugs through partner programs.
See if this is a fit in 3 simple steps
Answer a few quick questions
Tell us about your household, current coverage, and budget—it takes about a minute to complete.
Review your personalized options
Get a clear side‑by‑side look at your estimated monthly share, annual responsibility, and potential savings.
Decide with confidence
If it is a fit, complete your application online and choose your start date. If not, there is no pressure and no obligation.
Common questions from agents
Is this health insurance?
No. This is a community‑based medical cost‑sharing program, not insurance. Members voluntarily share eligible medical expenses according to a clear set of guidelines.
Can I keep my current doctors?
Yes. There are no provider networks, so you are free to see any doctor, specialist, or hospital you choose nationwide.
What about large emergencies or hospital stays?
Larger eligible medical needs can be shared once your annual responsibility is met, with the community helping to share costs up to program limits.
Can my family be included?
Yes. There are options for individuals, couples, and families, so your household can be on one simple, affordable program.