For the self-employed, small crews & established employers
Real group health coverage — even for a business of one.
Major medical on the Cigna PPO network, with the pooled, same-for-every-age pricing large groups get — whether you're a business of one or a company of hundreds. Got an EIN? You're in the conversation.
Fifteen minutes tells you if you qualify.
From a business of one to a company of hundreds.
Who this is for
Contractors, tradespeople, drivers, agents, consultants — if you have an EIN, your business can provide group coverage for you as its own employee. Spouse and kids too.
Few options at your size? Offer real major medical with no minimum participation — even if only one person signs up. Cover W-2 staff and the 1099 workers you contract with.
Already offer a plan? Many employers find these plans deliver comparable or better benefits for less than they pay today. Groups of 11+ can be reviewed as a whole group — we'll put it side by side with your current renewal.
No EIN yet? It's free from the IRS and takes about ten minutes online. We'll point you to it on the call. Savings and eligibility vary by group.
A network doctors know.
The Cigna PPO network. Your card works like any big-company plan — no referrals needed to see a specialist.
Your age doesn't set your price.
Same rate at 28 or 60. For many self-employed people, that lands 30–50% below what the individual market charges.
Real coverage, not a workaround.
Group health insurance that's ACA-compliant and meets Minimum Essential Coverage. Not a health share. Not a discount card.
Seven plan levels — from HSA-qualified to a $0 deductible.
What you get
* Health coverage only — dental and vision can be added separately. Benefits, copays and deductibles vary by plan level; your call walks through each one side by side.
Simple, and straight with you.
How it works
A 15-minute call
- Who needs coverage, what you pay today, which doctors matter to you
- We compare plan levels side by side
A few health questions
- Short yes/no questions decide eligibility — they never change your price
- Not a fit? We tell you on the spot and show you the options that are
Covered on the 1st
- Enroll by the 20th, coverage starts the 1st of next month
- We handle the paperwork and stay your point of contact
Straight answers
Yes. It's group health insurance, ACA-compliant, and meets Minimum Essential Coverage — on the Cigna PPO network. It is not a health share, a discount card, or a short-term plan.
If you have an EIN, yes — your business sponsors the plan and you're its employee. No EIN? It's free from the IRS and takes about ten minutes online. A company you contract with can also choose to sponsor coverage for its 1099 workers.
No. Rates are the same at any age, and the health questions never change your price — they only decide whether you can join.
For groups of 1–10, a short set of health questions decides eligibility, so this isn't guaranteed issue. If something rules you out, we'll tell you on the call and walk you through the guaranteed-issue options that fit.
No. Once you're on, you're on — a new diagnosis doesn't remove you, and the plan renews automatically every January.
No minimum participation. A five-person company can have just one person enroll. You choose which plan levels to offer — one, several, or all seven — and any waiting period for new hires.
Enroll by the 20th and coverage starts the 1st of the following month. Open enrollment for plan changes runs late November through December each year.
Adults 18 to 64½ (children are covered with an adult on the plan). Available in every state except Hawaii.
15 minutes. No pressure.
See if you qualify — and what it costs.
Pick a time that works. We'll walk through the plan levels, check eligibility, and give you real numbers for your household.
Better Benefits. Bigger Paychecks. Brighter Futures.