Plans built specifically for independent contractors and small businesses - matched to how you actually use care, often 20-70% less than the marketplace.
Americans get health insurance through Obamacare. If you qualify for a tax credit based on income, that can be a good option. What about the rest of us? Access to quality care doesn't have to break the bank.
If you make over $60k a year, you're likely paying for plans designed for low income. We've got something designed for you.
You already pay an arm and a leg for care. Does your plan give you any road to pay zero for a surgery, imaging, or a procedure? Maybe it's time for a new plan.
24/7 telemedicine with a $0 copay. See ANY primary care doctor or specialist. A team to help you find the best coverage when you need it.
Many plans offer $0 generics and programs to help with costly prescriptions.
“I am so grateful for the outstanding support Forge has provided me and my family. Curtis is extremely knowledgeable about the plans and benefits, and has been a tremendous help guiding me to the best options for our needs.”
“Clearwater took the burden off my shoulders - I'm paying $12,000 less a year for a health plan. Under the old pricing I always felt I was taking care of one thing and hurting another.”
“They took the time to listen and help us explore what would work best. Within two months we'd saved enough to cover a month's premium. I highly recommend an honest look at your healthcare.”
“I spent twelve weeks in the ICU. The bills were about two million dollars. Without Clearwater I would have been bankrupt. Because of them, I survived that.”
Over 10 years of insurance experience and access to all major carriers. No being pushed into a one-size-fits-all plan or stuck with one carrier.
What's right for your next-door neighbor isn't necessarily right for you. We find the plan that fits your needs and priorities.
Have doctors you see regularly? Haven't started looking? We'll help you find a plan for either situation.
We assess every medication you and your family take, so you have the info to weigh the cost and the benefit.
Take the 3-minute HealthCare DNA quiz and see the coverage that actually fits how you use care.
See your fit (3 min)Plenty. There are plans built specifically for independent contractors and small businesses earning above the subsidy line - often 15-30% less for comparable or better access. We'll show you which fits, and tell you exactly what kind of plan it is.
On many plans, yes - $0 telemedicine, $0 generics, and routes to $0 on surgeries, imaging, and procedures. It depends on the plan and how you use care, which is exactly what we sort out with you.
Usually not. Tell us the doctors you want to keep and we find a plan that works with them. If you haven't started looking, we'll help you there too.
It can be either, depending on what fits. We always tell you exactly which one you're looking at. A health share is not insurance, and we never blur that line.
The content on this page reflects our opinions and analysis and does not constitute professional advice. Any information about Clearwater, ClearShare, or Clearwater's Major Medical plans is based on publicly available information and is for general informational purposes only. For accurate, up-to-date details about plans, benefits, eligibility, or coverage terms, refer to the official documentation or contact the provider directly. We make no representations as to the completeness or accuracy of this information for your situation. Decisions based on this content are at your own risk.
