Coverage for people who have a few prescriptions, a couple of specialists, and no interest in going broke over either. We match the plan to the care you actually use, not the care a brochure assumes you'll never need.
is what people in your shoes save in a year, on average. We can't promise that's you. But if you're on this page because the description fits, the odds aren't bad. Coverage for regular care shouldn't cost you a second mortgage.
One person, real care needs. We build around your doctors, your meds, and a budget that holds up.
Two sets of prescriptions, two sets of doctors. We look at both before we say a word about a plan.
Kids change the math, but the approach doesn't. The whole household gets covered for regular care and the unexpected.
You've got people you trust. A primary care doctor, maybe a specialist or two. Tell us who they are and we find a plan that keeps them. You shouldn't have to start over with a stranger to save money.
We go through every medication you and your spouse take, one by one, before we recommend anything. Many plans offer $0 generics and real help on the pricey stuff. Nobody likes a surprise at the pharmacy counter.
Your plan needs to cover your doctors, your prescriptions, and the big stuff. If the plan that does all three is out of your budget, we'll show you options you can actually live with. Cheaper isn't the goal. Right is.
Regular care is the day-to-day. The hospital stay you didn't see coming is the part that bankrupts people. We make sure the plan handles both, not one at the expense of the other.
“What stands out most is Forge's professionalism and responsiveness. My broker always takes the time to explain details in clear, digestible pieces, which has made the whole thing so much less overwhelming.”
“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.”
“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.”
Realizing you need better coverage rarely happens to land neatly inside open enrollment. We have options January through December, so you're not stuck waiting until fall.
We go over quotes that fit your needs, from catastrophic-only all the way to fully loaded. You tell us your doctors and your meds. We do the digging.
If you don't qualify for a tax credit, the marketplace isn't built for you. There are plans designed for people earning above the subsidy line, and they often cost less for better access.
We cap how many clients each broker takes, on purpose. When your plan goes live you get a real support team plus one-on-one help from your broker. Crazy, we know.
Take the 3-minute HealthCare DNA quiz. Tell us your doctors and your prescriptions, and we'll show you coverage that fits how you really live.
See your fit (3 min)Usually not. Give us the list of doctors you want to keep and we find a plan that works with them. We use PPO networks, which means a lot of doctors to choose from. If one of yours isn't in network, we'll tell you straight instead of letting you find out at the front desk.
We go through every single medication before we recommend a plan, so there are no surprises. Many plans offer $0 generics and programs to bring down the cost of the expensive ones. A drug that isn't covered one way might be cheap another way. That's exactly the kind of thing we sort out for you.
You've got options the marketplace doesn't advertise. There are plans built for people earning above the subsidy line, often for less money and better access. The marketplace is a good deal if you qualify for a tax credit. If you don't, it's frequently the most expensive door in the building.
Often, yes. The goal isn't the cheapest plan, it's the right one. We'll show you how to trim out-of-pocket cost, not just premium, while keeping the care you need. If a plan saves money by quietly dropping something you actually use, that's not savings. That's a trap, and we'll call it one.
It can be either, depending on what fits you best. 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 specific plans, carriers, or providers 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.
