A budget that moves with you
Compare monthly costs against what you expect to pay for visits, medications and larger medical needs. Build healthcare into your business budget with a clear view of the tradeoffs.
For freelancers, consultants, contractors and gig workers
Your business is independent. Your healthcare can be personal.
You handle the clients, the deadlines and the next opportunity. Let SmartHealth help you compare healthcare benefits around your work, care needs and budget.
A quote request does not enroll you or guarantee benefits.
Understand the arrangement. SHC options may combine insured and non-insured benefits. Medical sharing is not insurance. These arrangements differ from traditional major medical coverage; review the exact plan before choosing.
Built around your priorities
More time for your work. A clearer plan for your care.
Care beyond office hours
Explore plans with virtual care when a busy schedule makes an office visit difficult. Check which services need an appointment and which can be accessed around the clock.
Guidance without an HR department
Bring your doctor and prescription list. An SHC advisor can help you check networks, benefits and eligibility before you make a decision.
Prepare for a useful conversation
A little preparation. A more personal quote.
Share what matters to you so the comparison reflects your life. Review monthly costs alongside service costs, provider access and benefit limitations.
Explore my self-employed options ?Have these details ready
- Who needs benefits: you, a partner or your family
- Your monthly budget and expected care
- Providers, prescriptions and travel needs
Discuss sensitive medical information directly with your advisor through the appropriate process.
SmartHealth Everyday options
Explore the plans. Compare the details.
Start with your care needs. Your advisor can help you determine which arrangements are available and explain the differences.
Everyday
Preventive Plus
Virtual care, preventive visit benefits, prescription discounts and medical sharing. Review visit allowances and sharing rules.
Read plan details ?Everyday
FlexCare
Primary care copays, virtual services and prescription benefits, with separate medical sharing for eligible larger expenses.
Read plan details ?Everyday
VitalCare
Defined outpatient copays for primary and specialist visits, plus virtual care and separate medical-sharing options.
Read plan details ?Everyday
Essential MV
Routine and virtual care with defined hospital and surgical benefits. Review deductibles, service limits and exclusions.
Read plan details ?Plan descriptions are starting points, not a recommendation or a guarantee of benefits. Obtain a personalized quote and the current plan documents.
Answers before you decide
Your questions deserve clear answers.
Can independent contractors request a quote?
Yes. Freelancers and 1099 professionals can explore individual or family arrangements, subject to availability and eligibility.
Will my benefits depend on a particular client?
Ask an advisor about individual enrollment and how the selected arrangement works if your contracts or work situation change.
Can I deduct the cost through my business?
Tax treatment depends on your circumstances and the arrangement. Review the specific cost with your tax professional.
What happens after I request a quote?
Review available options with an advisor, confirm eligibility and costs, and read the plan documents. Complete enrollment only after you understand the arrangement and have confirmed the effective date.
People first. Clear guidance.
Let’s find your next step.
Explore benefits around your needs, with someone to explain the details.