Look beyond the payroll deduction
Compare the monthly cost with doctor visits, prescriptions and potential larger expenses. An affordable payment matters alongside the care the arrangement supports.
For employees without employer benefits or facing an unaffordable company plan
You work hard. Let’s find healthcare that fits.
If your job doesn’t provide healthcare—or the available plan strains your budget—you have options to explore. SmartHealth helps you compare individual and family benefits with a clear understanding of costs and limitations.
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 clarity for the decision your paycheck feels.
Include the people who depend on you
If you need spouse or child benefits, compare the household cost. Ask about eligibility and the services each family member expects to use.
Make an informed change
Compare SHC benefits with your employer and Marketplace options. Confirm what is included, what is excluded and when new benefits begin before making a switch.
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 employee options ?Have these details ready
- Employer plan cost, if one is offered
- Who needs benefits and your monthly budget
- Doctors, prescriptions and current end dates
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 I request a quote if my employer has no benefits?
Yes. You can explore individual or family options subject to your location and the selected plan’s eligibility requirements.
Can I compare options if my employer offers a plan?
Yes. Review the full employer offer alongside other available options. Have an advisor explain differences before changing benefits.
Does requesting a quote enroll me?
No. A quote request does not guarantee benefits or complete enrollment. Confirm eligibility, enrollment requirements and the effective date separately.
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.