Planning your 2027 coverage? Compare before you renew.
Earn too much for a subsidy? There’s another way to cover your family.
BHealthE helps self-employed people and small-business owners and retirees under 65 compare group health benefits, vision, dental, life options with Marketplace plans, in plain English with no pressure.
Not ACA Marketplace insurance. Group health benefits have different eligibility rules, costs and coverage limits. See how it’s different.
If health insurance feels like it wasn't built for you — you're right.
If you're self-employed, run a small business, or work for yourself in any way, you've probably felt it: the premiums that climb every year, the plans that cover less than you thought, the jargon that makes smart people feel lost. It isn't your fault. The system was designed around big employers — and everyone else pays the difference.
Getting covered shouldn't take a law degree. Here's how it works:
Talk with an Independent Advisor
A short, friendly conversation about what you have and what you're paying today.
Get matched
A quick eligibility check matches you with health benefit alternatives and other valuable programs that fit your work, your family, and your budget.
Enroll and relax
Review the terms, confirm your enrollment and effective date, and use your member hub.
Is this right for you?
A better choice starts with an honest comparison. Group health benefits may suit some people who work for themselves; Marketplace coverage may be the better fit for others.
Worth exploring if…
- You are self-employed, a freelancer, a gig worker, small-business owner, under 65 retiree.
- You are paying full price for coverage and want to compare alternatives.
- You can meet the participation and eligibility requirements, and the plan fits your family’s needs.
Marketplace coverage may be a better fit if…
- You qualify for substantial subsidies or other financial help.
- You have ongoing care needs or specialty prescriptions that the group plan may not cover.
- The plan’s provider network, limits or participation requirements do not fit your situation.
Compare total costs, covered services, doctors, medications and exclusions before switching. Eligibility is subject to review; an Advisor can help you compare options, including keeping the coverage you already have.
More than a plan. A hub for your family’s health.
Group health benefits
Access to group health benefit plans with nationwide provider networks
Telehealth
24/7 telehealth for primary care and urgent questions
Lower medication costs
Pharmacy advocacy programs that fight for lower medication costs
We've been on the inside. Now we're on your side.
BHealthE was founded by Gary Wright, who spent decades building and auditing benefit plans for companies and their families. He saw firsthand how difficult it can be for people who work for themselves to find coverage that fits their budget. BHealthE helps self-employed people and small-business owners understand group health benefits and compare them with the coverage they have today.
Build the rest of your coverage, too.
When you work for yourself, nobody hands you dental, vision or life insurance. BHealthE Independent Advisors help freelancers, gig workers and small-business owners pick the pieces they actually need, with options for one person or one family.
- Life insurance
- Dental coverage
- Vision coverage
- Accident coverage
- Pet care
Ask your Advisor about separate coverage options. Availability, pricing and terms vary by product and state. These options are separate from group health benefits.
Honesty about trade-offs
Every option we show you comes with what it doesn't cover, not just what it does.
Guides, not salespeople
Our Independent Advisors are trained to help you make a better choice — including, sometimes, the choice to stay right where you are.
Understand the differences before you switch.
Individuals and their families may qualify for health benefits as an alternative to the ACA Marketplace or traditional individual health insurance. Individuals and their families may also find savings through ancillary programs like dental, vision, life, accident, pet insurance. Eligibility requires a suitability review, and monthly contributions. Specialty medications are not covered; some plans limit visits or admissions. Availability varies by state. Your BHealthE advisor will compare benefits, exclusions, provider access and total costs before you make a change.
Frequently Asked Questions
Is this ACA Marketplace insurance?
No. These are group health benefits. We offer plans that are different and valuable for members outside the ACA and traditional individual health insurance plans. Ask your BHealthE Advisor to explain the eligibility requirements, costs, limits and exclusions.
What does it cost?
Costs depend on the plan and your situation. Ask your Advisor for a written comparison of monthly contributions and other out-of-pocket costs before deciding.
Do I have to change doctors?
Check your doctors and hospitals against the specific plan’s current provider network before switching. Your Advisor can help you verify provider access.
How fast can I be covered?
Your Advisor can explain the enrollment process and confirm the effective date for your plan. Do not assume coverage has started before you receive confirmation.
“Jackie W. and her family saved $1,400 per month.”
Ready for real numbers instead of jargon?
Let’s compare your options.
Understand the costs, benefits and trade-offs before you choose.