Smart Health
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Group health benefits
for W-2 employees

Stop paying marketplace rates. Join a group health plan and save an average of $200/month.

✓ No sign-up to see rates✓ 40 states live✓ Real PPO / HSA networks
See your rate
30 seconds. No sign-up, no email.
PPO / EPO / HSA plans via Aetna & Blue Cross Blue Shield. Full major medical coverage.
Join now
Group rates replace individual underwriting. Most Working Owners save 25 to 45% compared to the marketplace.
2,500+
Working Owner members
$6M+
saved every year
40
states live
30 seconds
to see your rate

Check if your doctor is in-network.

Enter a doctor, hospital, or ZIP above, then search across all three of our carrier directories.

Search to see your networks
Enter a doctor, hospital, or ZIP above and click Search networks to check Aetna, Blue Cross Blue Shield, and First Health at once.

Live in 40 states. More coming.

Click any state to see what's available, then jump straight into the calculator.

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Available · 40 statesNot yet available · 11 states
Selected state
Nebraska
Available
NetworkAetna + BCBS
Plan typesPPO · HSA
Deductibles$500 – $7,350
Plans in this state8

How it works.

The marketplace wasn't built for independents. It rates you alone, as a party of one. We pool thousands of self-employed members together so you get priced like a team of a thousand. Same networks, group rates.

NetworksAetna PPOBlue Cross Blue ShieldFirst HealthPHCSMyLiveDoc Telehealth
01

Sign up & see if you qualify

A quick 3-minute suitability check confirms you meet the Working Owner requirements. No email marketing, no sales call.

~3 min
02

Pick your insurance provider

Choose from Aetna PPO, Blue Cross Blue Shield, First Health EPO, and HSA options. Coverage starts the 1st of next month.

8+ plans
03

Complete a monthly survey, earn $10

As a member of the group, you take a short health survey once a month. Takes 2 minutes and puts $10 back in your pocket. That's your job as a Working Owner.

$10 / month
Carriers and networks we work with
Aetna
Open Choice PPO
Blue Cross Blue Shield
BlueCard PPO · Nebraska
First Health Network
Limited Medical EPO
PHCS
Reference-Based Pricing
MyLiveDoc
Telehealth · 24/7
Detego Health
Plan administrator
Population Science Mgmt
Working Owner group
Aetna
Open Choice PPO
Blue Cross Blue Shield
BlueCard PPO · Nebraska
First Health Network
Limited Medical EPO
PHCS
Reference-Based Pricing
MyLiveDoc
Telehealth · 24/7
Detego Health
Plan administrator
Population Science Mgmt
Working Owner group

Plans that we offer.

Pick one at sign-up. Each one is a real group plan priced like a large employer, not like a party of one on the marketplace. Click any card to see the full plan comparison.

BC
BCBS Plan
Blue Cross Blue Shield · PPO / HSA

Our flagship plan. PPO and HSA options through Blue Cross. Accepted at just about every hospital and in-network doctor.

  • BlueCard PPO network, nationwide
  • HSA-eligible plans available
  • Deductibles from $500 to $7,350
View plan details
Ae
Aetna EPO
Aetna Open Choice · Major Medical EPO

Lower premium for in-network care. Good fit if your doctors are already on the Aetna list.

  • Lower monthly premium
  • In-network care only
  • Telehealth and pharmacy included
View plan details
Ae
Aetna PPO
Aetna Open Choice · Major Medical PPO

More flexibility. See any doctor in or out of network, anywhere in the country.

  • In- or out-of-network coverage
  • Nationwide access
  • Telehealth and pharmacy included
View plan details
PSM
PSM of TN (RBP)
Population Science Mgmt · Reference-Based Pricing

Reference-Based Pricing. Premiums are tied to Medicare rates, which usually keeps your monthly bill the lowest of the bunch.

  • Pricing anchored to Medicare rates
  • Typically the cheapest monthly premium
  • Works with a broad doctor network
View plan details
PSN
PSN of TN PPO
Population Science Network · PPO

PPO through Population Science Network of Tennessee. Strong local coverage with HSA-eligible picks.

  • PSN of Tennessee PPO network
  • HSA-eligible options
  • Competitive rates for TN and nearby states
View plan details
MG
MaxGuard Limited
First Health Network · Limited Medical EPO

A lighter option. Not major medical, but covers office visits, urgent care, ER, telehealth, and hospitalization up to plan limits.

  • Office visits, urgent care, and ER
  • Telehealth and pharmacy included
  • Budget-friendly, benefit limits apply
View plan details

Common questions.

If you're a 1099 contractor, freelancer, gig worker, or self-employed business owner, you qualify. W-2 employees without employer-sponsored coverage can qualify too. The suitability check takes about 3 minutes and confirms you meet the Working Owner requirements. No email blasts, no sales call.
Yes. As a member of the Working Owners group, your job is to fill out a short health survey once a month. It takes about 2 minutes and you get $10 back in your pocket. That small amount of participation is what makes this a real group plan instead of an individual policy.
The marketplace rates you on your own as a party of one. COBRA keeps your old employer plan but at the full premium plus an admin fee. Private individual PPOs sit between the two. Working Owners get priced like members of a large employer group, so most people save 25% to 45% vs the ACA marketplace and even more vs COBRA.
Five major medical plans and one limited medical plan: BCBS (PPO / HSA), Aetna EPO, Aetna PPO, PSM of TN Reference-Based Pricing, PSN of TN PPO, and MaxGuard Limited Medical. Click any plan card above to see the full comparison document. Deductibles range from $500 to $7,350.
40 states are live right now. The 11 not yet live: California, Connecticut, Hawaii, Maryland, Minnesota, New Hampshire, Oregon, Pennsylvania, Vermont, Washington, and Wisconsin. If you move to a live state, you can enroll then.
Coverage is always effective the 1st of the following month. Run the suitability check, pick your plan, then you're in. Enrollment cutoffs are the 18th for BCBS of Nebraska and the 23rd for all other plans. Premiums auto-draft on the 20th of each month.
Still not sure? We can confirm coverage for you.
15-minute call. We'll look up your providers across every network, for free.
Book a coverage check