Clearwater Benefits
UNBELIEVABLY BETTER BENEFITS
FOR INDEPENDENT WORKERS · FAMILIES · BUSINESSES
Health benefits designed for the way you actually work — major medical, health share, holistic, and supplemental plans at prices that make sense.
Freya is our AI benefits guide — she'll find your price in minutes, by voice or chat.
30%
Businesses can save up to 30% compared to traditional carriers
60%
Members can save up to 60% — as much as $10K a year
$0
Care options with $0 out-of-pocket on select plans
TPA
Licensed brokerage & Third Party Administrator
No jargon, no 40-page packets. Just a straight path from curious to covered.
Tell us your name, phone, and email. That's the whole form — thirty seconds, tops.
Our AI benefits guide calls you back, asks a few quick questions, and shows real prices for plans that fit.
Pick your plan online and our enrollment team finishes the details with you. Done.
One platform, four ways to get covered. Freya will help you figure out which fits.
ACA-ALIGNED COVERAGE
Comprehensive major medical plans for individuals and families — preventive care, hospitalization, and prescription coverage on broad networks.
COMMUNITY-POWERED
Health sharing memberships for people who want an intentional alternative — transparent guidelines, community-funded needs, and real savings.
WHOLE-PERSON CARE
Plans that look beyond the doctor's office — wellness, preventive, and alternative care options alongside everyday coverage.
FILL THE GAPS
Accident, critical illness, dental, and vision add-ons that protect your budget when life surprises you.
FOR BUSINESSES
Save 30% or more compared to traditional carrier renewals — that's $3,000–$4,000 per employee back in your budget — while giving your team benefits they'll actually use. Healthier teams, happier workplaces, easier recruiting.
Talk to our team
Group plans with 50% participation targets, stop-loss options, and care coordination built in. Get a business quote in 24 hours.
Major medical open enrollment runs November 1 through December 31, with coverage starting January 1. Outside that window you can enroll if you have a qualifying life event — marriage, a new baby, losing other coverage, and similar changes.
Get your free quote now, or just talk to Freya — she's ready when you are.