Is your health insurance actually a good deal?
We offer Healthcare that is affordable, giving you access to the doctors and services you want.
And it's not just for individuals, families or small independent business owners. Our trained staff is there to do the heavy lifting and tiresome tasks, to make it easy for your business to integrate our Healthcare plans into your benefits package. And to save both you and your employees money, while enjoying top rated health care coverage.
High-quality healthcare that fits your budget and your needs.
Open enrollment - get started with a plan that suits you, any time.
Designed for self-employed and 1099 employees, but available for W-2 employees also.
Your Health is our Priority!
Upgrade and save - it's that simple!
Read below for interesting facts, stories and information
Some of the names have been changed.
David's Testimonial:
"I switched my family to Clearwater's coverage, and the results have been nothing short of amazing. We now have better coverage than our previous Cigna Health Insurance. Not only did our deductible decrease, but we're also saving over $600 per month. It's a game-changer!"
Steve's savings:
Steve, a small business owner, was on a State sponsored health plan. (ACA) In 2022 his monthly cost was $800. In 2023 it increased to $1000. In 2024 was going to increase to $1265. We signed Steve up on our Advanced Pro + at $527 a month saving him $738 a month, or $8,856 a year plus it had a much lower deductible.
Terry's Story:
"I was hospitalized with COVID. While in there I had a heart attack. I spent 2 weeks in the ICU and over 2 months in the hospital. My bill was $2,000,000. My out of pocket cost was just $1,000. Clearwater covered everything else! I'm so thankful I switched to Clearwater"
Jim, Ellen and the Kids:
They had a unique situation. They are also small business owners that had two insurance plans with one of the big 4 because it was cheaper than one plan. Jim had one policy that covered him and their children at $1597 a month. Ellen had her own policy that cost $735 a month. We found them a new plan that covered everyone, with a low deductible of $2,500. This plan only cost $1344, saving them $988 a month or a whopping $11,856 a year. Jim said the savings are going into a college fund.
Care Coordination service
Our team will work to help you find lower cost, high quality providers for labs, imaging, and major procedures.
$0 Telemedicine
Get healthcare from the comfort of your own home 24/7 with $0 telemedicine visits.
Expanded PPO network
Plans are part of nationwide PPO networks so you can have broad access to providers.
Mental health care included
Mental health matters – that’s why we partnered with Talkspace. Included with all plans.
Save money, each and every month
With a variety of healthcare solutions, we provide you with high-quality healthcare at an affordable rate.
Low cost prescriptions
Plans offer competitive prescription pricing, patient prescription programs to help with specialty medications, and some plans even have $0 generics.
We are thrilled to announce the launch of our new Health Share service in partnership with Clearwater! This revolutionary service is set to redefine the health insurance landscape, and we want you to be at the forefront of this change.
The Current Health Insurance Landscape:
Just in the past five years, the health insurance sector has seen a concerning trend:
- Rising Premiums: The average health insurance premium has increased by approximately 30%.
- Higher Deductibles: Deductibles have risen by nearly 40%, making out-of-pocket costs a significant burden for many Americans.
These escalating costs have made it challenging for many to afford quality health care, emphasizing the need for affordable alternatives like Clearwater.
Why is this service crucial for America?
- Staggering Statistics: In the U.S., 65% of bankruptcies are due to medical debt. Shockingly, 90% of these individuals had insurance -but not adequate protection.
- Additionally, around 9 million independent contractors don't have any health plan.
Why Did DAC Chose Clearwater? Because they match or improve what is offered by Health Insurance Providers - but at a heffy discount.
- Advanced Plan: Offers comprehensive coverage for day-to-day needs, including set amounts similar to co-pays for doctor visits, x-rays, labs, and imaging. It also provides out-of-network prices.
- Basic Plan: A more streamlined version, suitable for those who require essential coverage without the additional benefits of the Advanced Plan.
- HSA Plan: High Deductible Health Plan (HDHP) tailored for those who want to combine their health plan with a Health Savings Account (HSA).
- Pre-existing Conditions: Clearwater has a 12-month look-back for most conditions, with specific guidelines for conditions like cancer, heart disease, and COPD.
- Maternity Coverage: Clearwater offers comprehensive maternity coverage, ensuring that members receive the support they need during this crucial period.
Cost Ranges:
- For families, the most popular plan is the Advanced 2500 which has a $2,500 individual max (Deductible) and no upper limits to coverage sharing.
- For most families, this plan costs around $850 to $900 per month. However, with added coverage options, it can go up to around $1100 or more (note: this is the Plan David Rutz chose for his family and saved over $600 per month off Cigna Insurance and lowered deductible by $1500 per person)
- For an individual in their 20s looking for the lowest monthly cost, it can be around $180.
- Pre-existing Conditions: Clearwater has a 12-month look-back for most conditions, with specific guidelines for conditions like cancer, heart disease, and COPD.
- Maternity Coverage: Clearwater offers comprehensive maternity coverage, ensuring that members receive the support they need during this crucial period - and will even cover people already pregnant when acquiring the coverage.
The Clearwater Difference
$10K
Average annual family savings
>90%
Doctors and specialists in-network
300+
5 Star Google reviews
Ready to build your own plan?
Transparent pricing, customizable plans, and a free online quote tool. We can find the perfect coverage to fit your needs. Individual plans. Couples plans. Family plans. Small business plans to help attract new employees or keep existing workers. Bigger businesses looking to save money on their existing Healthcare coverage. Whether it's the Clearshare coverage. Or Clearwater Health insurance. We can help you if you qualify under the Affordable Care Act. Our concierge health service will listen to your needs and help you find just what you are looking for. Your good health is our #1 priority.
Get started today!