Not employer‑locked
ClearHealth is designed as portable individual coverage. Employers can help fund it, but the member relationship does not have to end when the job ends.
Health coverage that follows you, not your employer.
ClearHealth is a portable, HSA-compatible high-deductible health plan concept built for people who want transparent prices, pre-tax or tax-deductible healthcare savings, and protection that does not disappear when a job changes.
PortableIndividual coverage designed to move with you
HSA-readyYou or an employer can fund eligible HSA savings pre-tax
1 simple ruleCash price or Medicare + 20%
What is ClearHealth, exactly?
ClearHealth is a portable, HSA-compatible health coverage concept — an alternative to employer-locked insurance designed around cash pricing, tax-advantaged savings, and a clear maximum out-of-pocket limit.
1
Your coverage is yours. It is not tied to a specific employer, open-enrollment job change, or COBRA clock. A small employer can help fund it, but losing that employer should not mean losing the plan.
2
You pair it with an HSA. Because the plan is structured as a high-deductible health plan, eligible members can use an HSA. You can contribute directly, and an employer can contribute where allowed under IRS rules, using pre-tax or tax-deductible dollars.
3
See the price before you go. Your plan card tells any provider: "bill your posted cash price or 120% of Medicare — whichever is lower." You pay from your HSA until your deductible is met.
4
Your exposure is capped. The plan's maximum out-of-pocket limit protects members from unlimited covered expenses; stop-loss reinsurance protects the program from unusually large claims.
Think of it as portable HDHP coverage that finally plays nice with your HSA — whether you are independent, between jobs, working for a small employer, or tired of COBRA-level pricing.
Why ClearHealth
We’ve rethought the plan around four promises: portability for members, HSA-first funding, transparency at the point of care, and dignity for providers.
HSA‑first by design
Members use tax-advantaged HSA dollars for routine care before the deductible. Employers can contribute to the HSA instead of owning the whole insurance relationship.
Cash‑first simplicity
Pay the posted cash price or Medicare + 20%—whichever is lower. No network maze. No mystery billing logic.
How it works
Enroll independently
Your coverage is portable. It can be helped by an employer contribution, but it is designed around the member, not the employer plan.
Fund the HSA
You contribute directly, or an employer contributes where allowed. Routine care is paid with HSA dollars until the deductible is met.
Use transparent care
Providers bill the cash price or Medicare + 20%. If care becomes expensive, the member's covered exposure is capped by the plan's out-of-pocket maximum.
For members
Coverage should not depend on your job. Help us pilot a portable, HSA-compatible plan for independent workers, families, and people caught between employer coverage, COBRA, and high marketplace premiums.
For entrepreneurs & investors
Reviewing the concept? See the full business case, financials, and prescription strategy in one place.
Read the Executive SummaryFor providers
Keep your cash pricing. Get paid faster. Spend less time on admin. We work with small practices and concierge clinics.
Cash or Medicare+20%
A simple rule that respects your posted rates and ensures fairness for patients.
Low‑friction claims
Clean digital submissions, minimal attachment overhead, and rapid adjudication.
Concierge‑friendly
Seamless with concierge models. Transparent for members. Predictable for you.