Businesses | Reef Health

Health insurance costs your business a fortune because the system is built to bill you at every step.

Your doctor's practice, your pharmacy, and your insurance company used to be separate, locally owned businesses. Increasingly, they're not. Major insurers have spent the last decade buying up hospitals, physician groups, pharmacies, and specialty care providers, all owned by the same major public corporations.

When major corporations own every level of healthcare, shareholder return becomes the focus, not your care. It’s a $603B industry last year alone, much of it collected in the space between what you actually needed and what you got billed for. You're left with the bill, and that's IF you're even covered. Healthcare shouldn't feel like financial roulette every time you go see the doctor.

You deserve better. Protect your bottom line, not theirs.

Get Better Healthcare

We changed the game so you get assurance, not more "insurance."

Insurance, as an industry, is built to protect itself from loss. That's not a metaphor. In insurance accounting, a paid claim is literally called a “loss,” and insurers track a “loss ratio” they actively work to keep low. Every time you or your employees use your plan, you're generating the exact number your insurer is trying to minimize.

Assurance works the other way. Reef exists to protect you from unaffordable healthcare, not to protect an insurer's margin from your care. That's the actual difference: one side is minimizing what it pays out, and the other side is built entirely around making sure you get care without it costing you a fortune.

The pressure on the old model isn't letting up either. Small-group insurers proposed a median 11% premium increase for 2026. For 2027, that figure has climbed to 14%, according to KFF.

What if getting care was as easy as flipping on a light switch? No guessing, no surprises, just care when you need it without the financial headache.

That's health assurance: preventative care, real coverage, and benefits you can trust, all at a fraction of the cost.

Get Healthcare you can Trust

What changes for your company, and for your staff.

For the company

Protect your bottom line: fewer surprise claims, fewer disputes, a renewal that reflects real usage instead of runaway costs.
Predictable annual increases, not runaway ones, because small visits stay small instead of stacking into next year's rate.
ACA-compliant coverage without the administrative overhead of a traditional group plan.
A care team acting as an extension of your HR function, not a 1-800 number your employees dread calling.

For your staff

Concierge care navigation: a real person who manages each visit with your staff, taking that off your HR team's plate.
Real price transparency, costs known before the visit, not guessed at after.
An end to balance billing surprises, our negotiated network rate is the full payment, period.
Minimized out-of-pocket costs: no guessing what a visit will cost before it happens.

Not just some 1-800 number. A 24/7 white-glove care team with one job: walking through the medical journey with each member to empower and educate. No guessing, no surprises, just care when you need it.

Choose Your Business Plan

Affordable small business health insurance with transparent pricing and no markups. All plans include comprehensive coverage.

Routine

$209/mo

Designed around everyday care needs.

Health and Fitness Classes at over 13k facilities and 4k virtual classes.
Health and Wellness Discounts, unlocking up to 40% off at over 400 national retailers.
24/7/365 Telehealth Primary Care
24/7 Care Medical Concierge
No fee generic medications
In-office Primary & Urgent Care
Pediatric Care
Annual Physicals
Lab Work + X-Rays
Mental Health Tele-Counseling
12 Annual Chiropractic Visits
Hospital Coverage with max out of pocket at only $4k per person. Set max cap.

Most chosen

Hospital

$509/mo

Everything in Routine, plus hospital coverage.

Health and Fitness Classes at over 13k facilities and 4k virtual classes.
Health and Wellness Discounts, unlocking up to 40% off at over 400 national retailers.
24/7/365 Telehealth Primary Care
24/7 Care Medical Concierge
No fee generic medications
Expanded formulary
In-office Primary & Urgent Care
Pediatric Care
Annual Physicals
Lab Work + X-Rays
Mental Health Tele-Counseling
12 Annual Chiropractic Visits
Hospital Coverage & Emergency Room
Additional Protections

Hospital Plus

$609/mo

Everything in Hospital, plus additional protection.

Health and Fitness Classes at over 13k facilities and 4k virtual classes.
Health and Wellness Discounts, unlocking up to 40% off at over 400 national retailers.
24/7/365 Telehealth Primary Care
24/7 Care Medical Concierge
No fee generic medications
Expanded formulary
In-office Primary & Urgent Care
Pediatric Care
Annual Physicals
Lab Work + X-Rays
Mental Health Tele-Counseling
12 Annual Chiropractic Visits
Hospital Coverage & Emergency Room
Additional Protections

how it works

Book Your Call

Start your journey with a simple call to join our network of satisfied members.

Build Your Plan

Customize your health benefits package to fit your business needs and budget perfectly.

Onboard + Save / Enjoy

Complete the quick onboarding process and start saving money while enjoying comprehensive health benefits.

How Reef Health Works For Your Business

Nationwide Care 24/7

Access to 24/7 virtual care and 900,000+ providers nationwide or add your own doctor.

Attract & Retain Talent

Increase participation with an affordable plan employees can use and cut out-of-pocket cost in half.

Reliable Rates

Overcome affordability challenges by spending 40% less in under 2 years of healthcare.

Get Started

Frequently Asked

How is Reef Health different from traditional health insurance?

Reef Health is not traditional insurance. It's a cost-effective, tech-driven healthcare solution tailored for small businesses, solopreneurs, families, and individuals. Unlike traditional insurers that inflate costs, often charging 8-10 times more than cash pay while prioritizing profits over people, Reef Health eliminates unnecessary markups and administrative barriers, ensuring transparent pricing and seamless access to quality healthcare without the risk of denied coverage.

• Eliminates expensive middlemen (insurance carriers, third-party administrators, and pharmacy benefit managers)
• Offers direct-to-provider national access for lower costs and better care
• Provides concierge-level support for a seamless healthcare experience
• Ensures transparent, upfront pricing with no hidden fees

It seems too good to be true. How can Reef Health offer such low costs?

It's a fair question, and the honest answer is that traditional insurance isn't actually built to keep your costs low; it's built to manage its own loss ratio, which is the industry's own term for the percentage of your premium it has to pay out in claims. Every visit you make works against that number from the insurer's side. Layer on a pharmacy network administrator, a claims processor, and increasingly a pharmacy and physician network that all answer to the same parent company, and you end up with several businesses each taking a cut of the same visit, all optimized around the same goal: minimizing what gets paid out.

Reef works differently because we're not managing a loss ratio. We work directly with providers, so there's no chain of intermediaries each adding their own markup, and no incentive working against you every time you need care. That's how the pricing stays real instead of inflated. And the math is simple: if a $1,850 billed visit actually costs $175 through Reef, that's a 90% reduction on that one visit alone, before you even factor in what it means for your rate at renewal.

How much does a business need to contribute?

Employers can choose from three contribution models: fully fund coverage for employees, partially fund the cost, or allow employees to self-pay. Employer contributions start at $199 per employee per month for hospital and in-person care — significantly lower than traditional insurance premiums.

Is Reef Health a Minimum Essential Coverage (MEC) plan under the ACA?

Yes. Reef Health plans comply with ACA regulations in multiple ways. Under Part A (Minimum Essential Coverage), the Hospital and Hospital Plus plans meet MEC requirements. Under Part B (the Affordability Standard), Reef's employer-sponsored plans make ACA compliance simple for Applicable Large Employers (50+ employees) — a cost-effective alternative that meets minimum contribution requirements.

Can we keep our current traditional plan and add Reef?

Yes. Reef can be used as a standalone alternative or as a supplement to traditional insurance. Many businesses add Reef for up to 40% cost savings, to cover part-time or previously uninsured staff, or to reduce overall benefits spend while maintaining essential coverage.

Do employees have to switch doctors?

No. Members can keep their preferred doctors. They can use Reef's direct provider network, visit an out-of-network provider with cost-saving guidance, or use telehealth. If a doctor is currently out-of-network, Reef will work to onboard them, with a high success rate.

Who does Reef Health use for their health network service providers?

Reef Health partners with the PHCS Practitioner Network (through MultiPlan) for its in-person care network, giving members access to roughly 1 million doctors, hospitals, and healthcare professionals nationwide. Redirect Health's own Care Navigation services handle virtual care, scheduling, and case management through the member app.

What happens if an employee has a serious medical event?

On the Hospital and Hospital Plus tiers, hospital coverage applies. In an emergency, the member calls 911 and goes to the ER first, then contacts Reef's care team as soon as they're able, so the team can start coordinating the visit. For planned surgery, the care team negotiates rates in advance and explains member responsibility before the procedure.

We rebuilt the model,
making healthcare more affordable for small businesses.

Health insurance costs your business a fortune because the system is built to bill you at every step.

We changed the game so you get assurance, not more "insurance."