[###### Businesses
  Helping Small & Medium Businesses Employees
  [###### Individuals & Families
  Helping individuals, families, and 1099 contractors
  [###### Brokers
  Helping brokers grow their book of business
  [###### Referral Partners
  Learn how Clearwater can help your business thrive
  [###### Direct Primary Care
  Health plans that empower physicians and enrich their patient’s lives
  [###### Member Organizations
  Healthcare for the independent workforce
  [###### Distribution Partners
  Become a Distribution Partner at Clearwater
* Explore Plans
  [###### Major Medical
  Comprehensive coverage for healthcare expenses.
  [###### Copay
  Copay for doctors and specialists
  [###### HSA
  Low monthly cost, high annual savings
  [###### MVP
  Occasional doctor visits and coverage for significant medical expenses
  [###### Healthshare
  High-quality plans to fit any budget
  [###### Advanced
  Tailored for individuals with frequent medical appointments and prescription needs
  [###### Basic
  For individuals who seldomly use health benefits beyond preventive care
  For those who rarely use their health benefits outside of preventive needs
  [###### Clearshare
  Good fit for people who are generally healthy and under the age of 65
  [###### Supplemental Insurance
  Industry-leading options to round out your care
  [###### Help Me Decide
  Get into the right plan in less than five minutes
  ###### About Clearwater
  ###### FAQ
  ###### Blog
  ###### Careers
  ###### Contact Us
  [###### Major Medical Member Guide
  How to use your Major Medical plan
  [###### ClearShare Member Guide
  Using Your Clearshare Membership
  [###### MEC Member Guide
  How to use your MEC plan
  [###### Add Your Doctor
  Add your doctor or provider to our network
  [###### ClearShare Pre-Approval
  Submit a ClearShare Pre-Approval
  [###### Major Medical Prior Authorization
  Submit a Prior Authorization
  [###### Provider Resources
  Claims status, verify checks, verify eligibility
members@clearwatersavings.com
877-405-2926
Welcome to Clearwater Benefits
# Better Benefits. Better Price.
Helping individuals and businesses find the best healthcare plan.
## Businesses
## Individuals & Families
## Brokers
* #### For **Businesses**
* #### For Individuals & Families
* #### For Brokers
## Support your talent like never before.
* **Healthcare Benefits For All**
  High-quality, affordable healthcare
* **More Choice, Better Plans, Best Cost**
  Offer unbelievably great health benefits at an affordable price
* **Innovative Plans**
  A new class of benefits you can’t find anywhere else
* **Increase Recruitment & Retention**
  Create a healthier, happier & more productive workforce
* **Free & Easy Benefits Management**
  We take care of everything for you
!
## Finally, health benefits designed for you.
* **Support**
  You work for yourself, we get your benefits to work for you
* **Custom Plans**
  Pay only for what you need and nothing more with the widest selection of plans
* **Major Savings**
  Members can save up to 60% and $10K a year
* **Peace of Mind**
  We help you find the right plan, at the best price, always
* **Real Benefits**
  Plans with mental health, $0 care, and the widest network available
## Benefits your clients will love.
* **Something for everyone:**
  Major Medical, Healthshare, Holistic, and Supplemental plans—tailored solutions for your book of business.
* **No participation rates. No barriers:**
  Individual plans without group health requirements.
* **Cut costs, not coverage:**
  Save 30%+ compared to BCBS renewals—$3,000-$4,000 saved per employee.
* **Boost Recruitment & Retention:**
  Healthier teams. Happier workplaces.
* **Work less, make more:**
  Get quotes in 24 hours. Simplified process, bigger rewards.
## Unbelievably Better Benefits
Hear it from our members: There's lots to love.
###### EXP Realty
Affiliate
###### Jimmy N.
Clearwater Member
###### Jeff Levitan
CEO, Bettr
## What makes us different
We strive to build our plans for everyday people and businesses who want to get back to doing the things they love.
### We
* Clearwater offers health benefits for individuals, families, and small businesses nationwide
* Clearwater offers a full suite of health and benefit options
* Clearwater gets members into the right plan, at the right price, with total transparency—even if it’s not one of the company’s exclusive offerings
* Clearwater is its own search engine, broker, and third party administrator (TPA), offering Major Medical insurance plans and healthshare memberships you can’t find anywhere else.
* Clearwater’s consultative approach makes it easy to find, buy, use, and enjoy high-quality and affordable health plans.
### Other
* Offer plans that may not be inclusive of all healthcare buyers
* May offer only one type of health plan leaving out access to other healthcare offerings, supplementals, and other types of benefits
* May lead with plans that are sales or commission-driven or only offer one type of health plan
* May help with only one aspect of the health and wellness ecosystem
* Plans that are cumbersome, challenging and exhausting
### Unconditional Trust
We do whatever it takes to make sure that when life happens, those we serve keep moving.  Our promise is that we will do whatever it takes to get you and your business into the right plan, at the right price, with total transparency - even if it’s not one of our exclusive offerings.  We want you to be healthy: physically, mentally, and financially.
## Trusted By
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## Frequently Asked Questions
Do you have plans available in every state?
Yes, plans are available in all 50 states.
Can I enroll in a plan if I do NOT have a SSN?
To enroll in a ClearShare membership, only the primary member must have a Social Security Number. Dependents are not required to have a Social Security Number.
To enroll in a Major Medical plan, all members must have a Social Security Number.
Do I need a medical checkup in order to enroll in the plans?
No, you do not need a medical checkup to enroll, but you will be asked specific questions about your medical history on the enrollment form to ensure the membership or plan you are enrolling in will be a good fit for you.
Can I enroll in just dental or vision plans?
Yes, you can enroll in dental and vision plans without bundling them with medical.
What are the dental and vision plan details?
Find more information here:
## Contact Us to Get Started
Together, we’ll explore your options and find your best path forward.
* Links
* Resources
* Contact
* Start a live chat
© 2025 Clearwater Benefits. All Rights Reserved.
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