Hate Health insurance? Then you'll love this.
Affordable health benefits, built for individuals and families $0 deductibles. One easy platform
Get comprehensive health coverage designed for individuals. Enjoy 24/7 telehealth access, wellness programs, and transparent pricing without the hassle of traditional insurance.
Choose Your Plan
Affordable small business health insurance with transparent pricing and no markups. All plans include comprehensive coverage.
Dental and Vision Plan
Benefits Include
- No waiting periods--use immediately, even for pre-existing conditions
- Pay the discounted price directly at participating dentists
- Dental 40-60% discounts off all dental service
- Vision 20-40% off all vision and eyewear or Lasik surgery
Foundation Plan
Benefits Include
- Access to 20,000+ gyms & 4,000+ virtual fitness classes
- Up to 40% off at 400+ wellness retailers
- Exclusive wellness perks and discounts
- 24/7 Virtual Primary Care
- $0 generic medications & immunizations
- Everyday 1to1® Care Navigation:
- White-glove appointment scheduling, referrals, and cost negotiation
Premium Plan
Benefits Include
- Access to 20,000+ gyms & 4,000+ virtual fitness classes
- Up to 40% off at 400+ wellness retailers
- Exclusive wellness perks and discounts
- 24/7 Virtual Primary Care
- $0 generic medications & immunizations
- Everyday 1to1® Care Navigation:
- In-office Primary & Urgent Care
- Pediatric Care
- Annual physicals & well-child visits
- 12 Chiropractic visits/year
- $0 Labs, Mental Health Tele-Counseling, and Rx
- Virtual Specialist Curbside Consult
Premium Plus Plan
Benefits Include
- Access to 20,000+ gyms & 4,000+ virtual fitness classes
- Up to 40% off at 400+ wellness retailers
- Exclusive wellness perks and discounts
- 24/7 Virtual Primary Care
- $0 generic medications & immunizations
- Everyday 1to1® Care Navigation:
- In-office Primary & Urgent Care
- Pediatric Care
- Annual physicals & well-child visits
- 12 Chiropractic visits/year
- $0 Labs, Mental Health Tele-Counseling, and Rx
- Virtual Specialist Curbside Consult
- Hospital coverage for serious medical events
- Lower financial risk and out-of-pocket costs
Traditional Health InsuranceIs Broken
For decades, health insurance has been sold as "protection" — but for individuals and families, it's become an expensive trap that delivers less value every year.
The 6 Major Problems
These issues cost you money, time, and peace of mind
Skyrocketing Premiums
Every year costs go up by 10-18%, yet coverage rarely improves. It's like paying more for less.
Huge Out-of-Pocket Costs
Deductibles and co-pays so high that people avoid care entirely, defeating the purpose of having insurance.
Confusing Rules & Fine Print
Networks, pre-approvals, surprise bills, and hidden clauses leave you guessing about real costs.
Inefficient & Wasteful
Layers of middlemen inflate costs while delaying care and adding bureaucratic red tape.
One-Size-Fits-All Plans
Pricing bias against small businesses and high-headcount industries makes coverage unaffordable.
Broken System
The result? Individuals and families pay more, get less, and the healthcare system stays broken.
We Flip the Model
Reef removes the bloat, confusion, and inflated pricing of traditional insurance to deliver healthcare that actually works.
Transparent, Predictable Pricing
Flat monthly rates—no guessing, no surprise bills, no hidden fees.
Virtual-First Care, 24/7/365
Access to doctors, urgent care, specialists, and mental health support anytime, anywhere.
Minimal or $0 Out-of-Pocket
No one skips treatment because of cost. Period.
Personal Care Navigation
We handle scheduling, referrals, cost negotiations, and follow-ups so you never navigate alone.
Nationwide Access
Same pricing in every state, without punishing small groups or specific industries.
Whole-Family Coverage
Affordable plans that protect your entire household—not just one person.
Lower costs. Better care.Zero confusion.
With Reef, you're not buying "insurance"—you're getting healthcare that actually works. We protect your people, reduce your costs, and eliminate the hidden traps that make traditional insurance so expensive and frustrating.
We changed the game so you get assurance, not more "insurance."
What if going to the doctor 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.
What Our Members Say
Real feedback from individuals and families who've experienced the Reef difference in their health coverage.
No Regrets Switching
We switched from Blue Cross and have no regrets. The coverage is comprehensive and the cost savings are significant.
Better Health Coverage
Reef helped provide better health coverage significantly. Our team loves the benefits and it shows in their satisfaction.
Huge Value & Convenience
Huge value and incredible convenience. The platform is easy to use and the benefits are exactly what we needed.
Easy Appointments
Easy to schedule appointments and the 24/7 telehealth access has been a game-changer for our team.
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