For Small Business Owners & 1099 Contractors
You built your business on your own — your health coverage shouldn't be an afterthought because nobody's handling it for you. We specialize in private plans and group benefits built specifically for business owners and independent contractors.
The Problem
No employer-sponsored plan, no benefits coordinator, no one fielding your questions. Just you, a deadline, and a confusing marketplace.
You're running payroll, managing a team, and trying to grow — benefits shopping keeps getting pushed to "next month."
Without group rates or employer contributions, you're often stuck comparing confusing marketplace plans with no one explaining the tradeoffs.
How We Help
You get a dedicated advisor who already knows your situation — not a different rep on every call.
Whether you're a solo contractor or running a team of 20, we compare private PPO, HSA-eligible, and group plans against what actually fits.
Annual reviews happen automatically — you won't get stuck paying for a plan that no longer fits your business or your team.
If you're hiring, a strong benefits package is how you keep good people — we help you build one that fits your budget.
Two Ways to Cover Your Team
Every business is different, so we offer two proven paths. We'll look at your team size, budget, and goals, then show you both options side by side and tell you which one we'd choose in your position.
OneShare Health · UnitedHealthcare · Everest
Each employee gets a plan chosen for their own household, and your business gets one consolidated monthly bill. It's the flexibility of individual coverage with the simplicity of a group.
Best for: teams under 5, teams spread across states, and owners who want maximum flexibility.
Cigna, PHCS & First Health networks · Administered by Marpai
A true small-group health plan built to rival big-company coverage at a lower monthly cost, with the stability small businesses rarely get.
Best for: businesses with 5 or more employees who want a real group plan to recruit and keep great people.
| List-billed individual plans | ITH SmartCare group plan | |
|---|---|---|
| Minimum size | No minimum | 5 enrolled |
| Participation requirement | None | None |
| Plan choice | Each employee picks the plan that fits their household | Business offers a menu of 8 plans (4 major medical, 4 MEC) |
| Billing | One consolidated monthly bill | One group bill |
| Rate stability | Set by each plan at renewal | Locked for 2 years |
| Networks | Varies by plan | Cigna, PHCS, and First Health |
| If an employee leaves | Individual plans can often stay with them | Coverage ends with the group, as with any employer plan |
Plan availability, underwriting, and rates vary by state, group size, and employee health; some major medical options require a health questionnaire. OneShare Health is a health care sharing ministry, not insurance, and payment of medical expenses is not guaranteed. MEC plans satisfy the ACA's minimum essential coverage requirement but are not comprehensive major medical coverage. How an employer contributes toward individual plans can have tax and compliance rules, such as using an ICHRA or QSEHRA. We'll connect you with the right partners to set it up correctly.
Getting a Group Quote
We learn your team size, locations, budget, and what you have today. Bring your current renewal if you have one.
You fill out a short business intake. When a plan needs health information, employees get a secure, HIPAA-compliant link to complete it privately.
We compare ITH SmartCare, list-billed individual plans, and your current coverage in plain language, with a clear recommendation.
Paperwork by the 15th, coverage on the 1st. New hires, renewals, and claims questions come to us all year.
Built For
Whether you're a consultant, a gig worker, or run a one-person operation, we find private coverage that doesn't assume you have someone else handling your benefits.
From your first hire to a team of 50, we design group benefits that fit your budget and help you compete for the people you want to keep.
What Business Owners Say
A free 30-minute conversation — no call center, no pressure, just a real advisor who understands running a business without a safety net behind you.
Book Your Free ConsultationCaldex Health · Independent licensed insurance agency · Devin Caldwell, Licensed Agent, NPN 20206030 · Florida resident license; licensed in additional states. License status can be verified at nipr.com.
Important disclosures. Caldex Health offers ACA-compliant health plans as well as products that are not comprehensive health insurance. Fixed indemnity plans pay a set dollar amount for covered events; they are not health insurance, do not pay based on your actual medical bills, and are not a substitute for comprehensive coverage. Short-term medical plans are not ACA-compliant, may exclude pre-existing conditions, and do not cover all essential health benefits. Health care sharing ministries (such as OneShare Health) are not insurance companies, their programs are not insurance, and payment of medical expenses is not guaranteed. Supplemental, dental, and vision plans have limitations and exclusions. Unless stated otherwise, these products are not minimum essential coverage under the Affordable Care Act. Plan availability, benefits, and pricing vary by state, and not all plans are available in all states. Caldex Health may be compensated by insurance carriers when you enroll. Caldex Health is not affiliated with or endorsed by HealthCare.gov, the Health Insurance Marketplace, Medicare, Medicaid, or any government agency. To explore comprehensive coverage on your own, visit HealthCare.gov or call 1-800-318-2596 (TTY 1-855-889-4325).