Fixing a Broken Health Insurance System

How one company is rebuilding health benefits for small businesses from the ground up

If you’ve ever tried to offer health insurance to your team, you’ve probably had the same reaction most small business owners do: sticker shock, confusion, and a sinking feeling that you’re still not getting much in return.

That’s because the system is, frankly, broken. Traditional health insurance models are built to benefit middlemen—not business owners or their employees. In 2024 alone, insurance companies pocketed $603 billion in profits—while everyday people got stuck with high deductibles, surprise bills, and confusing networks.

Reef Health decided to do something about it.

Instead of relying on bloated insurance infrastructure, Reef rebuilt the experience from the ground up to deliver health assurance—real care, predictable pricing, and meaningful benefits that employees can actually use.

For just $29/month, your team gets access to:

• 24/7/365 telehealth with no copays or deductibles

• In-office urgent care

• Free generic prescriptions

• Nationwide fitness memberships

• Mental health counseling

• Deep discounts on wellness, groceries, tech, and even pet meds

No network confusion. No bill surprises. Just care that’s easy to access and understand.

And since Reef isn’t feeding a system of middlemen and claims processors, you’re not paying for inefficiency—you’re investing directly into benefits your team values.

In short: Reef Health isn’t insurance. It’s a smarter, modern way to deliver care—and it’s built for small businesses like yours.