If you hate health insurance, then you’ll love this.

Let’s be honest—most people don’t exactly love dealing with health insurance.

It’s confusing. It’s expensive. And half the time, you’re not even sure what you’re actually covered for. At Reef Health, we get it. We were tired of the same thing. So, we built something better.

Health Benefits That Actually Make Sense

Reef Health was created to give business owners and their teams the kind of coverage they actually need—without the fluff, fine print, or frustration. Whether you’re running a franchise or leading a small business, our plans are built to work for you.

Here’s how we’re different:

Clear, upfront pricing
No hidden fees. No surprise bills. Just straightforward coverage that’s easy to understand.

Designed for teams like yours
We specialize in health benefits for franchisees, independent business owners, and growing companies.

Real people, real support
You won’t be stuck in a phone queue. We’re here when you need us—no bots, no headaches.

Quality coverage that fits your budget
You shouldn’t have to choose between affordability and real protection. With Reef Health, you get both.

Built for Business. Backed by People Who Care.

You didn’t start your business to become a health insurance expert. That’s our job. We help take the stress off your plate so you can focus on what matters most—your team and your growth. If you’re ready for health benefits that make sense, let’s talk. Our team is here to walk you through your options and answer any questions—no pressure, just real advice.