Why Traditional Insurance Isn’t Working for Small Businesses
Hidden costs, red tape, and low ROI—here’s why small business owners are ditching insurance for something better.
If you’re a small business owner, you’ve probably faced this dilemma:
“I want to offer my team benefits… but health insurance is ridiculously expensive. And even when I do offer it, they still get hit with surprise bills and can’t find a doctor who takes it.”
You’re not alone. The traditional insurance system wasn’t built for you—it was built for large corporations with in-house HR departments, armies of brokers, and millions in benefits budgets. For everyone else, it’s a maze of complexity, expense, and frustration.
Here’s what’s broken:
1. The Deductible Shell Game
Most insurance plans come with deductibles so high, your employees avoid using them altogether. Even after paying hundreds each month, they still fork over $3,000–$5,000 before real coverage kicks in. That’s not protection. That’s a trap.
2. Surprise Billing Is the Norm
Despite regulations, many employees still end up with unexpected bills for labs, specialists, or even ER visits. They feel misled. You feel like you let them down.
3. The Middlemen Are Taking the Money
In 2024 alone, insurance industry middlemen (PBMs, brokers, billing companies) pocketed over $600 billion. None of that went toward better care. It went to overhead, complexity, and profit.
4. You’re Paying for Features You Don’t Use
Traditional insurance often bundles in services your team doesn’t need, can’t understand, or simply won’t access. Why pay for a bloated network when your team just needs fast, simple, affordable care?
So What’s the Alternative?
Enter Reef Health—a membership-based health benefits platform that strips out the noise and delivers exactly what your team needs, without the fluff.
For just $29/month, your employees get:
• $0 copay virtual and in-office medical visits
• Full access to mental health counseling
• Lab work, prescriptions, and annual exams
• Gym memberships and fitness classes
• Financial and lifestyle savings at 400+ retailers
• A live support team, not a robot
And best of all? No deductibles. No surprise bills. No network confusion.
It’s Not Insurance. It’s Assurance.
Reef Health isn’t trying to play the insurance game better. It’s rewriting the rules completely. By cutting out the middlemen and focusing on what matters—care, simplicity, and trust—they’re helping small businesses offer better benefits for a fraction of the cost.
So if you’re tired of throwing money into a system that doesn’t serve you, maybe it’s time to join the thousands of businesses who are doing health differently.
Reef Health isn’t the future of benefits. It’s what they should have been all along.