Hate Health insurance? Then you’ll love this.
Affordable health benefits, built for small business. $0 deductibles. One easy platform.
Benefits trusted by top brands and over 100,000 members nation-wide.
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“We switched from Blue Cross and have been happy with our decision. It’s a different approach to healthcare, and we have no regrets with our decision to join.”
- Jason H
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“Our employee retention is higher than it's ever been thanks to these quality healthcare benefits from Reef Health."
- Paul Johnson, Johnson Drywall
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“We've saved thousands of dollars and loads of time. This is a huge value and incredible convenience. Our employees honestly love it.”
- Nathan S, Rise Diagnostics
Health Insurance profited a whopping $603B in 2024 alone.
Health insurance costs your business a fortune because middlemen take a $603B cut.
It’s a dinosaur model that profited $603B last year alone. You’re left with the bill, and that’s IF you’re even covered. Healthcare shouldn’t feel like financial roulette every time you go see the doctor.
You deserve better. So do your employees.
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.
The bottom line? Save money on healthcare + offer top benefits for better retention.
From healthcare coverage you can trust to gym memberships, mental health, and more, Reef health benefits is about to save your business a lot of money.
We offer 5 pillars of health and wellness benefits.
Medical
Mental
Powered by Redirect Health, our medical and mental benefits are loved by over 30,000 members nationwide for both small businesses and individual members, offering a blend of in person and 24/7/365 virtual care.
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Pediatric Care
24/7/365 Telehealth Primary Care
24/7 Care Medical Concierge
Annual Physicals
Lab Work + X-Rays
No fee generic medications
Mental Health Counseling
In-office Primary and Urgent Care
Physical
Financial
Unlock access to thousands of top tier gym memberships, online classes, and wellness discounts at +400 national retailers, totaling over $5000 in savings.
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Gym Membership access at +20k facilities, nationwide.
+ 4k online virtual fitness classes.
Up to 40% off at +400 national wellness retailers
Social
Enjoy our members only networking for small business owners + franchisees who are part of the club.
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Members only networking for small business owners + franchisees who are part of the club. Expand your network with the top owners in the nation. Included in our $29/mo plan.
Offer benefits from the top brands, nationwide.
how it works
Book Your Call
Book your call with our Benefits team to see what your options are and how to get started. We’ll see how much we can save you today.
Build Your Plan
We are business owners ourselves, so we know you’ll need a plan that works for you. We’ll start to personalize the best plan for you and get you ready to start.
Onboard + Save
Once you’re all signed up, we’ll get you onboarded and set up in your account. From there, you’ll be able to access all your perks and savings for you and your employees.
Reef Benefit Plans
Starter
$29/mo
Health + Fitness Classes at 20k facilities + 4k virtual classes.
Health and Wellness Discounts, up to 40% off at 400 national retailers.
Members Only, Owner Networking
24/7/365 Telehealth Primary Care
24/7 Medical Concierge
No fee generic medications
$0 Deductible and Copays
Urgent Care
Hospital Coverage
Foundation
$99/mo
Health + Fitness Classes at 20k facilities + 4k virtual classes.
Health and Wellness Discounts, up to 40% off at 400 national retailers.
Members Only, Owner Networking
24/7/365 Telehealth Primary Care
24/7 Medical Concierge
No fee generic medications
$0 Deductible and Copays
Urgent Care
Hospital Coverage
Premium
$199/mo
Health + Fitness Classes at 20k facilities + 4k virtual classes.
Health and Wellness Discounts, up to 40% off at 400 national retailers.
Members Only, Owner Networking
24/7/365 Telehealth Primary Care
24/7 Medical Concierge
No fee generic medications
$0 Deductible and Copays
Urgent Care
Hospital Coverage
Premium +
$479/mo
Health + Fitness Classes at 20k facilities + 4k virtual classes.
Health and Wellness Discounts, up to 40% off at 400 national retailers.
Members Only, Owner Networking
24/7/365 Telehealth Primary Care
24/7 Medical Concierge
No fee generic medications
$0 Deductible and Copays
Urgent Care
Hospital Coverage
Prefer to just give us a call? Drop us a line and we’re happy to chat (833)-353-7333
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Frequently Asked
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You’ll love the simplicity of the enrollment process. There is no laborious underwriting. There are no regional or state-specific pricing or hoops to jump through. One plan pricing covers all 50 states.
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Glad you asked! With Reef Healthcare plans you can expect savings of 20% the first year and an additional 20% the second year with expectations of an annual cap of 4.5% making healthcare a more manageable and predictable line item in your budget.
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Yes, you can work with out Reef benefits team to create the perfect blend of benefits for you and your business.
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No problem. We offer you the opportunity to have your own Corporate Wellness Program so your employees can enjoy the health benefits of day passes or monthly memberships at fitness facilities across the US. There are company fitness challenges or nationwide challenges that employees can participate in. It’s fun and helps build your company culture. But wait there’s more. Employees receive discounts on groceries, car insurance, tires, clothing, computers, dining, and other household items. We even offer a Reef PetRx Discount Savings Card. It’s about retaining, recruiting, and building a lasting culture for your team.
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No. We work directly with both franchised, and non-franchised businesses, trade associations, multi-unit platform companies, non-profits, and worker comp providers as well.
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Absolutely. Reef Health’s comprehensive wellness programs, including fitness memberships, mental health support, exclusive employee discounts, and medical plans are designed to enhance employee satisfaction and engagement, which can lead to reduced turnover rates.
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As a franchisee, you’ll have access to marketing support, sales training, a dedicated CRM system, and ongoing operational assistance. We are committed to helping our franchisees grow their businesses and succeed.
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Reef Health plans offer affordable, flexible alternatives to traditional health insurance. While we focus on preventive and wellness care, we also provide robust options for medical care, mental health services, and hospital coverage, with more predictable and manageable costs.
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Yes, Reef Health offers options that include coverage for an employee’s family members. Employees can select plans that provide benefits for spouses, children, and dependents.
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Yes! Reef Health plans comply with ACA regulations in multiple ways:
📌 Part A (Minimum Essential Coverage)
The Premium ($199) and Premium Plus ($479) plans meet MEC requirements.
📌 Part B (Affordability Standard)
In 2024, ACA affordability is based on 8.39% of an employee’s household income.
In 2025, it’s projected to rise to 9.02%.
Reef Health’s employer-sponsored plans make ACA compliance simple for Applicable Large Employers (ALEs) with 50+ employees.
For ALEs needing affordable and compliant healthcare solutions, Reef Health provides a cost-effective alternative that meets minimum contribution requirements.