Google reviews rating of 4.6 out of more than 3500 with five yellow stars.

Franchise the evolution of small business health benefits.

Hand holding a smartphone displaying a benefits app interface, featuring categories like Physical, Mental, Medical, Financial, and Social with corresponding icons.

Build a profitable franchise by offering SMBs up to 40% savings on the leading health benefits, saving them endless time + money on turnover.

Benefits trusted by top brands and over 100,000 members nation-wide.

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We save American companies a fortune on healthcare + benefits.

Employees demand healthcare forcing employers to choose between spending a fortune on coverage or risk high turnover costs by not offering it.

Reef empower employers to get affordable care and benefits for as low as $29/mo helping the businesses and the employees.

What are Reef Benefits? 5 pillars of better health.

Medical

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Mental

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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.

    • 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

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Financial

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Unlock access to thousands of top tier gym memberships, online classes, and wellness discounts at +400 national retailers, totaling over $5000 in savings.

    • Gym Membership access at +20k facilities, nationwide.

    • + 4k online virtual fitness classes.

    • Up to 40% off at +400 national wellness retailers

Social

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Enjoy our members only networking for small business owners + franchisees who are part of the club.

    • 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.

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Why franchise? No brick + mortar overhead. No royalties. No ad fund fees. Just low cost entry and a prebuilt lead pipeline.

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Built by the same team that launched

Sound too good to be true? We’ve heard that one before.

You’re probably wondering what businesses have to give up to get lower rates? The answer… nothing. We are able to beat the costs of big healthcare benefit providers like BlueCross BlueShield by 40% on average with the same coverage if not better.

Here’s how we do it

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We remove the middle man.

Very few of the healthcare benefit companies out there are simply middle men that resell other people’s benefits / policies / networks. To run their business, they have to drastically mark up the costs they receive from their partners. But we don’t. We are the actual end-provider of these services so we don’t have to mark up our plans…which means we can pass the savings back to you.

We evolved the dinosaur model of insurance + healthcare.

You’ve dealt with insurance providers…efficiency is one of the last words you’d use to describe them. But we’re different. We use real-time technology to help us help our members get the healthcare they need from people in their network as quickly as possible to reduce time and money expense.

Prefer to just give us a call? Drop us a line and we’re happy to chat (833)-353-7333

Proven + loved by over 30,000 covered members.

  • “Our employee retention is higher than it's ever been thanks to these quality healthcare benefits."

    Cole Johnson
    Paul Johnson Drywall

  • "I'm able to get so many things handled over the phone instead of taking extra time out of the office. My employees love it and it's helped me recruit and retain great people."

    Melissa DiGianfilippo
    Serendipit Consulting

  • "Easy to schedule telemedicine appointments, and chat with staff. Highly reccomend to any any small business owners and entrepreneurs."

    Hilary Johnson
    Hatch Tribe

  • "This is an instant advantage. We lowered expenses and gave employees peace of mind."

    Verne Harnish
    Scaling Up

  • We switched from Blue Cross and have been happy with our decision. It's a different approach to healthcare, and I like it. No regrets with our decision to join.

    Jason Hales

  • We've saved thousands of dollars and loads of time. This is a huge value and incredible convenience. Our employees love it.

    Nathan Shields
    Rise Diagnostics

Signup businesses. Earn on every employee

Starter

Earn up to $15/mo per member

Benefits Include

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

$0 Copay and Deductible on generic medications.

Urgent Care

Foundation

Earn up to $28/mo per member

Benefits Include

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

$0 Copay and Deductible on generic medications.

Urgent Care

Premium

Earn up to $28/mo per member

Benefits Include

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

$0 Copay and Deductible on generic medications.

Urgent Care

Premium Plus

Earn up to $28/mo per member

Benefits Include

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

$0 Copay and Deductible on generic medications.

Urgent Care

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 Frequently Asked

  • 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.

  • 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.

  • Yes, you can work with out Reef benefits team to create the perfect blend of benefits for you and your business.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.