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.