Flexible resources for you
Managing your own coverage is part of the freedom of running your business. Featured below are three independent resources popular among self-employed individuals. Please note: NextHome has no referral fee or commercial obligation with these platforms. Consider this list as a starting point as you explore and decide what makes the most sense for your unique health and personal needs.
Explore your options
Stride
Stride makes it easy to get comprehensive health, dental, vision, and life insurance—with personalized guidance from licensed, unbiased advisors to help you find the right coverage at the best price. Plus, track expenses and maximize tax deductions, all in one place. Everything you need to manage your independent life.
- Best known for
- Plan recommendations in less than 5 minutes and unbiased advisors available all year to help navigate the complexities of insurance.
- Type
- Health insurance marketplace
MightyWELL
MightyWELL makes healthcare simple and affordable, with low copays for routine doctor visits, 100% covered preventive care to help you stay healthy, and low out-of-pocket costs for more major health events. Not insurance, but a membership bundle combining everyday care benefits with health sharing for major medical needs - completely open network, easy-to-use app, and 100% U.S.-based Member Care.
- Best known for
- Plans starting as low as $315/month. See why MightyWELL plans can cost less than half the price of a traditional health insurance plan - but work better.
- Type
- Healthcare sharing community
Impact Health Sharing
Spend less on healthcare and more on what matters. Healthcare designed for people—not profits. Choose the providers you trust, not because they're on a list. Know what to expect before you receive care. Impact is a modern, nonprofit healthcare-sharing community where thousands of members report average savings of up to 50% per month and enjoy complimentary wellness resources from day one. Enrollment is available year-round.
- Best known for
- Wellness Rewards Program
- 6+ Years of Member Price Stability
- Prices Starting as Low as $73/monthfor Individuals
- As Low as $378/monthfor Families of 3+
- Type
- Healthcare sharing community
Wondering what sets these options apart? Review a quick overview below which breaks down how each model works. For additional details view our FAQs.
Understanding Healthcare Models
Health insurance and health care sharing both help you cover certain medical care, but they work in very different ways. Knowing those differences is what makes a confident decision possible.
Health Insurance
Health Care Sharing (Non-Insurance)
- How it's regulated
- Insurance is regulated under federal and state law. Every plan carries required consumer protections, and insurers are legally accountable for meeting them.
- How it's regulated
- These programs are communities of members, not insurers. They are not insurance and are not regulated as insurance, so insurance requirements do not apply.
- How costs work
- You pay a monthly premium, then a deductible, copays, and coinsurance up to an annual out-of-pocket maximum.
- How costs work
- You pay a monthly contribution, plus a member responsibility amount you cover yourself before any sharing begins.
- How you choose providers
- Most plans use a network. Care inside that network costs less, and care outside it costs more.
- How you choose providers
- You choose your own providers, with no traditional network, often using negotiated or cash-pay rates.
- What's guaranteed
- Covered claims are a contractual obligation of the insurer, and tax credits may lower your premium based on income.
- What's guaranteed
- Sharing is not guaranteed. Each program follows its own membership guidelines and may decline to share a bill.
Common FAQs
No. NextHome has no referral, affiliate, partnership, or compensation arrangement with any of the three organizations. Nothing changes for NextHome based on what you choose, including choosing none of them.
It depends on the model. Marketplace health insurance generally has an annual Open Enrollment window, typically running November 1 through January 15, with exceptions for qualifying life events like marriage, a new baby, or a change in coverage. Health care sharing programs generally accept members year-round. Confirm current dates directly with each organization.
Not necessarily. Availability varies, and some programs don't operate in every state. Each organization lists where it's available, so check before you get too far into an application.
A licensed insurance professional is the right person for coverage questions. NextHome isn't a licensed insurance advisor and can't advise you on your situation. This page is a starting point for your research, not a substitute for professional guidance.
That's a completely reasonable outcome. You can shop HealthCare.gov or your state marketplace directly, work with a licensed independent broker, or compare a spouse's or partner's employer plan. Additionally the National Association of Realtors® provides health coverage options for NAR members. The goal here is a good decision, not a decision made from this page.
Reach out to the organization directly. Each one has its own support team, membership guidelines, and enrollment process, and they’re the only ones who can answer questions about eligibility, costs, or a specific bill. NextHome can’t advocate on your behalf or resolve issues with a third-party program.
No. There are no forms, no sign-ups, and no health or financial information collected here. When you click through, you're on that organization's site under their privacy policy, so it's worth a look before you share anything.