Overpaying for health coverage that still leaves gaps?
BizBenefits360 gets you real group-rate health insurance, up to 57% below individual market pricing, whether you're covering yourself or building a plan for your team.
Watch the overview
Coverage backed by major national carriers, including Blue Cross Blue Shield, Aetna, Humana, Cigna, United Healthcare, and VSP.
How does group-rate coverage end up cheaper than what you're paying now?
Individual health plans price you alone, so you absorb the full risk on your own. BizBenefits360 connects you to an established group network already negotiated at scale, giving you access to the same lower group pricing large companies get, without needing hundreds of employees to qualify.
See Typical RatesUnderwriting that doesn't work against you
Most people assume they'll get penalized for their health history. Here's what actually happens with BizBenefits360.
No height/weight restrictions
Underwriting looks at your health history, not a chart.
No tobacco rate-up
Smokers and non-smokers pay the same rate.
Type 2 diabetes accepted
A Type 2 diagnosis alone won't disqualify you.
Pre-existing conditions covered
Conditions untreated in the last 5 years are covered from day one.
Available in 49 states. Not currently offered in Washington.
Which of these describes you?
You're covering this entirely on your own.
If you're self-employed, a 1099 contractor, or buying individual coverage, you want real insurance without the individual-market markup, not a bare-bones plan dressed up to look like one.
You want to offer this to your team.
If you run payroll and have W-2 employees, you can offer this as a genuine benefit, with the option to contribute to the cost or let employees cover it themselves.
“I went from paying full price with a high deductible to real group-rate coverage, saving $650 a month. That's $7,800 a year back in my pocket.”
— Kara, BizBenefits360 memberFAQ
Better Health Coverage. Group-Rate Pricing. More Options.
Whether you're self-employed, a 1099 independent contractor, a business owner, or looking for coverage for your employees, BizBenefits360 gives you access to health insurance options that may offer significant savings compared with traditional individual-market coverage.
Here are answers to some of the most common questions.
About BizBenefits360
What is BizBenefits360?
BizBenefits360 helps individuals and businesses access group-rate health insurance options that may not typically be available when shopping for coverage on your own.
Our goal is simple: help you find quality health coverage while potentially lowering what you're paying today.
Who is BizBenefits360 for?
BizBenefits360 may be a great option for:
- Self-employed individuals
- 1099 independent contractors
- Gig workers
- Business owners
- Individuals and families purchasing their own health insurance
- Small businesses
- Employers with W-2 employees
You don't need to be a large corporation to explore your options.
How much could I potentially save?
Depending on your situation and the coverage selected, rates may be up to 57% lower than individual-market pricing.
Your actual savings will depend on factors such as your location, eligibility, coverage needs, and plan selected.
The best way to know is to request a personalized review and compare your available options.
How can BizBenefits360 offer group-rate pricing?
BizBenefits360 provides access to an established group network with rates negotiated at scale.
This creates an opportunity for eligible individuals and businesses to access group-rate health insurance instead of relying solely on traditional individual-market options.
Do I need to own a large company?
No. BizBenefits360 isn't just for large employers.
Self-employed individuals, independent contractors, gig workers, small-business owners, and companies with W-2 employees may all have options available through BizBenefits360.
Coverage and eligibility
Is this real health insurance?
Yes. BizBenefits360 provides access to health insurance coverage, not simply a medical discount card or healthcare membership.
Available coverage, deductibles, networks, benefits, and other plan details depend on the specific plan selected.
What insurance carriers may be available?
Depending on your location and plan eligibility, options may include recognized national carriers such as Blue Cross Blue Shield, Aetna, Humana, Cigna, UnitedHealthcare, and VSP.
Carrier and plan availability varies by location and individual circumstances.
Are there height and weight restrictions?
BizBenefits360 offers options with no height-and-weight restrictions.
Eligibility is not determined simply by whether you fall within a traditional height-and-weight chart.
What if I use tobacco?
BizBenefits360 offers options with no tobacco rate-up, which means tobacco use does not automatically result in a traditional tobacco premium increase.
Your specific rate and eligibility will be determined during the application process.
What if I have Type 2 diabetes?
Having Type 2 diabetes does not automatically mean you cannot qualify.
Every person's health history is different, so the best approach is to speak with one of our specialists and allow us to review the options that may be available to you.
What about pre-existing conditions?
Certain pre-existing conditions may be eligible for coverage, including conditions that have gone untreated during the previous five years.
Because every person's medical history is unique, coverage and eligibility should be reviewed individually. Don't assume you won't qualify. Let us review your situation first.
Is BizBenefits360 available in every state?
BizBenefits360 currently offers options in 49 states, with Washington state excluded.
Specific plans, networks, and carriers can vary by state.
Getting started
Can a business offer this to its employees?
Yes. Employers with W-2 employees can explore BizBenefits360 as a health coverage option for their workforce.
Depending on the available program, an employer may choose to contribute toward the cost or allow employees to pay for their coverage.
I'm self-employed or a 1099 contractor. Can I get coverage just for myself?
Yes. This is one of the reasons BizBenefits360 is different.
You may be able to explore group-rate health insurance options even if you don't have a traditional large employer providing your health coverage.
If you're a contractor, Realtor, consultant, salesperson, truck driver, gig worker, entrepreneur, or other self-employed professional, it's worth seeing what options are available.
How do I find out what I qualify for and what it will cost?
Request a personalized review. One of our specialists will learn about your situation, review available options, and help you understand:
- Available plans
- Monthly cost
- Potential savings
- Carrier and network options
- Deductibles and coverage
- Eligibility
There is no reason to guess whether BizBenefits360 can help you.
See What Options Are Available to You
If you're paying too much for health insurance, or simply want to know whether a better option exists, let's find out.
BizBenefits360:
Group-Rate Health Insurance for Today's Independent Workforce & Businesses. Plan availability, eligibility, rates, savings, carriers, networks, and coverage vary. Savings of up to 57% are not guaranteed and depend on the applicant and plan selected.
Ready to see your real rate?
Book a short call and we'll walk you through exact pricing for your situation, no obligation, no pressure.
Schedule a Call