Healthy and overpaying for insurance?
Helping individuals and families take healthcare spending into their own hands and save up to 83% on monthly premiums.
Healthy and overpaying for insurance?
Helping individuals and families take healthcare spending into their own hands and save up to 83% on monthly premiums.
Extensive Coverage
Covered like traditional insurance, for less.
Designed to be HSA-Eligible*
Plans designed to give you access to triple-tax advantages.
Limitless Network
See any doctor or go to any healthcare facility.
Cancel Anytime
Sign up and cancel anytime, anywhere.
The Solution Starts Here
Spending too much on health insurance premiums for coverage you rarely use? Designed for healthy individuals and families, Start Health can significantly lower your insurance costs, allowing you more freedom without sacrificing coverage.
83%
In Premium Savings
4.9/5
Satisfaction Rating
40%
Average Procedure Savings
More Places to Start
We’ve been hugely successful in Utah, as more and more people want a simpler, more transparent way to do healthcare—and we’re ready to bring it to more states. As we continue to grow, we want to hear from you. Where should Start Health go next?
How We Compare
Discover just how well we stack up against other health plans.
*Consult your tax advisor.
“Why hasn’t all insurance been like this?”
I am really loving the reimbursement, cash-pay approach to Start Health. Skeptical at first, but calling around for my MRI and asking for the cash price, I was amazed at how much pricing differs, especially by facility. And, I love being ‘in the know’ about the cost of a procedure before I go. Seriously, why isn’t all insurance like this?
Established in 2022
Start Health is making healthcare coverage transparent, engaging, and truly affordable. We’re not just an alternative to traditional health insurance—we’re the future of healthcare.
Join Our Mission
At Start Health, our mission is to give healthy individuals and families the tools to take control of their healthcare. We do this with a simple, transparent approach to benefits, a platform to compare and shop for the best care at the best price, and a plan designed to be HSA-eligible.* By combining these elements, we empower our members to make smarter choices, save money, and transform the way healthcare works.
How does Start Health work?
Start Health is a reimbursement plan—not traditional insurance. We reimburse fixed amounts based on care received. This approach gives you the freedom to choose any provider, and shop for care that best fits your needs and budget by comparing providers’ cash prices with our reimbursement rates.
What makes Start Health unique is that it is designed to be HSA-eligible*, allowing you to pay for care tax-free through your Start HSA Card. This combination of flexibility, transparency, and savings creates an extraordinary benefit for our members.
What is a reimbursement plan?
A reimbursement plan, or fixed indemnity plan, is a type of health plan where you pay for care upfront—often at discounted cash rates—and then your health plan pays you back at set rates based on care received (regardless of your provider’s charges).
With Start Health, you pay for care on the date of service with your Start HSA Card or a payment method of choice, then submit your itemized bill for reimbursement.
Preventive care is reimbursed right away, and once your deductible is met, Start Health reimburses you directly. This approach puts you in control of your care, helping you choose where to go, pay less, and save more.
What makes Start Health unique is that it is designed to be HSA-eligible*, allowing you to pay for care tax-free through your Start HSA Card.
Who is the ideal candidate for Start Health?
Start Health is best suited for healthy individuals who want to lower their healthcare costs without sacrificing coverage. It’s particularly beneficial for those who do not qualify for significant subsidies through the marketplace and are looking for an affordable plan that provides comprehensive coverage, flexibility, and the ability to take advantage of tax-advantaged HSA savings.
Start Health is not the best fit for individuals who are managing ongoing health conditions, as we keep costs low by offering this plan to those in good overall health.
Is my plan HSA-eligible?
Yes, your Start Health plan is designed to be HSA-eligible*. It meets IRS and Department of Insurance (DOI) requirements for High Deductible Health Plans (HDHPs), including covering preventive care pre-deductible. While our plan doesn’t follow the traditional out-of-pocket maximum structure, once your deductible is reached, Start reimburses 100% of eligible healthcare costs at our set rates. This design offers strong financial protection and meets the criteria for HSA eligibility, allowing you to contribute to and use a Health Savings Account.
How do I get reimbursed?
To get reimbursed for an eligible medical expense under your Start Health plan, you will need to create your Start Member Account and get an itemized bill from your provider. Once you have done that, you will create an expense within your Member Portal and upload a picture of your itemized bill within 90 days of the date of service.
Note: Your itemized bill will need to include a certain level of detail about your visit which includes:
- Patient’s full name
- Provider’s name and address
- Date(s) of service
- Charge amount(s)
- CPT / Procedure code(s) (Also known as Service Code(s))
- Diagnoses code(s)
- Prescription drug(s) name, form, strength and dosage or NDC code
Once approved, your reimbursement will go toward your deductible if it’s not been met. After that, reimbursements go to you. Preventive care is reimbursed to you pre-deductible.
Start Anytime, Anywhere.
See how much you can save on your monthly premiums in a minute or less.
Get Added Peace of Mind with Start Shield
Your Start Health base policy already provides comprehensive coverage on a fixed reimbursement schedule-typically 110-145% of Medicare rates. Once your deductible is met, Start Health covers 100% of eligible medical expenses up to our fixed reimbursement schedule. If your provider charges more than the reimbursement rate, you're responsible for the difference.
Start Shield helps when your provider charges more than your base policy covers, after the base policy's deductible has been met. It pays 80% of the extra costs above your base policy's reimbursement, until you reach your Max Out-of-Pocket:
- $8,000 for individuals
- $16,000 for families
Once you hit that limit, Start Shield covers 100% of any remaining costs beyond what your base policy pays. Start Shield only applies to in-network procedures and only after the base policy's deductible has been met. All emergency care is treated as in-network.
