Health Coverage Without a Countdown
For most people, health coverage comes with rigid enrollment windows, confusing rules, rising costs, and fine print that only makes sense after something goes wrong. An increasing number of Americans are turning to innovative health coverage alternatives.
One alternative, Start Health, was built to do things differently—because healthcare should work for you, not the other way around.
No Open Enrollment
Life doesn’t always run on a calendar, and your health coverage shouldn’t either.
With Start Health, there’s no designated open enrollment period. You don’t have to wait months for a specific window to open or rush to make a decision before a deadline hits. Members can sign up any time of year, making it easier to get coverage when life changes.
Coverage should meet you where you are. Start Health does exactly that.
Designed for Transparency, Not Confusion
Traditional insurance often feels like a maze: premiums, deductibles, networks, referrals, and surprise bills that show up weeks later. Even when you’re insured, it can be unclear what’s actually covered and what you’ll owe.
Start Health takes a refreshingly straightforward approach. Members pay providers directly for care and then receive reimbursement based on their plan. This removes the mystery, the inflated pricing, and the “wait-and-see” billing model. You know what you’re paying for, and you stay in control of your care.
Not a Health Share. Something Better.
Health share plans may promise flexibility, but many come with restrictions that can limit access when it matters most—coverage guidelines, sharing approvals, or delays tied to group participation.
Start Health isn’t a health share, and it doesn’t rely on other members’ contributions to determine whether your care is covered. Instead, it offers a modern, member-first model that prioritizes clarity, consistency, and reliability without sacrificing freedom of choice.
Start has a limitless network, meaning you can choose any providers. You choose when to get care. And you’re not left wondering when your bill will arrive and how much you’ll owe.
Built for a Changing Healthcare Landscape
As healthcare costs continue to rise and familiar systems become less predictable, more people are exploring alternatives that offer stability, flexibility, and value without locking them into outdated rules.
Start Health was designed for this moment. It offers an option for individuals and families who want coverage that adapts and isn’t vulnerable to shifting external factors.
Health Coverage That Fits Real Life
At its core, Start Health is about freedom:
- Freedom to enroll when you need coverage
- Freedom to choose your providers
- Freedom from rigid systems that no longer serve you
Start’s incentives are aligned with yours. When we win, you win. If you’re looking for a smarter, more flexible way to manage your healthcare—one that works year-round and puts you back in control—Start Health might be exactly what you’ve been waiting for.
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.