Benefits At-a-Glance
Lower Premiums
Save up to 83% on premiums.
No Networks
See any doctor including your current one.
Designed to be HSA Eligible*
Save tax-free for tomorrow’s health expenses.
Simple & Transparent
Pay up front, upload your itemized bill, and you’re done.
Contact Us
PHONE
quickquote@starthealth.com
Quick Quote
Who will be covered…
To qualify, you must be a Utah resident who is 18 or older. You must not use tobacco, have any current pregnancies, or have any previously scheduled surgeries. You might not qualify if you have arthritis, asthma, cardiovascular disease, cancer, chemical dependency, certain autoimmune disorders, diabetes, kidney disease, or certain neurological disorders. Please call 800-894-9454 with any questions.
Start Health is currently only offered in Utah. We will launch in other states soon.
Extensive Coverage
Enjoy the protection of traditional insurance, for less.
Designed to be HSA-Eligible*
HSA-eligible plans for tax-free healthcare savings and growth.
Limitless Network
See any doctor or facility you choose, with Start Health guiding you to the best value.
Free Telemedicine
Get quick, convient care from the comfort of your home—for free!
Cancel Anytime
Sign up or cancel your Start Health membership anytime, from anywhere.
A Start Health Success Story
Michelle B.
“We actually calculated what we paid last year for our premiums compared to now with Start Health, and we pay 70% less a month.”
Save 40% or More on Procedures and Services with Our Cash-Price Model
Start Health members pay cash at the time of service reducing providers’ administrative costs and passing those savings directly to you—helping you get quality care at a better price.
Save 40% or More on Procedures and Services with Our Cash-Price Model
Start Health members pay cash at the time of service reducing providers’ administrative costs and passing those savings directly to you—helping you get quality care at a better price.
How It Works
Start Health isn’t traditional insurance—it’s a reimbursement plan that pays set amounts for the care you receive. You can choose any provider, compare prices, and pick the care that fits your needs and budget. Designed to be HSA-eligible*, our plan allows you to pay for care tax-free with your Start HSA Card for added flexibility, transparency, and savings.
Step One: Know Before You Go
Knowing the cash price ahead of time helps you compare providers and make informed choices. Compare cash prices with Start Health’s reimbursement rates to find the best value. You can often get high-quality care at trusted, lower-cost providers.
Step Two: Find the Best Care at the Best Price
Start Health lets you see any doctor—no networks, no restrictions. While you’re free to choose, some providers are more cash-pay friendly than others. It’s smart to call around and ask for the cash price of the care you need. Need help? We’re happy to point you in the right direction.
Step Three: Pay For Care
When paying for care, let your provider know you’re a self-pay patient on a reimbursement plan. Pay tax-free with your Start HSA Card or use any method you prefer. Be sure to ask for an itemized bill—you’ll need it to request reimbursement from us.
Step Four: Submit an Expense
Create an expense in your Member Portal and upload a photo of your itemized bill within 90 days of the date of service. 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.
“We haven’t been able to find anything else that matches what Start Health has to offer while competing at their price.”
Join Our Mission
At Start Health, our mission is to give you the tools to take control of your 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.
