Cut Costs, Not Coverage.
If you’re healthy and overspending on insurance coverage you rarely use, Start Health is the solution.
Benefits At-A-Glance
Explore the unique benefits that make Start Health different from other health insurance plans.
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.
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: See Any Provider
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.”
Questions? We Can Help.
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.
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.
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.
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.
