Wellward is built around a high-value insurance plan that pays you cash for big, expensive events — accident, heart attack, stroke, coma, and cancer — paired with a team that finds you affordable prices for all your care needs. For a lot of healthy people, that combination does the job for a fraction of the cost. It is NOT a comprehensive ACA major-medical plan, and that's the point: you skip the bloated premium while you're healthy. If your situation changes and you need full coverage, we help you enroll in a traditional ACA plan at the next Open Enrollment, which starts November 1.

Fixed cash benefits paid directly to you if a covered event happens: up to $20,000 for an accident, $20,000 each for heart attack, stroke, or coma, and $30,000 for a cancer diagnosis — with no deductible. You also get your Wellward care team, who shop around for affordable prices for whatever care you need along the way.

Traditional plans generate huge administrative costs (over $100/month) due to complicated benefit structures and rules, and forcing many activities to run through them. Wellward saves all of that by keeping the plan simple and focused on what matters most. Traditional plans also overpay for many care services because they typically hide provider pricing from members, which limits the incentives for providers to offer competitive prices or for members to select providers with competitive pricing. This lack of price comparison increases prices in traditional plans by ~40-50%. Lastly, traditional plans force all participants to pay for/subsidize all covered services, even if there are some they know they won't have. Some of these services, like pregnancy-related services, can be extremely expensive and are some of the largest drivers of traditional plan costs.

Wellward isolates what you really need insurance for, and makes it efficient: low-cost insurance for major events. And for routine care, we find you affordable cash-pay prices — often less than what you'd pay toward a deductible anyway. Overall it is a much more efficient system, which enables us to offer a high-value $89 a month product.

You receive your cash benefit — for example, $30,000 for a cancer diagnosis — paid directly to you, to use however you need. Your Wellward team helps you find high-quality, affordable treatment. And if ongoing care means you need comprehensive coverage, we help you enroll in a traditional ACA plan at the next Open Enrollment, which starts November 1.

No deductible. When a covered event happens, your benefit is paid to you as cash — you're not grinding through thousands of dollars of out-of-pocket costs before anything happens or facing uncertainty about whether you or your plan will pay for a certain visit or procedure, which leads to surprise bills for hundreds or thousands of dollars.

Tell your Wellward team what you need — a dental cleaning, urgent care, an MRI, a specialist, a surgical procedure, a wellness or longevity service, or whatever else you need — and we shop quality providers near you for the best cash-pay price, then bring you the options. You decide where to go. No network restrictions.

Yes. Because your benefits are paid as cash and our team helps you shop providers directly, you aren't locked into a narrow network. You choose where you get care.

No medical exam — you can apply in minutes. To apply, you simply answer a few questions in our online signup flow.

Yes — you can cancel anytime.

Your plan is underwritten by Everest, a publicly traded member of the S&P 500, rated A+ by AM Best and S&P Global — among the most experienced and well-capitalized underwriters in the world. The coverage behind your plan is as solid and professional as it gets.