Smarter, More Affordable Health Coverage for Industry Professionals

Individual professionals in the Insurance, Real Estate, and Financial sectors, as well as small business owners in these industries, may qualify. To confirm eligibility, simply fill out the appropriate contact form on the website.

Pricing varies depending on the plan selected, individual vs. group enrollment, and coverage needs. A full breakdown is available in the plan PDFs provided on the website.

Yes. Businesses can enroll under a group-style structure. Until the official association form is available, employers can email Jeane directly or submit the census form provided on the website.

Our plans do not require a full medical exam, but do ask basic health questions and eligibility confirmations. This will be clearly indicated in each plan’s PDF.

Coverage typically begins on the first of the month after enrollment is completed. Certain plans may offer alternative effective dates based on underwriting or association rules. Applications must be completed by the 12th of the month to be eligible for coverage the following month. Example-Complete by December 12th for January 1st coverage.
Enrollment can be any month of the year.

Yes. Many professionals pair them with supplemental health, life, or disability products.
(If you want, we can add suggestions for complementary products.)

The Affinity Health Program is set up with all premiums and plan summaries available prior to applying. Once you have filled out the information tab you will be emailed a secure link to fill out the health questionnaire and ACH information. Once approved you will be automatically enrolled! Should you not be approved no deduction will occur. It’s that simple!

For groups larger than 1 once the census is completed, we will securely email all applicants for health questionnaires and once completed provide your organization with a personalized quote.

Yes. All form submissions are encrypted and handled privately through a HIPPA compliant portal. We do not share information outside of plan administration or enrollment purposes.

Level-funded health coverage is different from self-funded and fully-funded options mainly in how costs and risks are handled. With level-funded programs, employers pay a set monthly fee that covers expected costs, and any extra money can be saved or used for future expenses. On the other hand, self-funded options mean employers take on the financial risk of providing health benefits, which can cause costs to vary a lot. Fully-funded coverage requires employers to pay premiums to an insurance company, shifting all the risk to them. Level-funded coverage strikes a good balance between managing risk and keeping budgets predictable, making them a popular choice for many businesses.

Choosing level-funded health coverage for your farm and employees has several benefits compared to self-funded and fully-funded options. First, level-funded options help you stick to a budget by allowing you to pay a fixed monthly fee that covers expected costs. This is important for farms, where income and expenses can vary. Plus, any unused funds can roll over to help cover future healthcare costs or reward your employees.

Level-funded programs also help manage risk. They let you avoid the high financial risks of self-funded options while keeping some control over costs. Unlike fully-funded coverage, where all risks go to an insurance company, level-funded options let you keep some risks and expenses in line with what your farm actually spends. This can save you money over time, making level-funded health coverage a smart choice for your farm and your employees.