Major Medical Plans

High-quality major
medical insurance
plans to fit any budget

These insurance plans offer copays for common services and opportunities for $0 care.

Copay

Enjoy copays for common services like doctor visits and prescriptions, plus a range of deductible options to control your out-of-pocket costs. Perfect for families looking to make the most out of their healthcare.

View Copay Plans

HSA

Save money on income taxes and minimize healthcare spending with a Health Savings Account.

View HSA Plan

MVP

This plan includes copays for common services like doctor visits and prescriptions, and meets ACA-defined minimum value standards.

View MVP Plan

Not sure which plan is right for you? Our team can help you decide!

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About Major Medical Plans

These major medical plans also offer better benefits, such as:

24/7 telemedicine with a $0 copay
Mental health coverage through Amaze
$0 generic prescriptions
Patient prescription programs to help with speciality medications

Take advantage of supplemental insurance plans.

Stay up to date with annual appointments, such as teeth cleanings and vision exams, or secure yourself financially in the event of an unexpected illness or accident.

Young Living offers supplemental insurance plans, including dental, vision, critical illness, and much more.

Frequently Asked Questions

When can I enroll in a Major Medical plan?

You can enroll during open enrollment from November 1 through December 31, or if you have a qualifying life event during the year. If you enroll outside of open enrollment, you will be subject to a 60-day waiting period.

When does my plan start?

For Major Medical plans, open enrollment is November 1 through December 31. Your plan effective date during open enrollment is January 1. For those that enroll outside of open enrollment, your effective date is on the first of the month following a full 60-day waiting period.

How long does my plan last?

You will keep your healthcare plan for 1 year after your effective date. If there is a qualifying life event, you may be eligible to update or cancel your plan.

Can I switch my plan?

You can switch plans at the 1-year renewal date. To switch before then, you must have a qualifying life event.

How do I cancel my plan?

To cancel your plan, contact members@clearwaterhealth.com. In order to cancel your plan, you must have a qualifying life event. You have 31 days from the date of your qualifying life event to notify us of the qualifying life event in order to cancel your plan. Your policy will terminate at the end of the month from the date we receive your qualifying life event documentation.

Are there age limitations to the memberships? Can I enroll my children?

At the age of 18 a child is eligible to enroll in their own individual plan. However, a child can stay on a parents plan until the age of 26. At the age of 26, a child must enroll in their own plan. If someone is 65 or older they are eligible, however, Medicare will likely be a cheaper option with a broader network.

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Love from Our Community

Check out what our members have to say.

I am so excited for the new Young Living Holistic + ClearShare plan. I am currently using ClearShare and it has saved my family a ton of money.

I love knowing that we are protected in case of anything catastrophic. But, I am even more excited for the new Young Living plan to be able to get a rebate on Young Living products, and pay a minimal set cost for my chiropractor, functional doctors, thermography, IV drips and acupuncturist!!!

Finally a health plan that fits our needs!!