By: Maria Williams
Many individuals and families depend on health plans for routine care and unexpected emergencies. These plans also encompass retaining talent, enhancing productivity, and providing peace of mind for businesses. Unfortunately, many health plan options today are complex, expensive, and fail to meet users’ needs. This instance creates barriers to achieving security for millions of Americans. Clearwater Benefits addresses this by offering customizable, affordable health plans for individuals, families, and small businesses nationwide.
Clearwater offers a robust ecosystem, from designing the plans to distributing and administering them. This end-to-end approach allows the company to manage costs more effectively than traditional insurers, allowing it to tailor health benefits and provide more competitive pricing. With this, Clearwater excels in smaller market spaces, providing better plans and benefits at better prices. This vision—shaped by Jason Sherman, the founder and CEO of Clearwater—caters to those who have traditionally been underserved.
Sherman saw the lack of support for independent contractors, freelancers, and self-employed individuals (often referred to as “1099s”) firsthand. The entrepreneur with experience in real estate development and the mortgage industry recognized how difficult it was for freelancers and small business owners to access affordable coverage.
“The problem wasn’t just high costs,” Sherman supplies. “Options that suit the needs of independent workers were lacking. Major insurance carriers offered plans that were too expensive for many 1099s.”
The forward-thinking professional saw an opportunity to make a difference. Sherman founded Clearwater Benefits to provide an accessible, comprehensive, and affordable health plan solution that ultimately prioritizes people over profits. The company caters to both businesses and individuals.
Small businesses are the backbone of the US economy, yet they’re frequently underserved when it comes to their plans. Costs continue to rise year after year, severely impacting companies’ financial planning. Every penny counts, especially for small businesses. Health plans are usually the second-largest expense after salaries, making it important to control. Clearwater has then created bespoke health plans tailored to fit the company’s size, budget, and workforce needs. Its plans are designed to boost employee satisfaction, simplify the process, and promote overall well-being.
For member organizations that rely on independent workers, Clearwater offers affordable and flexible health plans. Its approach of taking innovative strategies traditionally reserved for larger corporations and adapting them to serve smaller markets has been praised by clients across industries. eXp Realty, one of the fastest-growing real estate brokerages in the world, saw its agents break down in tears when Clearwater introduced more affordable plans.
The Founder and CEO of eXp World Holdings, Glenn Sanford remarks: “When we were able to partner with Clearwater, many of our agents broke down in tears just because they needed this benefit. Clearwater matches the values that we have as an organization—to help these independent contractors thrive. It has done a phenomenal job serving our agents and thinking outside the box. Whatever our agent needs, Clearwater wants to know what that is, and they want to find a solution. Clearwater takes a completely different approach. They customize everything, and it’s always based on the needs.”
“My family saves $24,000 a year through EXP, and the coverage includes vision, dental, and more. We’ve never been taken care of at such a high level.” says Brent Gove, an eXp agent reflecting on his experience.
Clearwater also caters to individuals and families by offering more choices, better benefits, and an opportunity to save up to 60%. Jeff Levitan, the CEO of Bettr, states: “Since I joined Clearwater, our family premium went from $2,500 a month to $1,200 a month. The first thing we noticed was that office visits were cheaper.” Jeff’s wife, Cam Levitan also shares, “when my husband initially came to me and said that we were going to change and look at Clearwater, I was worried that we wouldn’t be able to keep our doctors, who we’ve had for over 10 years. To my surprise, we didn’t have to change any doctors. Clearwater covers a lot more than the traditional insurance. Also, our office visits have been cut in half. So not only are we paying a lot less in our premium, but our out-of-pocket expenses have been less as well. There were a lot of things I was worried about, and I really didn’t need to be.”
Ultimately, as healthcare costs continue to rise, Clearwater offers a lifeline for individuals and small businesses that struggle to manage this experience. It remains committed to controlling the entire ecosystem—from plan design to distribution and administration—to provide customized, affordable solutions.
Disclaimer: The content provided in this article is for informational purposes only and does not constitute professional advice or endorsement. Clearwater Benefits and its services may vary based on individual needs and geographic location. We recommend consulting with a licensed healthcare professional or insurance provider for personalized guidance. The information herein is accurate to the best of our knowledge at the time of publication, but it may be subject to change. Testimonials and case studies mentioned are personal experiences and may not reflect typical results. Always verify with Clearwater or an official representative for the most current offerings and terms.
Published by: Martin De Juan
