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Age & Health on Your Side?

We'll help you select a plan for anything unexpected that may come.

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Protect what you need, Don't pay for the rest.

If you haven't needed to go to the doctor, why should you pay for a plan that's priced assuming you regularly will?

Plan options available January through December

Coming to the understanding that you should have coverage for unexpected or catastrophic medical needs doesn't always occur during normal open enrollment.

A price that matches your need

Don't pay for the bells and whistles if you don't plan on using them. Cover what YOU need.

Say Goodbye to the marketplace

If you're young, healthy and don't qualify for tax credits to pay most or all of your health insurance premiums, the marketplace isn't necessarily the place for you.

Savings that really mean something.

Save on average $9,500 annually. We can't guarantee that will be you, but if you're on this page because you fit the description, chances aren't bad.

See if You'll Save

Access PPO & Open Networks

PPO Network = Lots of doctors.

Savings shouldn't be limited to premium. Find plans that reduce out-of-pocket expense.

What's Coverage Cost?

Let's be very clear. This is the lowest cost for each segment. Though, if you're in the young and healthy bucket, this definitely could be you...

Plans starting at
$168/mo
Get Started Now

Real current pricing, not a teaser. Your exact number depends on the plan we build together.

How Our Process Works

Whether you're changing plans or starting fresh, these are the steps we'll take to make sure you get what you need.

Nov, Mar, Jul, or Aug. Meet our Team to see Options Year-round.

Take control of your health.Don't break the budget doing it.

Associations & Partners

Trusted by Agencies and Associations dedicated to 1099 and Business Owner success.

Independent Electrical Contractors

Independent Electrical Contractors

IEC is a national trade association with 60k+ member companies, supporting contractors through education, apprenticeships, and business resources, while benefiting from tailored health and financial solutions that strengthen workforce stability and growth.

New Mexico Home Builders Association

New Mexico Home Builders Association

New Mexico HBA is a statewide group with ~1,500 members, supporting builders through advocacy, education, and resources, while benefiting from tailored health and financial solutions that strengthen workforce stability and growth.

United Real Estate Group

United Real Estate Group

United RE Group is a national real estate network with 25,000 agents nationwide, equipping them with technology, training, and marketing support, while benefiting from tailored health and financial solutions that support agent stability and long-term growth.

Home Builders and Remodelers Association of Maine

Home Builders and Remodelers Association of Maine

HB&R Association of Maine is a statewide association supporting home builders and remodelers with advocacy, education, and industry resources, while benefiting from tailored health and financial solutions that strengthen workforce stability and business growth.

Keller Williams Arizona

Keller Williams Arizona

KW Arizona is a regional network within Keller Williams Realty, supporting agents with training, technology, and a collaborative model to serve buyers and sellers, while benefiting from tailored health and financial solutions that support agent stability and long-term growth.

Bettr Health Solutions

Bettr Health Solutions

Bettr is a referral platform for over 12k financial professionals, connecting clients, businesses and 1099 contractors, with health and coverage solutions, enhancing client value while supporting stability and long-term growth.

Home Builders & Remodelers Association of Metro East

Home Builders & Remodelers Association of Metro East

HB&R Association of Metro East is a regional association supporting builders and remodelers with advocacy, education, and industry resources, while benefiting from tailored health and financial solutions that strengthen workforce stability and business growth.

Home Builders Association of the Upper Peninsula

Home Builders Association of the Upper Peninsula

HBA of the Upper Peninsula is a regional association supporting builders and contractors with advocacy, education, and industry resources, while benefiting from tailored health and financial solutions that strengthen workforce stability and business growth.

We answer the phone - crazy, we know

We make it a point to limit the amount of clients per broker to ensure they are actually there for you. Service is our promise.

We're there when you need us

With over 40 years of Benefits experience, Forge will help with the right plan and expert support

+40
Yrs benefits experience

Our mission is simple: Clients who have the right plan, that know how to use it, what it covers and comforted in knowing they have support.

Curtis Johnson
Curtis JohnsonFounder - Forge
We treat your family like it's ours
Questions

Straight answers, before you ask.

The thing that gets your age group isn't the flu. It's the accident: a bad fall, an appendix, a wreck that isn't your fault. Any one of those is tens of thousands of dollars overnight. You don't need a loaded plan. You need something that caps that downside so one bad afternoon doesn't set you back years.

A catastrophic or high-deductible plan is the honest floor: low premium, real protection when something big happens. Short-term plans look cheaper, but read the fine print. They're medically underwritten, they don't have to renew you, they're capped in length, and anything you develop while you're on one becomes a pre-existing condition they can decline next time. We'll show you which floor actually fits how you use care.

It's great for the small stuff: a cold, a rash, a refill, handled from your couch for zero. But telemedicine is a supplement, not coverage. It doesn't set a broken leg or admit you overnight. Treating a telehealth membership as "having insurance" is exactly the gap that turns into a five-figure bill.

It can be either, and we always tell you which one you're looking at. A health share is not insurance. It has no legal obligation to pay a claim, and we never blur that line. For a young, healthy person a health share can fit, but only when you go in knowing exactly what it is and isn't.

There's so much more to it!

See our blog