How it works

Group buying, explained honestly

The idea is simple: more people, more leverage, lower rates. The law is more complicated. Here's exactly what works today, what Congress is debating, and how we help you win either way.

Available right now

What you can buy today

We compare every route that actually exists in 2026 — labeled clearly, so you always know what's sold directly by a licensed agent and what's a referral.

ACA marketplace plans

Individual and family plans with income-based subsidies. Available to everyone, including freelancers and the self-employed, during open enrollment or after qualifying life events.

Level-funded small-group plans

For businesses with at least one W-2 employee. A middle path between fully-insured and self-funded — often meaningfully cheaper for healthy groups, with money back in good claim years.

Established association plans

Some long-standing chambers and trade associations offer member health plans. We surface these where we have partnerships and you qualify.

The legal picture

What Congress is debating

In December 2025, the House passed H.R. 6703, the “Lower Health Care Premiums for All Americans Act” (216–211). It would let small businesses, freelancers, and the self-employed band together — even across industries and state lines — to buy group-rate coverage through expanded Association Health Plans.

The bill has been stalled in the Senate since December 18, 2025. A companion bill (S. 1847) hasn't moved since May 2025. Until one passes, cross-industry group buying for solo freelancers is not yet legal — and California adds its own restrictions on new association plans regardless of what Washington does.

We track every development on our legislation tracker and notify group members when anything changes.

Our approach

Cover you now, organize you for later

Phase 1 — Today

Licensed marketplace

Compare and enroll in the best options that exist right now, with licensed help and transparent, consent-first contact practices.

Phase 2 — Building

Group formation

Organize by profession, gig platform, or city. Group size becomes leverage for level-funded deals and association partnerships.

Phase 3 — When scale & law allow

True group plans

Partnering with established bona fide associations to sponsor real group plans for qualifying groups — fully registered with federal and state regulators.

Group formation on FindGroupHealth is a community and demand-aggregation feature — it is not an offer or solicitation of insurance and does not guarantee any rate.

Deeper questions

The fine print, in plain English

Because current law generally requires a "bona fide" association with a real history and purpose beyond buying insurance — and many states, including California, restrict new association health plans. Simply gathering a large number of unrelated freelancers doesn't create a legal group health plan. That's exactly why the House passed H.R. 6703: to change those rules. Until the law changes, we help you get the best coverage available today while organizing so groups are ready if and when true group rates become possible.

It creates a free, no-obligation waitlist of people in the same profession, gig platform, or city. When a group reaches meaningful size, we can explore level-funded options or partnerships with existing associations on the group's behalf. And if federal law changes to allow broader Association Health Plans, members of these groups are first in line to be notified and considered. It's demand aggregation and community organizing — not an offer of insurance.

A licensed insurance producer, always. In states where we're fully licensed, we can act as your agent of record. Where our license is still pending — including California — we refer you, only with your explicit consent, to a named licensed partner broker and show you their license details before any application. We never sell coverage ourselves without proper licensing.

No. Health information can't be used to deny coverage or raise your rates on individual marketplace plans — they're guaranteed-issue and community-rated under the ACA. We only collect what's needed to show accurate plan options and subsidy estimates. Your data is encrypted and is never sold.

See our licensing & legal disclosures

See what you could pay — in about 4 minutes

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