Affordable healthcare.
Finally.
High-value health insurance at $89/month for the big things, and a team that finds you affordable care whenever you need it.
No deductible · Cancel anytime
Cash benefits paid to you if a covered event happens:
Accident$20,000
Heart attack$20,000
Stroke$20,000
Cancer$30,000Underwritten by an A+ rated carrier (AM Best & S&P Global)No deductible
No medical exam to apply
Sign up in minutesA+ rated carrierMost people overpay twice.
We fix both.
First, on a bloated monthly premium. Second, every time they get care — with no idea what it costs. Wellward lowers the premium and shops for your care.
Traditional insurance
Wellward Insurance
Coverage for the big things
No deductible — if one of these happens, you receive the cash benefit, paid directly to you.
Deductible$0AccidentUp to$20,000Heart attack$20,000Stroke$20,000
Coma$20,000
CancerHighest benefit$30,000A publicly traded member of the S&P 500 — among the most experienced and well-capitalized underwriters in the world, so the coverage behind your plan is as solid as it gets.
Most options cost a fortune —
or leave you exposed.
Wellward Insurance
Coverage for the big stuff with no deductible — plus we shop for affordable care when you need it.
ACA marketplace
Still leaves you paying thousands before coverage kicks in.
COBRA
You pay the full premium your employer used to cover.
"Cheap" insurance
Low on paper, but you still pay for most care.
Going uninsured
One accident or diagnosis can mean tens of thousands in costs.
ACA and COBRA figures are national averages (KFF). Your actual costs vary by age, location, and plan.
Built for however your year goes
You stay generally healthy.
No big events — just the everyday care that life calls for.
Meanwhile, you've quietly banked the difference.
Over $6,000 saved per year*Something significant happens.
Say you're diagnosed with cancer. How Wellward shows up.
Cash in hand and a clear bridge to richer coverage if needed.
*Premium savings vs. the $625/mo national-average ACA benchmark (KFF) — roughly $6,400 a year. Your actual savings vary by age, location, and plan.
†Benefit amount shown is for a malignant cancer diagnosis. Amounts differ for other covered conditions.
Affordable healthcare,
finally on your side.
High-value coverage for $89/month, and a team that finds you affordable care whenever you need it.
Insurance questions, answered
Wellward is built around a high-value insurance plan that pays you cash for big, expensive events — accident, heart attack, stroke, coma, and cancer — paired with a team that finds you affordable prices for all your care needs. For a lot of healthy people, that combination does the job for a fraction of the cost. It is NOT a comprehensive ACA major-medical plan, and that's the point: you skip the bloated premium while you're healthy. If your situation changes and you need full coverage, we help you enroll in a traditional ACA plan at the next Open Enrollment, which starts November 1.
Fixed cash benefits paid directly to you if a covered event happens: up to $20,000 for an accident, $20,000 each for heart attack, stroke, or coma, and $30,000 for a cancer diagnosis — with no deductible. You also get your Wellward care team, who shop around for affordable prices for whatever care you need along the way.
Traditional plans generate huge administrative costs (over $100/month) due to complicated benefit structures and rules, and forcing many activities to run through them. Wellward saves all of that by keeping the plan simple and focused on what matters most. Traditional plans also overpay for many care services because they typically hide provider pricing from members, which limits the incentives for providers to offer competitive prices or for members to select providers with competitive pricing. This lack of price comparison increases prices in traditional plans by ~40-50%. Lastly, traditional plans force all participants to pay for/subsidize all covered services, even if there are some they know they won't have. Some of these services, like pregnancy-related services, can be extremely expensive and are some of the largest drivers of traditional plan costs.
Wellward isolates what you really need insurance for, and makes it efficient: low-cost insurance for major events. And for routine care, we find you affordable cash-pay prices — often less than what you'd pay toward a deductible anyway. Overall it is a much more efficient system, which enables us to offer a high-value $89 a month product.
You receive your cash benefit — for example, $30,000 for a cancer diagnosis — paid directly to you, to use however you need. Your Wellward team helps you find high-quality, affordable treatment. And if ongoing care means you need comprehensive coverage, we help you enroll in a traditional ACA plan at the next Open Enrollment, which starts November 1.
No deductible. When a covered event happens, your benefit is paid to you as cash — you're not grinding through thousands of dollars of out-of-pocket costs before anything happens or facing uncertainty about whether you or your plan will pay for a certain visit or procedure, which leads to surprise bills for hundreds or thousands of dollars.
Tell your Wellward team what you need — a dental cleaning, urgent care, an MRI, a specialist, a surgical procedure, a wellness or longevity service, or whatever else you need — and we shop quality providers near you for the best cash-pay price, then bring you the options. You decide where to go. No network restrictions.
Yes. Because your benefits are paid as cash and our team helps you shop providers directly, you aren't locked into a narrow network. You choose where you get care.
No medical exam — you can apply in minutes. To apply, you simply answer a few questions in our online signup flow.
Yes — you can cancel anytime.
Your plan is underwritten by Everest, a publicly traded member of the S&P 500, rated A+ by AM Best and S&P Global — among the most experienced and well-capitalized underwriters in the world. The coverage behind your plan is as solid and professional as it gets.