Coverage built for how you actually live
Real health coverage for individuals, families, freelancers, and 1099 contractors — without the marketplace runaround.
Coverage looks different depending on your life
Marketplace plans cost more every year
Premiums climb 8–15% annually with networks that shrink at the same time.
High deductibles you'll never hit
$7,500+ deductibles mean you pay full freight for everything except a catastrophe.
Coverage that fights you when you use it
Surprise denials, prior auth runarounds, claims you have to chase yourself.
Four promises. No fine-print surprises
Lower monthly cost
Most members save 22–31% vs. their previous coverage.
See your doctors
Broad provider freedom — keep the people who already know you.
Real coverage
Mental health, chiropractic, telehealth, and prescriptions actually included.
5-minute enrollment
Sign up in minutes online or by phone. No agent gauntlet.
On real coverage
"I spent twelve weeks in the ICU. Without Waive, I would have been bankrupt. Because of them, I survived that."
On monthly cost
"We saved enough in two months to cover a full month's premium. The team actually listened."
How much could you save
Three quick inputs. We'll show you a typical savings range — no email required, no phone call.
Fill in the three fields to see your savings estimate.
Two ways to get covered
Healthshare is not insurance. It's a membership-based cost-sharing program. Helo Health is a standalone brand — learn more and enroll at helohealth.com.
Questions before you enroll
How fast can I enroll?
Most members complete enrollment in under 5 minutes online. Coverage typically begins the 1st of the following month, with same-day options in some states.
Will you ask for my Social Security Number?
Only when required for legal coverage verification. We never sell your data and your SSN is encrypted at rest.
Can I use an HSA with Waive plans?
Yes — qualifying high-deductible Trident plans are HSA-eligible. Helo Health (healthshare) is not HSA-eligible because it is not insurance.
Are prescriptions covered?
Trident plans include prescription benefits with formulary tiers. Helo memberships include prescription discounts and a generics program.
Can I add my spouse and kids?
Yes. Family enrollment is supported on every plan. Pricing scales by household size, not per-person multipliers.
What if I need to cancel?
Cancel any time, no penalty. We prorate your final month and confirm coverage end date in writing.
Will my doctor be in-network?
Trident uses national PPO networks (Aetna / Cigna depending on state). Helo allows any licensed provider — pay the negotiated rate up front, get reimbursed.
What happens if I move states?
Coverage moves with you. Update your address in the member portal — we re-issue ID cards and confirm network in your new state within 48 hours.
Ready when you are
See plans, get an estimate, or talk with a real human. Whatever's easiest.